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Attributes of Long Duration COVID-19 Workers' Compensation Claims
Edward J Bernacki1, Dan L Hunt, Nicholas F Tsourmas
1From Department of Medicine, Johns Hopkins School of Medicine, Baltimore, Maryland. (Dr Bernacki, Dr Tsourmas, Mr Yuspeh, Dr Kalia, Dr Leung, Dr Green-McKenzie, Dr Tao); Corporate Administration Office, AF Group, Lansing, Michigan (Dr Hunt); Department of Neurology, University of Maryland School of Medicine, Baltimore, Maryland (Dr Lavin); Strategy, Enterprise Risk, and Research, Louisiana Workers' Compensation Corporation, Baton Rouge, Louisiana (Mr Yuspeh); Texas Mutual, Workers' Compensation Insurance (Dr Leung, Dr Tsourmas, Dr Williams); General Electric, Norwalk, Connecticut (Dr Kalia); Department of Population Health, Dell Medical School, the University of Texas at Austin, Austin, Texas (Dr Bernacki, Dr Leung, Dr Tsourmas, Dr Tao).
Objective:
To examine the attributes associated with long duration COVID- 19 workers' compensation (WC) claims.
Methods:
A study was conducted on 13,153 COVID-19 WC claims accepted by a workers' compensation insurance carrier between January 1, 2020 and November 30, 2021.
Results:
1) Ninety-five percent of accepted WC claims were closed within the study period; 2) five percent of claims had 30 days or longer of lost time accounting for 65% of total paid WC costs; 3) medical costs increased 8-fold once paid days lost crossed the threshold of 60 days or greater; 4) age was the strongest risk factor associated with increased WC costs and prolonged impairment.
Conclusion:
Age at the time of infection was the major factor associated with prolonged impairment and high costs of COVID-19 related WC claims.
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