White Paper

The Rise of ODG

Official Disability Guideline (ODG), published by Work Loss Data Institute, has now been adopted by Texas, Oklahoma, Kansas, New Mexico, North Dakota, Tennessee, Ohio and Arizona (Arizona for chronic pain and opioids). As ODG continues to gain momentum, it’s hard not to acknowledge its success.


Official Disability Guideline (ODG), published by Work Loss Data Institute, has now been adopted by Texas, Oklahoma, Kansas, New Mexico, North Dakota, Tennessee, Ohio and Arizona (Arizona for chronic pain and opioids). As ODG continues to gain momentum, it’s hard not to acknowledge its success. In this article I want to share my thoughts on why I think ODG has been on the rise.

While ODG is by no means perfect, and while this article should not be taken as an official endorsement of ODG over all other treatment guidelines, I think UR Nation readers will be interested in hearing my theory on why ODG has been so successful.

ODG is Comprehensive

The ODG guidelines cover an impressive number of conditions and procedures, covering all 10,000 ICD-9 codes, 65,000 ICD-10 codes and 11,000 CPT procedure codes. From my years of practice I’ve seen no reason to dispute their assertion. Because the guidelines are comprehensive, they can help minimize uncertainty and many disputes between medical providers, insurance carriers and managed care entities. I’ve also noticed that because ODG is comprehensive, it rarely needs to be supplemented with other guidelines or resources to cover missing treatments.

ODG is Easy to Navigate

ODG has a user-friendly search feature for body parts and treatment procedures. Each recommendation is linked to the supporting medical evidence, provided in abstract form, which has been ranked, highlighted and indexed. And all treatments are either recommended, not recommended, or questionable. Specifically, the green check boxes mean it’s most likely going to be recommended. A red “X” means it’s probably not recommended. The yellow caution warnings mean the treatment is under study, or is questionable.

ODG is Continuously Updated

Unlike some guidelines that are not updated for several years, ODG reflects new studies as they are conducted and released throughout the year. ODG undergoes a comprehensive annual update process based on scientific medical literature review, claims data analysis and expert panel validation. And I like how the date of the version I’m looking at is always clearly visible. Another thing I’ve noticed is because ODG is frequently updated, ODG will often be the “secondary guide” when the primary guide (like the California Medical Treatment Utilization Schedule or “MTUS”) does not address the procedure in question.

ODG is Independent of Any Specialty Group

ODG tries to represent all medical specialties (occupational medicine, orthopaedic surgery, physical therapy, chiropractic care, etc.). I believe ODG has considerable provider acceptance, including adoption by more states than any other guideline because of its balanced approach focused sharply on improving the health and return-to-work outcomes for injured workers. In other words, unlike medical specialty society guidelines, ODG does not represent the interests of any one provider group over another group.


It will be interesting to see if ODG continues on its current successful trajectory. I know that recently a significant group of ODG supporters pushed the CA DWC to adopt the ODG based formulary; the effort was not successful. We at UR Nation will continue to examine ODG in light of the vast amount of treatment guidelines available and will continue to provide our thoughts and insights.


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Risk Management

The Profession

After 20 years in the business, Navy Pier’s Director of Risk Management values her relationships in the industry more than ever.
By: | June 1, 2017 • 4 min read

R&I: What was your first job?

Working at Dominick’s Finer Foods bagging groceries. Shortly after I was hired, I was promoted to [cashier] and then to a management position. It taught me great responsibility and it helped me develop the leadership skills I still carry today.

R&I: How did you come to work in risk management?

While working for Hyatt Regency McCormick Place Hotel, one of my responsibilities was to oversee the administration of claims. This led to a business relationship with the director of risk management of the organization who actually owned the property. Ultimately, a position became available in her department and the rest is history.

R&I: What is the risk management community doing right?


The risk management community is doing a phenomenal job in professional development and creating great opportunities for risk managers to network. The development of relationships in this industry is vitally important and by providing opportunities for risk managers to come together and speak about their experiences and challenges is what enables many of us to be able to do our jobs even more effectively.

R&I: What could the risk management community be doing a better job of?

Attracting, educating and retaining young talent. There is this preconceived notion that the insurance industry and risk management are boring and there could be nothing further from the truth.

R&I: What’s been the biggest change in the risk management and insurance industry since you’ve been in it?

In my 20 years in the industry, the biggest change in risk management and the insurance industry are the various types of risk we look to insure against. Many risks that exist today were not even on our radar 20 years ago.

Gina Kirchner, director of risk management, Navy Pier Inc.

R&I: What insurance carrier do you have the highest opinion of?

FM Global. They have been our property carrier for a great number of years and in my opinion are the best in the business.

R&I: Are you optimistic about the US economy or pessimistic and why?

I am optimistic that policies will be put in place with the new administration that will be good for the economy and business.

R&I: What emerging commercial risk most concerns you?


The commercial risks that are of most concern to me are cyber risks, business interruption, and any form of a health epidemic on a global scale. We are dealing with new exposures and new risks that we are truly not ready for.

R&I: Who is your mentor and why?

My mother has played a significant role in shaping my ideals and values. She truly instilled a very strong work ethic in me. However, there are many men and women in business who have mentored me and have had a significant impact on me and my career as well.

R&I: What have you accomplished that you are proudest of?

I am most proud of making the decision a couple of years ago to return to school and obtain my [MBA]. It took a lot of prayer, dedication and determination to accomplish this while still working a full time job, being involved in my church, studying abroad and maintaining a household.

R&I: What is your favorite book or movie?

“Heaven Is For Real” by Todd Burpo and Lynn Vincent. I loved the book and the movie.

R&I: What’s the best restaurant you’ve ever eaten at?


A French restaurant in Paris, France named Les Noces de Jeannette Restaurant à Paris. It was the most amazing food and brings back such great memories.

R&I: What is the most unusual/interesting place you have ever visited?

Israel. My husband and I just returned a few days ago and spent time in Jerusalem, Nazareth, Jericho and Jordan. It was an absolutely amazing experience. We did everything from riding camels to taking boat rides on the Sea of Galilee to attending concerts sitting on the Temple steps. The trip was absolutely life changing.

R&I: What is the riskiest activity you ever engaged in?

Many, many years ago … I went parasailing in the Caribbean. I had a great experience and didn’t think about the risk at the time because I was young, single and free. Looking back, I don’t know that I would make the same decision today.

R&I: What about this work do you find the most fulfilling or rewarding?

I would have to say the relationships and partnerships I have developed with insurance carriers, brokers and other professionals in the industry. To have wonderful working relationships with such a vast array of talented individuals who are so knowledgeable and to have some of those relationships develop into true friendships is very rewarding.

R&I: What do your friends and family think you do?

My friends and family have a general idea that my position involves claims and insurance. However, I don’t think they fully understand the magnitude of my responsibilities and the direct impact it has on my organization, which experiences more than 9 million visitors a year.

Katie Siegel is a staff writer at Risk & Insurance®. She can be reached at [email protected]