Attitudes
and myths concerning mental illness create an image of the
mentally ill worker as someone who has a weak character, has
no will power, is violent and can never recover. The misconception
that medications and work don’t mix adds to the problem.
With a sound treatment plan and effective case management
of the behavioral issues, the injured worker can often be
quickly returned to work as a productive employee.
When
these attitudes and myths about mental illness are combined
with the complex issues of claims management, second and independent
appeals and regulations governing ADA and EEOC, even the most
experienced case manager is faced with the difficult task
of balancing the legal rights and W/C benefits of the employee
with the responsibilities of the insurers and the company’s
need for a successful return to work program.
Size
and Scope of the Problem
50% of patients with a major depression treated by a non psychiatrist
will remain depressed after 1 year. The diagnosis and detection
of behavioral disorders is missed in 33 to 50% of primary
care outpatient cases.
Stephen P. Melek, Milliman & Robinson June
2000 Broker World
Medical
Surgical Costs per Case
In 1980 medical surgical costs per case were $1,746, in 1990
the cost escalated to $6,611, and by the year 2000 it reached
$10,000 per case.
2002 The Journal of Occupational and Environmental
Medicine
Disability
Cases as a percent of Cost of Claims
In 2000 medical costs were 75 to 88% of all worker compensation
claims. Psychiatric costs represented 12 to 25% of all claims.
However psychiatric cases are 2 to 3 times more costly than
medical cases. i.e. $20,000 – $30,000 per psychiatric
case vs $10,000 per medical case.
There
are a number of reasons why psychiatric cases are more expensive
than medical cases; the complexities of diagnosis, difficulties
in medication management, particularly in pain management
cases, multiple psychological and psychiatric evaluations,
the cost of second opinions and the expense of litigation.
Chicken
or Egg?
When
faced with a claim, the case manager is often presented with
the question, “is the employee’s condition a medical
or behavioral problem or both”? How this question is
answered will determine the effectiveness of the return to
work process.
The
following is a check list of the types of cases involving
medical and behavioral issues for which we can provide services:
-
Any
case that has been open for six months or longer with
a poor prognosis for recovery.
-
Cases
that were originally medical, that now have psychiatric
claims, such as depression, anxiety, panic or post traumatic
stress disorder.
-
Cases
that were originally medical, that now require in-patient
psychiatric or substance abuse treatment.
-
Litigation
cases – when there is a need for an medical opinion
of the injured worker’s psychiatric or psychological
diagnosis or treatment or a question of ability or willingness
to return to work.
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