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The Risks of Sitting

Desk Job Dangers

Programs to decrease prolonged sitting during the day could reduce workers' comp claims.
By: | January 27, 2014 • 6 min read

When we think about dangerous working conditions and risk management, our thoughts are most likely drawn to construction sites, asbestos removal, dealing with nuclear waste, or fishing in the Bering Sea. For the owners of companies and corporations that do this kind of work, managing the risk inherent in the job is essential to having a successful and profitable business.

But the majority of Americans do not work in those traditionally dangerous jobs. In fact, 86 percent of all Americans today work in some type of office setting, where they sit at a desk for up to 40 hours a week.

People in these jobs typically feel very safe at work. If you asked them the most dangerous or hazardous part of their day, they would probably say their commute to work — not something that happens within the safe four walls of their office. However, over the last few years, research has shown us that simply sitting at a desk is one of the most hazardous things a person can do to his or her body.

As a chiropractor, I have seen firsthand the ravaging effects prolonged sitting has on people’s bodies. The majority of my patients today are suffering from some form of a repetitive strain injury. Most of the neck, back, and wrist pain we see in this country today is likely a result of prolonged sitting.

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We know that musculoskeletal strains are the No. 1 and fastest growing class of workers’ compensation injury, and that is despite the fact that the numbers are still widely underreported. The true impact that a sedentary work style has on our bodies and our bottom line has yet to be seen.

But they are ways to mitigate the risks associated with what used to be thought of as sunny desk jobs.

What Happens to My Body When I Sit?

Repetitive Strain Injuries, or RSIs, occur when the body suffers repeated micro-traumas due to undue force or strain on the musculoskeletal system. Sitting for too long with poor posture is the most common cause. And unfortunately, treatment for RSIs is complicated for several reasons:

• Those affected do not always know the source of their pain, and diagnosis can take months or even years. This causes escalating expense and time lost from work.

• Once an injury is treated, the worker often goes right back to the behavior that created the injury in the first place.

• These injuries take years to develop, and often years to rehabilitate.

Because the number of RSIs of the neck and back are underreported, I often tell employers to look at the number of carpal tunnel claims they have. If that number is high, it is very likely that their workers are also suffering from an assortment of other injuries as well.

Another risk for employees who sit for long hours each week is deconditioning syndrome — even when the worker’s posture is perfect and ergonomic devices are being used.

Bodies are made to move. And without movement, the musculoskeletal system gets weak and stiff. The danger of deconditioning syndrome is that an unfit body is more likely to be injured doing a simple task such as gardening or playing tennis.

If your company has a large number of lower back pain/injury claims in your workers’ compensation or disability funnel, deconditioning syndrome may be to blame.  Not only does this condition make it much more likely for an employee to suffer an injury, but it also makes rehabilitation of that injury a much longer more arduous process. A healthy and fit body heals much quicker.

Obesity and chronic diseases, such as heart disease, diabetes and cancer, are also associated with prolonged sitting. Not only are these diseases dangerous and costly in their own right, but those who are chronically sick have a much harder time recovering from injuries. Obese people in particular are more likely to be injured and to lose more time from work once an injury occurs.

The costs of injuries and diseases related to long hours sitting are difficult to quantify. Some reports have calculated the cost at billions of dollars a year in workers’ compensation and disability claims, but that number is only a portion of the full amount companies are spending on injured office employees.

Like other jobs that have an inherent risk for their workers, steps must be taken to protect office workers from the dangers of their jobs and corporations from footing the bill.

What Do We Do About It?

Just like a construction company gives out hard hats to their workers, or a doctor wears latex gloves, there are simple things we can offer employers to keep their employees safe from the dangers of prolonged sitting.

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Managing the risks associated with prolonged sitting has two necessary elements: education and prevention.

One of the biggest problems associated with prolonged sitting injuries is their misdiagnosis. Once a person is afflicted with a repetitive strain injury, a company can cut down on the costs associated with treatment if a proper diagnosis is reached quickly.

Often injured workers submit to unnecessary and expensive diagnostic testing like MRI, X-ray, and EMGs, and are prescribed a myriad of medications, including heavy duty pain killers.

If a worker is suffering from an RSI, they should seek help from a chiropractor, masseuse, or physical therapist, along with seeing their primary care physician for short term anti-inflammatory therapy.

To prevent injuries, employers must consider ways to reduce exposure to the risk. Quite simply, have them sit less. There are many options for employers today, including ergonomic devices, standing desks, other alternative workstations, and my personal recommendation, a micro-break system.

Micro-break systems get people moving once an hour, reducing their sitting time while increasing their overall productivity and energy levels. Implementing one of these systems reduces your exposure to the risk of prolonged sitting for years to come.

For many years now, employers have been trying to mitigate the costs associated with sedentary workers through wellness programs, but nearly all such programs look to individual behaviors as the cause of these conditions.

Recognizing that many injuries and illnesses afflicting workers today are a result of the job itself offers employers an opportunity to apply a risk management model to reducing health care costs. Such a model may be more successful at creating a lasting change because they change the job, not the person doing it.

The timing couldn’t be better. With the constant rise in health care costs, the crippling number of Americans addicted to prescription pain killers, and the growing burden on employers to create healthier work environments, employers need to enact change and gain control over rising costs.

Addressing the hazards of the modern American workplace — where the very chair employees sit in poses significant long-term health risks — is a win-win for everyone.

Gregory Soltanoff, D.C., is a musculoskeletal and workplace injury specialist and creator of Voom, a micro-break corporate wellness program. He can be reached at [email protected]

Cyber Resilience

No, Seriously. You Need a Comprehensive Cyber Incident Response Plan Before It’s Too Late.

Awareness of cyber risk is increasing, but some companies may be neglecting to prepare adequate response plans that could save them millions. 
By: | June 1, 2018 • 7 min read

To minimize the financial and reputational damage from a cyber attack, it is absolutely critical that businesses have a cyber incident response plan.

“Sadly, not all yet do,” said David Legassick, head of life sciences, tech and cyber, CNA Hardy.

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In the event of a breach, a company must be able to quickly identify and contain the problem, assess the level of impact, communicate internally and externally, recover where possible any lost data or functionality needed to resume business operations and act quickly to manage potential reputational risk.

This can only be achieved with help from the right external experts and the design and practice of a well-honed internal response.

The first step a company must take, said Legassick, is to understand its cyber exposures through asset identification, classification, risk assessment and protection measures, both technological and human.

According to Raf Sanchez, international breach response manager, Beazley, cyber-response plans should be flexible and applicable to a wide range of incidents, “not just a list of consecutive steps.”

They also should bring together key stakeholders and specify end goals.

Jason J. Hogg, CEO, Aon Cyber Solutions

With bad actors becoming increasingly sophisticated and often acting in groups, attack vectors can hit companies from multiple angles simultaneously, meaning a holistic approach is essential, agreed Jason J. Hogg, CEO, Aon Cyber Solutions.

“Collaboration is key — you have to take silos down and work in a cross-functional manner.”

This means assembling a response team including individuals from IT, legal, operations, risk management, HR, finance and the board — each of whom must be well drilled in their responsibilities in the event of a breach.

“You can’t pick your players on the day of the game,” said Hogg. “Response times are critical, so speed and timing are of the essence. You should also have a very clear communication plan to keep the CEO and board of directors informed of recommended courses of action and timing expectations.”

People on the incident response team must have sufficient technical skills and access to critical third parties to be able to make decisions and move to contain incidents fast. Knowledge of the company’s data and network topology is also key, said Legassick.

“Perhaps most important of all,” he added, “is to capture in detail how, when, where and why an incident occurred so there is a feedback loop that ensures each threat makes the cyber defense stronger.”

Cyber insurance can play a key role by providing a range of experts such as forensic analysts to help manage a cyber breach quickly and effectively (as well as PR and legal help). However, the learning process should begin before a breach occurs.

Practice Makes Perfect

“Any incident response plan is only as strong as the practice that goes into it,” explained Mike Peters, vice president, IT, RIMS — who also conducts stress testing through his firm Sentinel Cyber Defense Advisors.

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Unless companies have an ethical hacker or certified information security officer on board who can conduct sophisticated simulated attacks, Peters recommended they hire third-party experts to test their networks for weaknesses, remediate these issues and retest again for vulnerabilities that haven’t been patched or have newly appeared.

“You need to plan for every type of threat that’s out there,” he added.

Hogg agreed that bringing third parties in to conduct tests brings “fresh thinking, best practice and cross-pollination of learnings from testing plans across a multitude of industries and enterprises.”

“Collaboration is key — you have to take silos down and work in a cross-functional manner.” — Jason J. Hogg, CEO, Aon Cyber Solutions

Legassick added that companies should test their plans at least annually, updating procedures whenever there is a significant change in business activity, technology or location.

“As companies expand, cyber security is not always front of mind, but new operations and territories all expose a company to new risks.”

For smaller companies that might not have the resources or the expertise to develop an internal cyber response plan from whole cloth, some carriers offer their own cyber risk resources online.

Evan Fenaroli, an underwriting product manager with the Philadelphia Insurance Companies (PHLY), said his company hosts an eRiskHub, which gives PHLY clients a place to start looking for cyber event response answers.

That includes access to a pool of attorneys who can guide company executives in creating a plan.

“It’s something at the highest level that needs to be a priority,” Fenaroli said. For those just getting started, Fenaroli provided a checklist for consideration:

  • Purchase cyber insurance, read the policy and understand its notice requirements.
  • Work with an attorney to develop a cyber event response plan that you can customize to your business.
  • Identify stakeholders within the company who will own the plan and its execution.
  • Find outside forensics experts that the company can call in an emergency.
  • Identify a public relations expert who can be called in the case of an event that could be leaked to the press or otherwise become newsworthy.

“When all of these things fall into place, the outcome is far better in that there isn’t a panic,” said Fenaroli, who, like others, recommends the plan be tested at least annually.

Cyber’s Physical Threat

With the digital and physical worlds converging due to the rise of the Internet of Things, Hogg reminded companies: “You can’t just test in the virtual world — testing physical end-point security is critical too.”

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How that testing is communicated to underwriters should also be a key focus, said Rich DePiero, head of cyber, North America, Swiss Re Corporate Solutions.

Don’t just report on what went well; it’s far more believable for an underwriter to hear what didn’t go well, he said.

“If I hear a client say it is perfect and then I look at some of the results of the responses to breaches last year, there is a disconnect. Help us understand what you learned and what you worked out. You want things to fail during these incident response tests, because that is how we learn,” he explained.

“Bringing in these outside firms, detailing what they learned and defining roles and responsibilities in the event of an incident is really the best practice, and we are seeing more and more companies do that.”

Support from the Board

Good cyber protection is built around a combination of process, technology, learning and people. While not every cyber incident needs to be reported to the boardroom, senior management has a key role in creating a culture of planning and risk awareness.

David Legassick, head of life sciences, tech and cyber, CNA Hardy

“Cyber is a boardroom risk. If it is not taken seriously at boardroom level, you are more than likely to suffer a network breach,” Legassick said.

However, getting board buy-in or buy-in from the C-suite is not always easy.

“C-suite executives often put off testing crisis plans as they get in the way of the day job. The irony here is obvious given how disruptive an incident can be,” said Sanchez.

“The C-suite must demonstrate its support for incident response planning and that it expects staff at all levels of the organization to play their part in recovering from serious incidents.”

“What these people need from the board is support,” said Jill Salmon, New York-based vice president, head of cyber/tech/MPL, Berkshire Hathaway Specialty Insurance.

“I don’t know that the information security folks are looking for direction from the board as much as they are looking for support from a resources standpoint and a visibility standpoint.

“They’ve got to be aware of what they need and they need to have the money to be able to build it up to that level,” she said.

Without that support, according to Legassick, failure to empower and encourage the IT team to manage cyber threats holistically through integration with the rest of the organization, particularly risk managers, becomes a common mistake.

He also warned that “blame culture” can prevent staff from escalating problems to management in a timely manner.

Collaboration and Communication

Given that cyber incident response truly is a team effort, it is therefore essential that a culture of collaboration, preparation and practice is embedded from the top down.

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One of the biggest tripping points for companies — and an area that has done the most damage from a reputational perspective — is in how quickly and effectively the company communicates to the public in the aftermath of a cyber event.

Salmon said of all the cyber incident response plans she has seen, the companies that have impressed her most are those that have written mock press releases and rehearsed how they are going to respond to the media in the aftermath of an event.

“We have seen so many companies trip up in that regard,” she said. “There have been examples of companies taking too long and then not explaining why it took them so long. It’s like any other crisis — the way that you are communicating it to the public is really important.” &

Antony Ireland is a London-based financial journalist. He can be reached at [email protected] Dan Reynolds is editor-in-chief of Risk & Insurance. He can be reached at [email protected]