This semiannual publication provides information on the latest data reporting news, data quality updates, reporting enhancements, and recent communications. To navigate through this publication, use the links at the top of this page to read about each of the topics.
In this edition, we continue our interview series with NCCI’s Sean Cooper, practice leader and senior actuary, and Cary Ginter, executive director and senior actuary. As the keynote speakers at the 2020 Data Educational Program (DEP), they shared their insights on the changes happening every day in the workers compensation system and shined the light on how data reported by the industry is being leveraged to support these changes.
Behind the Data: Conversations With NCCI’s Experts
Q: In your keynote presentation, you mentioned the impact of telehealth and wearables. What are some of the advantages to the industry of using telehealth and wearables?
Ginter: In general, we’ve become much more comfortable with the use of technology in our lives, whether it’s smartphones to keep us up to date on what’s going on around us or fitness trackers to keep apprised of our physical activity. As a result, the use of electronic devices in the workers compensation system has seen increased adoption.
From an injured worker standpoint, the convenience of getting a medical consultation without having to leave home, and deal with traffic and distracted drivers, is one of the most obvious benefits. There are several other notable benefits to an injured worker, including the ability to seek a second opinion from a specialist outside of their local area. For employers, telemedicine can provide the worker with quicker access to medical care. Among other things, this may reduce the number of emergency room visits and ultimately the length of time an employee is away from work.
As for wearable devices, these are not only being looked at to optimize the recovery for injured workers, but also in accident prevention and minimization. That is, the ability to monitor worker movements and posture, vitals, and external conditions (e.g., temperature and humidity) could help eliminate an injury from occurring, or at least limit its potential severity. Think of a device that can alert a worker that they are lifting too much weight, or that the way they are lifting is placing unnecessary strain on their back. For workers with an injury requiring surgery, the use of wearables in the recovery process can provide an immediate warning if they are overexerting themselves. Or the device may indicate that more activity or increased range of motion would be beneficial.
Together, telemedicine and wearable devices are just two examples of technological changes that have the potential to improve outcomes for both employees and their employers.
Q: What are some of the benefits of implementing the Indemnity Data Call?
Ginter: The Indemnity Data Call (IDC) is being implemented to enhance NCCI’s ability to support the workers compensation industry through the objective pricing of legislative proposals. The Call for Detailed Claim Information has served a valued purpose but receiving transactional and additional data elements on all indemnity claims will increase the accuracy of NCCI pricing analyses. So the increased ability for NCCI to provide credible, aggregated information to the industry on how an enacted change is expected to affect the
workers compensation system can reduce uncertainty.
The use of the IDC will go beyond just benefit pricing analyses, through improved insight into indemnity cost drivers and enhancements to ratemaking methodologies.