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Disability Insurance Observer: Data

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The Integrated Benefits Institute and the National Business Coalition on Health will be gathering a bunch of number crunchers to a health and productivity conference in Dallas in Feb.  

I see a lot of sessions with speakers who intend to talk about topics such as “how three employers (one large, one mid-size, and one small) are integrating disparate streams of data to create meaningful value-based performance and outcomes strategies.”  

At another session, the panelists will talk about measuring wellness results and return on investment through verification. At one employer, Alcon, total 2010 savings estimates on the wellness program were calculated at about $3.3 million, including $478,000 savings on short-term disability (STD) and worker’s comp spending, according to conference organizers.  

It looks as if employers really want practical, concrete, calm information about what works to reduce health care and disability costs and productivity losses and what doesn’t work.  

I don’t see anything about the organizers organizing a session on Democrats promising that workers can throw three magic Affordable Care Act beans in a can and get back effortless improvements in health care quality and affordability, all courtesy of a new tax on three very rich guys who happen to deserve the tax, because they’re obnoxious.  

Nor are the organizers offering a session on how the Red States should cut their disability benefits costs by breaking up with the Union in three easy steps.  

Maybe the take-home message is that the desire to cut benefits costs without wiping out the employees is greater than (or, at least, roughly the same size as) the desire to clobber those rotten no good slime molds who voted the bad guys into office.  

This gives me a thought: Folks involved with disability insurance should go to great lengths to take a constructive approach to shaping the activities of the Patient-Centered Outcomes Research Institute (PCORI).

Drafters of the Patient Protection and Affordable Care Act (PPACA) created PCORI to do “comparative effectiveness research” — figuring out what works.  

A sampling of the early awards includes money going to researchers looking at topics such as “comparative effectiveness of rehabilitation services for survivors of an acute ischemic stroke,” “comparison of non-surgical treatment methods for patients with lumbar spinal stenosis,” and “comparative effectiveness of intravenous vs. oral antibiotic therapy for serious bacterial infections.” It looks as if some of the researchers are studying treatment options that could have a direct bearing on whether group health plan enrollees become STD or long-term disability insurance claimants.  

As far as I can tell, health insurers have seemed to be making a sincere effort to improve various PPACA regulations and programs, not just throw monkey wrenches into the machinery for the joy of making the gears break. Disability insurers have not played a particularly visible role in shaping the way PPACA works.  

Of course: About 80 percent of the readers here would take great joy in eliminating PPACA with as much vigor as the law allows.  

But I think disability insurers have a pretty direct stake in at least making sure that some party they trust (maybe the National Business Coalition on Health?) to keep tabs on PCORI in a brutally hypercritical way, to see that PCORI is using its money efficiently, and at least in large part on researchers who are studying the kinds of problems that have a huge effect on working-age adults’ ability to work. 

Whether PPACA is good or bad, and whether PCORI as it now operates is good or bad, a really terrific PCORI is the kind of organization that could help cut disability claims costs, in a nice way.

The more credible data we have on what we works, the more we can try to move ahead by sharing the data and doing what obviously makes sense, and the less time we’ll waste on Red-Blue shouting matches that just make people mad and don’t quite go anywhere.

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