Disability Case Management Flashcards
Disability case management
The coordination and management of work related and nonwork-related injury and illness
Disability case management includes aspects related to the following types of benefits
- Group health
- Workers’ compensation
- Short term disability
- FMLA
- Long term disability
Purpose of case management
- Prevent fragmented care and delayed recovery
- Manage associated benefits
- Facilitate workers return to work to appropriate transitional or full duty assignment or to an optimal alternative
Primary goal of case management
Justify the health care provided with a clear measurement of outcomes
Benefits
Services owed to an individual, as defined by law (employment or workers compensation benefits) or based on criteria established in a policy or summary plan description ( rehabilitation, restraining)
Cash benefits
Cash that is paid either as part of workers compensation benefits or according to an employers defined disability plan or negotiated in a union contract to replace a workers loss of income or earning capacity due to disability resulting from an occupational or nonoccupational injury or illness
Four classifications to describe monetary workers compensation disability benefits
- Temporary total disability (TTD)
- Temporary partial disability (TPD)
- Permanent total disability (PTD)
- Permanent partial disability (PPD)
Temporary total disability
- TTD
- Tax free reimbursement for partial wages when a worker is temporarily totally disabled
Temporary partial disability
- TPD
- Tax free reimbursement for partial wages when a worker is temporarily partially disabled
Permanent total disability
- PTD
- Tax free reimbursement for partial wages when a worker is permanently totally disabled
Permanent partial disability
- PPD
- Tax free reimbursement for partial wages when a worker is permanently partially disabled
Workers compensation benefits are determined and allocated according to…
State jurisdictional rules
Other disability benefits (STD and LTD) can be either tax free when——- or after tax in ———
Worker pays for these plans
Employer paid or employer self funded programs
Other disability benefits (STD or LTD) are determined and allocated according to…
Language in the employers disability plan descriptions or policy statement
Deductible
The amount that a member of the health care plan must pay for covered services per specified period (usually the policy year) before the insurer will pay benefits (ie health care/ prescriptions)
Earning capacity
The potential wages a worker could achieve, given his or her education, training, skill level, previous experience, medical condition, proximity to available work and other factors
Exclusive remedy
The legal concept that receipt of workers compensation benefits is the sole benefit (remedy) for the occupational condition incurred and leaves the worker without an additional course of action against the employer
Functional capacity evaluation
- FCE
- A professional assessment to specifically determine a disabled persons residual physical abilities
Gatekeeper
- The term commonly used to refer to a primary care provider (PCP) who is responsible for coordinating all of a members medical care.
- Also may refer to a type if managed care plan that required that all members have a formal referral from a PCP in order for other care to be covered by the plan
Indemnity
In workers compensation language, generally refers to payments made for lost wages
Indemnity plan
A traditional health insurance program in which the insured person is reimbursed for covered expenses after a deductible is met
Independent medical examination
- IME
- A second medical opinion related to a workers health condition that can be legally binding in some jurisdictions and according to some plan designs
Job analysis
A detailed description of a workers job duties and physical and mental activities that identifies the essential functions of the job
Managed care
A system of health care delivery that influences utilization of services, costs of services, channeling for services and measures of performance
Maximum medical improvement
Used in workers compensation to indicate the final level to which a person improves/recovers after sustaining a disabling medical condition (may or may not equate to pre-disability level)
Rehabilitation
Treatment or formal plan provided by multidisciplinary specialists intended to return the worker to optimal function
Reserves
Money set aside by a self-insured organization or an insurance carrier to pay the ultimate monetary cost of claims/losses
Residual functional capacity
- RFC
- The final determination of a persons physical capabilities or restrictions at the conclusion of recovery from an illness or injury, usually determined from a physical evaluation and review of a FCE test.
- The RFC determination is compared with the physical demands of the job activity to determine the appropriateness of vocational options or limitations in daily living.
Risk management
The process of making and implementing decisions that will minimize the adverse effects of accidental and business losses on an organization
Return to work
- RTW
- The desired goal for all workers after an injury or illness (occupational or nonoccupational)
Transitional work
A temporary job that accommodates the workers restrictions for a limited period during recovery from an injury or illness
Options for transitional work assignments include the following:
- Modified duty
2. Alternative duty
Modified duty
A workers original job is adjusted to accommodate restrictions
Alternative duty
The worker performs a different job because restrictions rule out continued performance of original job duties
Third party administrator
- TPA
- A company that handles all the administrative tasks involved in managing claims for self-insured employers who find their own benefit plans
Utilization review
A process that measures use and consumption of available resources (including professional staff, facilities and services) to determine medical necessity, cost effectiveness and conformity to criteria for optimal use
Wage loss
The actual amount of monetary losses sustained by a worker due to the inability to work
Case management has been used to describe a variety of strategies for managing health and social services for…..
- Individuals
- Families
- Work force populations
————, a forerunner to case management began at the turn or the 20th century in public health programs
Community service coordination