Find the Courage to Change the Workers’ Comp Industry — and Yourself

One woman’s journey to overcome paralyzing fear provided inspiration for workers' comp professionals attending AWWC’s December 2018 leadership event.
By: | December 18, 2018 • 4 min read

As the industry shifts and evolves, there are almost infinite opportunities for workers’ comp leaders to develop new ideas, to do things differently, to make changes big and small.


But lurking in the shadows of all that potential, there’s often an undercurrent of fear. Fear of change. Fear of failure. Fear of the unknown. The question is, do you let fear stand in your way? Or do you use it to push you forward?

That’s the theme that has guided Michelle Poler’s personal and professional journey for the last several years. Motivational speaker, YouTuber and social entrepreneur Poler spoke about her experiences during a Dec. 4 presentation called “Fear Less | Do More,” at The Alliance of Women in Workers’ Compensation’s 5th annual leadership event held in Las Vegas, in conjunction with the National Workers’ Compensation and Disability Conference.

In front of a room packed with more than 500 people, Poler bounded onstage dancing energetically to a pop tune and egged on the audience to rise up and join her … not exactly something within the comfort zone for most insurance industry types. Of course, that was precisely the point.

These days, Poler is intimately familiar with embracing discomfort. But that wasn’t always the case. Venezuela-born Poler, the grandchild of Holocaust survivors, said an undercurrent of fear was passed down through the family, the legacy of those dark days.

Michelle Poler, speaker, YouTuber, social entrepreneur

Throughout her childhood, the bulk of Poler’s decisions were born of fear, even though she didn’t realize it consciously. In her 20s, she was working as an art director in the advertising industry and pursuing a masters in branding at New York City’s School of Visual Arts. But her fears never lost their grip on her. Her comfort zone had contracted so tightly that without intervention, she worried she would eventually be afraid to leave home.

As part of a class project, she launched 100 Days Without Fear, an effort to rattle the boundaries of that comfort zone. Poler committed to doing 100 things that challenged her fears of risk, pain, embarrassment and loss of control. And sharing them all on YouTube.

During the course of the project, Poler’s activities ran the gamut, from trying Indian food for the first time and holding a tarantula, to cliff diving, posing nude for an art class and “dancing like no one’s watching” in the middle of Times Square — where everyone was watching.

Poler has taken away lessons worth sharing from each new experience during the project. While dancing in Times Square, Poler said it was “the first time I got to experience living my life to the fullest.” During the undoubtedly unnerving art class experience, Poler says she took away revelations about our fear of how others see us or judge us.

“I kept thinking they were judging me, but then I realized they were there to fulfill their own mission,” she said. The experience helped her understand that “nobody judges us that way we judge ourselves.”

Around day 40, Poler’s project went viral and was picked up by news outlets around the world, to her amazement, and the rest of the project took place in front of a far larger YouTube audience than Poler could have dreamed.

“I kept thinking they were judging me, but then I realized they were there to fulfill their own mission … nobody judges us that way we judge ourselves.” — Michelle Poler, speaker, YouTuber, social entrepreneur

Before long, other people began posting replies, explaining how she’d inspired them to take on their own fears and change their lives. Poler realized she’d started something interesting. Something powerful. She turned her project into a movement called Hello Fears, which celebrates stories of courage and growth.

Poler took the insights she’d collected and the stories of people she’d inspired and distilled it to form the basis of her Day 100 contribution: Giving a talk at TedxHouston.

Despite having faced 99 fears already, Poler was feeling rather less than fearless before taking the stage in Houston. A backstage assistant, trying to be helpful, asked “What’s the worst that could happen?” As the specter of a disastrous failure flashed before her eyes, Poler decided it was time to change the question. “What’s the best that could happen?” she asked herself. And thought about inspiring and empowering more people to overcome their own fears.

“At that point, I felt no more fear, only excitement,” said Poler.


By the end of the 100 days, Poler realized her original premise had been misguided. “I thought the goal was to eliminate fear, but fear is your ally,” she said. Poler hadn’t become fearless. Instead, she had changed her relationship with fear. No longer letting it have the reins, she finally understood how to put it in its place, how to use it as a tool to fuel growth and progress.

“You will either step forward into growth, or step back into safety,” said Poler, quoting Abraham Maslow, the father of humanistic psychology.

The value of Poler’s message for women (and men) in workers’ comp is potent. There’s no way to quantify the great ideas that never came to light, the game-changing conversations that never happened, the projects that never got funded, even the meaningful job changes that were never pursued — because fear of failure, disapproval or rejection got in the way.

Poler’s question, “What’s the best that can happen?” is one that bears repeating for workers’ comp leaders, who can empower and inspire their teams by using fear and doubt to fuel next-level workers’ comp program growth. &

Michelle Kerr is associate editor of Risk & Insurance. She can be reached at [email protected]

4 Companies That Rocked It by Treating Injured Workers as Equals; Not Adversaries

The 2018 Teddy Award winners built their programs around people, not claims, and offer proof that a worker-centric approach is a smarter way to operate.
By: | October 30, 2018 • 3 min read

Across the workers’ compensation industry, the concept of a worker advocacy model has been around for a while, but has only seen notable adoption in recent years.

Even among those not adopting a formal advocacy approach, mindsets are shifting. Formerly claims-centric programs are becoming worker-centric and it’s a win all around: better outcomes; greater productivity; safer, healthier employees and a stronger bottom line.


That’s what you’ll see in this month’s issue of Risk & Insurance® when you read the profiles of the four recipients of the 2018 Theodore Roosevelt Workers’ Compensation and Disability Management Award, sponsored by PMA Companies. These four programs put workers front and center in everything they do.

“We were focused on building up a program with an eye on our partner experience. Cost was at the bottom of the list. Doing a better job by our partners was at the top,” said Steve Legg, director of risk management for Starbucks.

Starbucks put claims reporting in the hands of its partners, an exemplary act of trust. The coffee company also put itself in workers’ shoes to identify and remove points of friction.

That led to a call center run by Starbucks’ TPA and a dedicated telephonic case management team so that partners can speak to a live person without the frustration of ‘phone tag’ and unanswered questions.

“We were focused on building up a program with an eye on our partner experience. Cost was at the bottom of the list. Doing a better job by our partners was at the top.” — Steve Legg, director of risk management, Starbucks

Starbucks also implemented direct deposit for lost-time pay, eliminating stressful wait times for injured partners, and allowing them to focus on healing.

For Starbucks, as for all of the 2018 Teddy Award winners, the approach is netting measurable results. With higher partner satisfaction, it has seen a 50 percent decrease in litigation.

Teddy winner Main Line Health (MLH) adopted worker advocacy in a way that goes far beyond claims.

Employees who identify and report safety hazards can take credit for their actions by sending out a formal “Employee Safety Message” to nearly 11,000 mailboxes across the organization.

“The recognition is pretty cool,” said Steve Besack, system director, claims management and workers’ compensation for the health system.

MLH also takes a non-adversarial approach to workers with repeat injuries, seeing them as a resource for identifying areas of improvement.

“When you look at ‘repeat offenders’ in an unconventional way, they’re a great asset to the program, not a liability,” said Mike Miller, manager, workers’ compensation and employee safety for MLH.

Teddy winner Monmouth County, N.J. utilizes high-tech motion capture technology to reduce the chance of placing new hires in jobs that are likely to hurt them.

Monmouth County also adopted numerous wellness initiatives that help workers manage their weight and improve their wellbeing overall.

“You should see the looks on their faces when their cholesterol is down, they’ve lost weight and their blood sugar is better. We’ve had people lose 30 and 40 pounds,” said William McGuane, the county’s manager of benefits and workers’ compensation.


Do these sound like minor program elements? The math says otherwise: Claims severity has plunged from $5.5 million in 2009 to $1.3 million in 2017.

At the University of Pennsylvania, putting workers first means getting out from behind the desk and finding out what each one of them is tasked with, day in, day out — and looking for ways to make each of those tasks safer.

Regular observations across the sprawling campus have resulted in a phenomenal number of process and equipment changes that seem simple on their own, but in combination have created a substantially safer, healthier campus and improved employee morale.

UPenn’s workers’ comp costs, in the seven-digit figures in 2009, have been virtually cut in half.

Risk & Insurance® is proud to honor the work of these four organizations. We hope their stories inspire other organizations to be true partners with the employees they depend on. &

Michelle Kerr is associate editor of Risk & Insurance. She can be reached at [email protected]