Hey! New York Employers, “86” that Code Rule 60

Recently, I read about the New York Department of Labor’s Workplace Safety and Loss Prevention Program, or Code Rule 60, in a blog about workers’ compensation called, Workers’ Comp Insider, a blog created by Lynch Ryan, a management consulting firm specializing in workers’ compensation cost containment. In the article entitled, A Modest Proposal for New York, the author, Tom Lynch, explains how the Code Rule 60, which was intended to allow employers to have safer workplaces, and eventually lower costs, actually is so bureaucratic, that in Lynch’s words, “it would be easier for a New York employer to find his way through a dense maze of thorns, blindfolded, than to negotiate the journey to Code Rule 60 certification.”

Lynch points out that New York’s vested interests, i.e., lawyers, doctors, insurers, unions, the Legislature, employers, and others, will not come to any grand bargain soon. He describes how the program is supposed to work by having the Department of Labor certify employers for establishing safety, return to work, and drug and alcohol programs, for which they will get premium credits of varying percentages, from 4% for safety and return to work programs, to 2% for drug and alcohol prevention programs. The 4% credits drop to 2% in the second and third years of a three-year period. And this program only applies to employers with experience modifiers of less than 1.3.

While establishing safety, return to work, and drug and alcohol prevention programs are a must for all employers, certainly more can be done to lower costs for employers, especially in regard to serious injuries that require expensive surgery and rehabilitation, as well as a speedy return to employment. One such way employers can help lower costs of expensive workers’ compensation claims that require surgery and treatment that cost thousands of dollars, is to implement medical tourism into workers’ compensation, as an option for their employees to choose when expensive surgery and treatment is ordered by a physician.

For many of the common surgeries performed in the US in workers’ compensation cases, the costs of those surgeries are lower or half the cost abroad, as they are at home, with the same or better quality at hospitals that have the latest equipment and technology. And with physicians trained in the US or other Western countries, plus accreditation from the Joint Commission International (JCI), it is no wonder more employers are utilizing medical tourism for their group health care plans.

Employees, many of whom come from Latin American, Central American or Caribbean nations will benefit from having treatment in familiar surroundings, with no language or cultural barriers, and will even have the psychological satisfaction of knowing that they are being treated in the best hospitals of their home countries, which will speed their recovery and lead to a more happy and productive employee when he returns to active work. His friends and family will take pride in knowing that he chose the best care possible, in a hospital that many of his fellow countrymen could never go to, and that will help raise his self-esteem.

For a New York employer to not take advantage of this opportunity, would be just as bad as finding their way through the bureaucratic maze called Code Rule 60.

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This entry was posted in Health Care, Medical Tourism, Workers' Compensation and tagged , , on by .

About Transforming Workers' Comp

Have worked in the Insurance and Risk Management industry for more than thirty years in New York, Florida and Texas in the Claims and Risk Management spheres, primarily in Workers’ Compensation Claims, Auto No-Fault and Property & Casualty Claims Administration and Claims Management. Have experience in Risk and Insurance Business Analysis, Risk Management Information Systems, and Insurance Data Processing and Data Management. Received my Master’s in Health Administration (MHA) degree from Florida Atlantic University in Boca Raton, Florida in December 2011. Received my Master of Arts (MA) degree in American History from New York University, and received my Bachelor of Arts (BA) degree in Liberal Arts (Political Science/History/Social Sciences) from SUNY Brockport. I have studied World History, Global Politics, and have a strong interest in the future of human civilization in all aspects; economic, political and social. I am looking for new opportunities that will utilize my previous experience and MHA degree. I am available for speaking engagements and am willing to travel. LinkedIn Profile: http://www.linkedin.com/in/richardkrasner Resume: https://www.box.com/s/z8rxcks6ix41m3ocvvep

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