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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]

High Net Worth

High Net Worth Clients Live in CAT Zones. Here’s What Their Resiliency Plan Should Include

Having a resiliency plan and practicing it can make all the difference in a disaster.
By: | September 14, 2018 • 7 min read

Packed with state-of-the-art electronics, priceless collections and high-end furnishings, and situated in scenic, often remote locations, the dwellings of high net worth individuals and families pose particular challenges when it comes to disaster resiliency. But help is on the way.

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Armed with loss data, innovative new programs, technological advances, and a growing army of niche service-providers aimed at addressing an astonishingly diverse set of risks, insurers are increasingly determined to not just insure against their high net worth clients’ losses, but to prevent them.

Insurers have long been proactive in risk mitigation, but increasingly, after the recent surge in wildfire and storm losses, insureds are now, too.

“Before, insurance was considered the only step in risk management. Now, our client families realize it is one of the many imperative steps in an effective risk management strategy,” said Laura Sherman, founding partner at Baldwin Krystyn Sherman Partners.

And especially in the high net worth space, preventing that loss is vastly preferable to a payout, for insurers and insureds alike.

“If insurers can preserve even one house that’s 10 or 20 or 40 million dollars … whatever they have spent in a year is money well spent. Plus they’ve saved this important asset for the client,” said Bruce Gendelman, chairman and founder Bruce Gendelman Insurance Services.

High Net Worth Vulnerabilities

Laura Sherman, founding partner, Baldwin Krystyn Sherman Partners

As the number and size of luxury homes built in vulnerable areas has increased, so has the frequency and magnitude of extreme weather events, including hurricanes, harsh cold and winter storms, and wildfires.

“There is a growing desire to inhabit this riskier terrain,” said Jason Metzger, SVP Risk Management, PURE group of insurance companies. “In the western states alone, a little over a million homes are highly vulnerable to wildfires because of their proximity to forests that are fuller of fuel than they have been in years past.”

Such homes are often filled with expensive artwork and collections, from fine wine to rare books to couture to automobiles, each presenting unique challenges. The homes themselves present other vulnerabilities.

“Larger, more sophisticated homes are bristling with more technology than ever,” said Stephen Poux, SVP and head of Risk Management Services and Loss Prevention for AIG’s Private Client Group.

“A lightning strike can trash every electronic in the home.”

Niche Service Providers

A variety of niche service providers are stepping forward to help.

Secure facilities provide hurricane-proof, wildfire-proof off-site storage for artwork, antiques, and all manner of collectibles for seasonal or rotating storage, as well as ahead of impending disasters.

Other companies help manage such collections — a substantial challenge anytime, but especially during a crisis.

“Knowing where it is, is a huge part of mitigating the risk,” said Eric Kahan, founder of Collector Systems, a cloud-based collection management company that allows collectors to monitor their collections during loans to museums, transit between homes, or evacuation to secure storage.

“Before, insurance was considered the only step in risk management. Now, our client families realize it is one of the many imperative steps in an effective risk management strategy.” — Laura Sherman, founding partner, Baldwin Krystyn Sherman Partners

Insurers also employ specialists in-house. AIG employs four art curators who advise clients on how to protect and preserve their art collections.

Perhaps the best known and most striking example of this kind of direct insurer involvement are the fire teams insurers retain or employ to monitor fires and even spray retardant or water on threatened properties.

High-Level Service for High Net Worth

All high net worth carriers have programs that leverage expertise, loss data, and relationships with vendors to help clients avoid and recover from losses, employing the highest levels of customer service to accomplish this as unobtrusively as possible.

“What allows you to do your job best is when you develop that relationship with a client, where it’s the same people that are interacting with them on every front for their risk management,” said Steve Bitterman, chief risk services officer for Vault Insurance.

Site visits are an essential first step, allowing insurers to assess risks, make recommendations to reduce them, and establish plans in the event of a disaster.

“When you’re in a catastrophic situation, it’s high stress, time is of the essence, and people forget things,” said Sherman. “Having a written plan in place is paramount to success.”

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Another important component is knowing who will execute that plan in homes that are often unoccupied.

Domestic staff may lack the knowledge or authority to protect the homeowner’s assets, and during a disaster may be distracted dealing with threats to their own homes and families. Adequate planning includes ensuring that whoever is responsible has the training and authority to execute the plan.

Evaluating New Technology

Insurers use technologies like GPS and satellite imagery to determine which homes are directly threatened by storms or wildfires. They also assess and vet technologies that can be implemented by homeowners, from impact glass to alarm and monitoring systems, to more obscure but potentially more important options.

AIG’s Poux recommends two types of vents that mitigate important, and unexpected risks.

“There’s a fantastic technology called Smart Vent, which allows water to flow in and out of the foundation,” Poux said. “… The weight of water outside a foundation can push a foundation wall in. If you equalize that water inside and out at the same level, you negate that.”

Another wildfire risk — embers getting sucked into the attic — is, according to Poux, “typically the greatest cause of the destruction of homes.” But, he said, “Special ember-resisting venting, like Brandguard Vents, can remove that exposure altogether.”

Building Smart

Many disaster resiliency technologies can be applied at any time, but often the cost is fractional if implemented during initial construction. AIG’s Smart Build is a free program for new or remodeled homes that evolved out of AIG’s construction insurance programs.

Previously available only to homes valued at $5 million and up, Smart Build recently expanded to include homes of $1 million and up. Roughly 100 homes are enrolled, with an average value of $13 million.

“In the high net worth space, sometimes it takes longer potentially to recover, simply because there are limited contractors available to do specialty work.” — Curt Goetsch, head of underwriting, Private Client Group, Ironshore

“We know what goes wrong in high net worth homes,” said Poux, citing AIG’s decades of loss data.

“We’re incenting our client and by proxy their builder, their architects and their broker, to give us a seat at the design table. … That enables us to help tweak the architectural plans in ways that are very easy to do with a pencil, as opposed to after a home is built.”

Poux cites a remote ranch property in Texas.

Curt Goetsch, head of underwriting, Private Client Group, Ironshore

“The client was rebuilding a home but also installing new roads and grading and driveways. … The property was very far from the fire department and there wasn’t any available water on the property.”

Poux’s team was able to recommend underground water storage tanks, something that would have been prohibitively expensive after construction.

“But if the ground is open and you’ve got heavy equipment, it’s a relatively minor additional expense.”

Homes that graduate from the Smart Build program may be eligible for preferred pricing due to their added resilience, Poux said.

Recovery from Loss

A major component of disaster resiliency is still recovery from loss, and preparation is key to the prompt service expected by homeowners paying six- or seven-figure premiums.

Before Irma, PURE sent contact information for pre-assigned claim adjusters to insureds in the storm’s direct path.

“In the high net worth space, sometimes it takes longer potentially to recover, simply because there are limited contractors available to do specialty work,” said Curt Goetsch, head of underwriting for Ironshore’s Private Client Group.

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“If you’ve got custom construction or imported materials in your house, you’re not going to go down the street and just find somebody that can do that kind of work, or has those materials in stock.”

In the wake of disaster, even basic services can be scarce.

“Our claims and risk management departments have to work together in advance of the storm,” said Bitterman, “to have contractors and restoration companies and tarp and board services that are going to respond to our company’s clients, that will commit resources to us.”

And while local agents’ connections can be invaluable, Goetsch sees insurers taking more of that responsibility from the agent, to at least get the claim started.

“When there is a disaster, the agency’s staff may have to deal with personal losses,” Goetsch said. &

Jon McGoran is a novelist and magazine editor based outside of Philadelphia. He can be reached at [email protected]