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Editorial Overlooked Some Things

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To The Editor:

The suggestions raised in National Underwriter’s editorial, “This Bill Misses the Point,” (Aug. 27) overlook methods of providing mental health treatment while reducing overall medical care costs.

From a societal standpoint, the issues would appear to be the stigma attached to seeking mental health treatment and the tremendous productivity costs attendant to untreated mental health problems.

While Fortune 100 companies pay lip service to the phrase “employees are our most important asset,” the HR department has not traditionally been viewed as an “asset management” function, but rather as a cost center.

Depression is the number one cause of employee disability and households with a depressed member use general medical services at 200% the rate of households without a depressed individual.

If a company offers mental health benefits to its employees, but employees resist using it (no one wants “depression” in their employee jacket), is it really a benefit?

Here is the choice: (1) If companies want to know who is using mental health services, the system fails (employees will not seek treatment until their situation becomes unbearable); or (2) If the goal is to assist employees with problems, anonymity is critical.

If an employee believes he needs to speak with a therapist, can such a call be unnecessary? Not from the employee’s viewpoint. Moreover, an employee “co-pay” (using a credit card) should assuage fears of employee abuse of the system.

Additionally, limits can be placed on aggregate employee minutes or on a per employee basis. As in general medicine, early diagnosis leads to better and more cost-effective outcomes. An employee “funk” can be addressed before it devolves into full-blown depression, if the issue is raised.

My Therapy Network LLC has created a method of circumventing the stigma attached to mental health treatment. Employees can contact a licensed therapist and speak with the therapist on the telephone at the moment of need.

Rather than knowing which particular employee has used the service, the aggregate monthly cost and effectiveness of this program can be monitored and measured against productivity goals. An anonymous “outcome survey” after a trial period can be generated to gather employee input as to its value.

While telephone counseling may not be suitable for every employee, it does provide a channel for triage during a time of perceived need (without being identified).

The rewards are obvious: reduced costs, productivity boosts and confirmation of the value of a company’s employees.

Ralph C. Musicant


My Therapy Network LLC,

Chicago, Ill.

To The Editor:

I was most disappointed in reading what the Million Dollar Round Table had to say about women being too passive about retirement savings (NU Hot News, July 10). The majority of women are still woefully underpaid most of their working careers. Add to that, career interruptions like taking time off for child-bearing, following their spouses in job transfers, care-giving for family members and many of the other “womanly duties” that disrupt the lives of most women. Is it any wonder that a woman’s pitifully small retirement fund is so carefully scrutinized before making investment decisions?

Gentlemen, conservative investing is all most women can tolerate. Regards from a 30-year working Mom.

Jan Crewes-Jones, MBA, CLU



Reproduced from National Underwriter Life & Health/Financial Services Edition, September 17, 2001. Copyright 2001 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.

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