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‘Breathing Life into Rehabilitation’
A Conceptual Review
by
Iwan Borszcz
Casualty Claims Director
Zurich, UKGI
ALARM South East Conference 2nd November 2006‘Bewitched, Bothered and Bewildered’
© Zurich 3
The Risk Manager’s Insomnia Radar
PARTNERSHIPS
PLANNING/AFFORDABLE HOUSING
FREEDOM OF INFORMATION
COMPENSATION BILL
GOVERNANCE
SHARED SERVICES
REHABILIT
ATION
CORPORATE KILLING BILL
A.R.T
JOIN
T W
OR
KIN
G CPA
/G
ER
SHO
N
RETENTION &
RECRUITMENT
PROGRAMME MANAGEMENT
AB
SEN
CE
MA
NA
GEM
EN
T
FRAUD
ASSET MANAGEMENT
RE
OR
GA
NIS
AT
IONBUSINESS
CONTINUITY
H&SCOMPLIANCE
© Zurich 4
Rehabilitation: What is it?
•Restoration of/improvement in fitness/health
•Can be clinical and/or vocational
•Not just an employment oriented affair
Em
plo
yer
HR
Lin
eM
an
ag
er
TU
C
OH
P
Inju
red
Pers
on
Part
ner
Law
yer
GP
Loca
l/C
en
tral
Govt
Depend
ants
NH
SC
onsu
ltant
•Has a spectrum of stakeholders
© Zurich 5
Rehabilitation: What is it?
HRLineManager
TUC
OHPInjuredPerson
Partner
Lawyer
GP
Local/CentralGovt
Dependants
NHSConsultant
•Has a spectrum of stakeholdersEmployer
© Zurich 7
Self-fulfilling prophecy?
•Rehabilitation reduces the cost of injury
•Reduces claims spend/premium
•Improves relations/morale
•Earlier access to appropriate expertise
© Zurich 8
Lies, damned lies ……. And CBAs?
11 bn - 31
bn30m, 35m
10.2 v
7.6
3.5m (i) = 80m (s)
(S) 500 K +,(m.d) £1 m +
20%+
16
27k
50
30
10
10, 20, 30 2010
© Zurich 11
Not just a post event tool!
•Pre-employment screening
•Health Checks
•Cognitive behaviour reviews
•Remember: 3.5i = 80s
© Zurich 12
Why do it?
•Legal requirement : Code of Best Practice
•DDA ramifications
•Credit rehabilitation can cause control diversion
•Can/does cut cost
•Improves morale/efficiency/effectiveness
•Can contribute to an improved experience