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Combustible cladding: What building owners and owner corporate managers need to know

Combustible cladding has been installed on numerous buildings where it has significantly increased the risk of fire spread, putting lives at great risk. The Lacrosse Building fire in Melbourne in 2014 and the Grenfell Tower fire in London in 2017 are unfortunate examples of what combustible cladding installed in buildings has led to in the past, and the problem remains one of the largest safety risk issues in the industry today. 2014 in Melbourne, the Lacrosse Building, a 23-story mixed-use com

The value of opioid avoidance

The opioid epidemic remains a top news story and has been ever since public awareness began to dramatically increase in 2012 due to numerous celebrity deaths and renewed focus by federal agencies like the Centers for Disease Control and Prevention (CDC). However, the impact to injured workers was being realized in workers’ compensation well in advance of national awareness due to years of overprescribing in a population that typically requires treatment for pain. Data shows that, in 2016, injure

Uncovering the silver bullet

Home case study The evidence needed to prove insurance fraud is often well hidden, which makes uncovering that crucial ‘silver bullet’ very satisfying.  A substantial water damage claim was identified as suspicious by one of our adjusters during routine fraud screening.  The customer, Miss A, had taken out the insurance policy just two weeks before the date of the incident and our Investigation Services team was appointed to look into the claim. Following a few days of freezing w

Leveraging predictive analytics to deploy clinical resources

The decision to deploy clinical resources on a claim can be crucial to the outcome of the claim. This decision is frequently made when the claim hits a specific dollar threshold or when the examiner determines a referral is needed. However, assigning clinical resources once the claim costs hit a certain threshold limits the effectiveness that a nurse can have on changing the course of the claim. Employers are looking for better ways to more accurately determine when to assign clinical resources

Will U.S. Supreme Court independent contractor ruling have ramifications outside the transportation industry?

The U.S. Supreme Court accepted the case, New Prime Inc. v. Oliveira,for review to resolve disagreements among courts across the country regarding the exclusion in Section 1 of the Federal Arbitration Act (FAA) of “contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce” from compelled arbitration.  The decision in this case is expected to significantly impact employers throughout the transportation industry as well as

Celebrating our 50th anniversary and preparing for the future of care

Sedgwick has many achievements to be proud of as we begin 2019, including celebrating 50 years in business. Leveraging our proven experience working with the world’s leading organizations, we continue to adapt our offerings to help manage the wide array of issues facing clients today. Our risk, benefits and integrated business solutions focus on mitigating and reducing risks and losses, keeping employees and organizations healthy and productive, protecting brand reputations and containing costs.

Opioid addiction in senior citizens: the painful truth

As we wrap up the holiday season, “Season’s Greetings” feels more like “Season’s Grievings” for some seniors. The holidays tend to bring back memories of good times, happier times when life was “good.” But sometimes what’s underlying a change in mood or behavior goes beyond the holiday blues – opioid use disorder may be the culprit.   The prevalence Headline news is replete with the nation’s opioid crisis. While opioid use disorders are more commonly reported in younger populatio

Every drop counts

At Sedgwick, taking care of people is at the heart of everything we do. Millions of people and organizations around the world count on us each year to take care of their needs. Clean water is a necessity for everyone and life without it can seem unimaginable, but for millions of people it's a daily reality. A sustainable water supply is important, and every drop counts. Every year, leading up to the new year, Sedgwick conducts an awareness campaign to support and promote a cause that is me

Flu season: What long-term care facilities can do to protect residents

Well, it’s that time of year again.  As per the CDC, flu activity usually peaks between December and February, although activity can last as late as May. As we know, the flu is a contagious respiratory illness caused by influenza viruses that infect the nose, throat, and sometimes the lungs. It can cause mild to severe illness, and at times can lead to death.  Anyone can get the flu and serious problems related to the flu can happen at any age, but some people are at a higher risk of d

Improved decision making: Three keys to getting value from data analytics

In today’s information age, data is everywhere. We’re inundated with it. But gathering data is just one piece of a much larger puzzle. Data isn’t very useful if nothing is done with it. It’s the analysis that leads to using data effectively to make better decisions that is the true key to success.  Workers' compensation is no exception. Increasingly, the success of your workers' compensation program is dependent on how data is being used to take action. If you’re not seeing the value of da

Peer Dialogues: Improving the claims settlement calculation process

To those unfamiliar with the process, calculating claims’ settlements may appear to be a mysterious and complicated endeavor. However, when done right, the process can and should be transparent, fair and beneficial to all parties. Risk managers play an essential role in the process by ensuring that those who grant settlement authority understand the mission-critical yet often subtle nuances of the process. The task of risk managers is to convey the known facts supporting the calculation so that

California wildfires: What happens next?

Disasters are unfortunately becoming commonplace news stories. Many people are dealing with tragic losses in the wake of both man-made and natural disasters. The recent fires that have ravaged California are now among the most devastating in U.S. history. This article from Digg provides a visualization of the scope of the fires. While the priority for emergency resources and others involved is focused on the safety and health of those impacted, the reality is many people are grappling w

Peer Dialogues: Establishing effective settlement authority strategies

That magic moment . . . no, we aren’t launching a new dating site.  What we’re talking about is that specific point in time when a claim could and should have been settled and for some reason, often one beyond the control of the examiner, it wasn’t. What does the timing of a settled claim have to do with a risk manager? Turns out, quite a bit; it impacts reserves, financials, risk thresholds and much more. Therefore, an important question to ask as an industry is, “how can we make sure th

Peer Dialogues: Developing an organizational settlement philosophy

When I started my career as a young claims adjuster at an insurance company, my managers showed me the secret handshake and explained the position’s responsibilities. They then told me that to settle claims, we would negotiate to an agreed level of impairment, and provide lifetime future medical care if the employee was still employed at the employer.    After a few years of adhering to that principle, I started thinking that there might be a better way.  Perhaps we should s

Should we stay or should we go? Considering both care and cost

In a disaster, emergency evacuation for long-term care facilities saves lives, not money. Evacuation expense reimbursement coverage may help when there is no question about whether to stay or go. The projected paths of the two most recent hurricanes, Florence and later Michael, led several state governors to issue mandatory evacuation orders impacting more than a million people. Many of the coastal senior living communities in Florida, Georgia, the Carolinas and Virginia had to be evacuated for

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