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]

Insurtech

Kiss Your Annual Renewal Goodbye; On-Demand Insurance Challenges the Traditional Policy

Gig workers' unique insurance needs drive delivery of on-demand coverage.
By: | September 14, 2018 • 6 min read

The gig economy is growing. Nearly six million Americans, or 3.8 percent of the U.S. workforce, now have “contingent” work arrangements, with a further 10.6 million in categories such as independent contractors, on-call workers or temporary help agency staff and for-contract firms, often with well-known names such as Uber, Lyft and Airbnb.

Scott Walchek, founding chairman and CEO, Trōv

The number of Americans owning a drone is also increasing — one recent survey suggested as much as one in 12 of the population — sparking vigorous debate on how regulation should apply to where and when the devices operate.

Add to this other 21st century societal changes, such as consumers’ appetite for other electronic gadgets and the advent of autonomous vehicles. It’s clear that the cover offered by the annually renewable traditional insurance policy is often not fit for purpose. Helped by the sophistication of insurance technology, the response has been an expanding range of ‘on-demand’ covers.

The term ‘on-demand’ is open to various interpretations. For Scott Walchek, founding chairman and CEO of pioneering on-demand insurance platform Trōv, it’s about “giving people agency over the items they own and enabling them to turn on insurance cover whenever they want for whatever they want — often for just a single item.”

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“On-demand represents a whole new behavior and attitude towards insurance, which for years has very much been a case of ‘get it and forget it,’ ” said Walchek.

Trōv’s mobile app enables users to insure just a single item, such as a laptop, whenever they wish and to also select the period of cover required. When ready to buy insurance, they then snap a picture of the sales receipt or product code of the item they want covered.

Welcoming Trōv: A New On-Demand Arrival

While Walchek, who set up Trōv in 2012, stressed it’s a technology company and not an insurance company, it has attracted industry giants such as AXA and Munich Re as partners. Trōv began the U.S. roll-out of its on-demand personal property products this summer by launching in Arizona, having already established itself in Australia and the United Kingdom.

“Australia and the UK were great testing grounds, thanks to their single regulatory authorities,” said Walchek. “Trōv is already approved in 45 states, and we expect to complete the process in all by November.

“On-demand products have a particular appeal to millennials who love the idea of having control via their smart devices and have embraced the concept of an unbundling of experiences: 75 percent of our users are in the 18 to 35 age group.” – Scott Walchek, founding chairman and CEO, Trōv

“On-demand products have a particular appeal to millennials who love the idea of having control via their smart devices and have embraced the concept of an unbundling of experiences: 75 percent of our users are in the 18 to 35 age group,” he added.

“But a mass of tectonic societal shifts is also impacting older generations — on-demand cover fits the new ways in which they work, particularly the ‘untethered’ who aren’t always in the same workplace or using the same device. So we see on-demand going into societal lifestyle changes.”

Wooing Baby Boomers

In addition to its backing for Trōv, across the Atlantic, AXA has partnered with Insurtech start-up By Miles, launching a pay-as-you-go car insurance policy in the UK. The product is promoted as low-cost car insurance for drivers who travel no more than 140 miles per week, or 7,000 miles annually.

“Due to the growing need for these products, companies such as Marmalade — cover for learner drivers — and Cuvva — cover for part-time drivers — have also increased in popularity, and we expect to see more enter the market in the near future,” said AXA UK’s head of telematics, Katy Simpson.

Simpson confirmed that the new products’ initial appeal is to younger motorists, who are more regular users of new technology, while older drivers are warier about sharing too much personal information. However, she expects this to change as on-demand products become more prevalent.

“Looking at mileage-based insurance, such as By Miles specifically, it’s actually older generations who are most likely to save money, as the use of their vehicles tends to decline. Our job is therefore to not only create more customer-centric products but also highlight their benefits to everyone.”

Another Insurtech ready to partner with long-established names is New York-based Slice Labs, which in the UK is working with Legal & General to enter the homeshare insurance market, recently announcing that XL Catlin will use its insurance cloud services platform to create the world’s first on-demand cyber insurance solution.

“For our cyber product, we were looking for a partner on the fintech side, which dovetailed perfectly with what Slice was trying to do,” said John Coletti, head of XL Catlin’s cyber insurance team.

“The premise of selling cyber insurance to small businesses needs a platform such as that provided by Slice — we can get to customers in a discrete, seamless manner, and the partnership offers potential to open up other products.”

Slice Labs’ CEO Tim Attia added: “You can roll up on-demand cover in many different areas, ranging from contract workers to vacation rentals.

“The next leap forward will be provided by the new economy, which will create a range of new risks for on-demand insurance to respond to. McKinsey forecasts that by 2025, ecosystems will account for 30 percent of global premium revenue.

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“When you’re a start-up, you can innovate and question long-held assumptions, but you don’t have the scale that an insurer can provide,” said Attia. “Our platform works well in getting new products out to the market and is scalable.”

Slice Labs is now reviewing the emerging markets, which aren’t hampered by “old, outdated infrastructures,” and plans to test the water via a hackathon in southeast Asia.

Collaboration Vs Competition

Insurtech-insurer collaborations suggest that the industry noted the banking sector’s experience, which names the tech disruptors before deciding partnerships, made greater sense commercially.

“It’s an interesting correlation,” said Slice’s managing director for marketing, Emily Kosick.

“I believe the trend worth calling out is that the window for insurers to innovate is much shorter, thanks to the banking sector’s efforts to offer omni-channel banking, incorporating mobile devices and, more recently, intelligent assistants like Alexa for personal banking.

“Banks have bought into the value of these technology partnerships but had the benefit of consumer expectations changing slowly with them. This compares to insurers who are in an ever-increasing on-demand world where the risk is high for laggards to be left behind.”

As with fintechs in banking, Insurtechs initially focused on the retail segment, with 75 percent of business in personal lines and the remainder in the commercial segment.

“Banks have bought into the value of these technology partnerships but had the benefit of consumer expectations changing slowly with them. This compares to insurers who are in an ever-increasing on-demand world where the risk is high for laggards to be left behind.” — Emily Kosick, managing director, marketing, Slice

Those proportions may be set to change, with innovations such as digital commercial insurance brokerage Embroker’s recent launch of the first digital D&O liability insurance policy, designed for venture capital-backed tech start-ups and reinsured by Munich Re.

Embroker said coverage that formerly took weeks to obtain is now available instantly.

“We focus on three main issues in developing new digital business — what is the customer’s pain point, what is the expense ratio and does it lend itself to algorithmic underwriting?” said CEO Matt Miller. “Workers’ compensation is another obvious class of insurance that can benefit from this approach.”

Jason Griswold, co-founder and chief operating officer of Insurtech REIN, highlighted further opportunities: “I’d add a third category to personal and business lines and that’s business-to-business-to-consumer. It’s there we see the biggest opportunities for partnering with major ecosystems generating large numbers of insureds and also big volumes of data.”

For now, insurers are accommodating Insurtech disruption. Will that change?

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“Insurtechs have focused on products that regulators can understand easily and for which there is clear existing legislation, with consumer protection and insurer solvency the two issues of paramount importance,” noted Shawn Hanson, litigation partner at law firm Akin Gump.

“In time, we could see the disruptors partner with reinsurers rather than primary carriers. Another possibility is the likes of Amazon, Alphabet, Facebook and Apple, with their massive balance sheets, deciding to link up with a reinsurer,” he said.

“You can imagine one of them finding a good Insurtech and buying it, much as Amazon’s purchase of Whole Foods gave it entry into the retail sector.” &

Graham Buck is a UK-based writer and has contributed to Risk & Insurance® since 1998. He can be reached at riskletters.com.