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Chronic Pain, Opioid Dependency and How It Affects Workers Comp

Every business needs workers comp, right? Yes, workers compensation is the insurance that guarantees an employee will have his medical expenses and loss of wages covered in the event of a work related injury.

For the boss, injuries, pain, chronic pain and the downsides of taking pain medication including hard drugs like opioid and the devastation that resulting dependency or abuse can involve, are prime contributors to workers comp loss costs.

A mere ten years ago, the amount of workers dealing with chronic pain that impacted recovery was ten percent less than it is now. Naturally, the effects are felt across the business spectrum with disability days, loss of wages and production loss costs throwing a heavy sided punch, leveled at raising workers comp loss prices.

So, how does a business owner – be it a retail store, manufacturer, or professional commercial office – prevent his or her employees from ongoing pain and resulting drug usage or addiction?

One of the leading underwriters in the insurance industry has a proven method via its technological platform that helps identify and predict pain and opioid high risks among those injured onsite. Used as part of an innovative program, the predictor helps regulate medical care and aids in focusing on possible chronic pain triggers – something that doctors traditionally ease by prescribing opioids and or other pain medication.

Here’s the process, explained:

By analyzing claims information, the app can make a prediction on which of your employees that have suffered on work-site injuries are most disposed to chronic pains. After this, the medical and claims experts confer with other specialists to study the claim. Should the particular claim be accepted into the insurance program designed to mitigate the risks, these experts work together to devise a tailored pro-active plan that potentially can alter the traditional mode of injury treatment.

The results have been acknowledged and applauded by participating businesses, potentially leading to a maximum of 50 percent total savings on workers comp claims involving chronic pains.


• Patients are less probable to live with pain that is managed by opioids or other painkillers

• Patients can look forward to quicker returns to the workplace

• Patients can expect a return to the same quality of life they enjoyed before the injury

• Related high risk claims can be overseen in order to evade injured workers acquisition of chronic pain in the time ahead

There is nothing like having a plan of action. In the case of chronic pain and opioid usage, the statement is a loaded one. If you are a business owner, speak to an independent insurance agency about this program.