Emerging risks: You can t manage what you don t understand
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- Laura Harper
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2 Emerging risks: You can t manage what you don t understand SESSION SRM006
3 Speakers Kathy Schroeder Sr. Director, Global Risk Management Office Depot Jim Ryan Executive Vice President Sedgwick
4 Agenda Healthcare and medicine Workforce issues Predic5ve modeling Technology Interna5onal landscape Mergers & acquisi5ons Workplace violence
5 Rising medical costs Inflation On a national basis, it is about % annually Aging workforce will impact medical costs It will cost more to treat the same injuries for older employees compared to younger ones Medical costs significantly impacted by physician experience Good doctors provide good care at an effective cost
6 The current state of medical marijuana 23 states and D.C. have laws to legalize some use of marijuana 3 states with recreational use laws 10 states with pending legislation to permit medical marijuana use 1 state where legislation recently failed Medical marijuana legalized Marijuana legalized for recrea2onal use No laws legalizing marijuana 1,137,069 estimated legal medical marijuana patients
7 The facts of medical marijuana Raises heart rate from 20% to 100% for up to 3 hours More than doubles a driver s risk of being in an accident Marijuana stays in your system for up to 30 days after ingesting or smoking it, even though the person is not still impaired Causes pulmonary problems if smoked Associated with mental health issues such as depression, lack of motivation and thoughts of suicide Impairs coordination Inhibits learning and problem solving
8 The impact of opioids
9 Drug testing in the work place In most cases, it is legal for employers to test employees for drugs No federal law prohibits drug testing It is key that employers have a policy and administer it consistently Employers still have the ability to uphold their no drug use policies If a drug screen is positive for THC (marijuana), the employer has the right to terminate based on violation of policy
10 Workforce issues Baby boomers 10,000 baby boomers a day have been turning 65 since 1/1/11 and will continue until 2030 Living and working longer Retiring Smaller future workforce
11 Workforce issues Future workforce will be very technology savvy Future workforce will be demanding Telecommu2ng Flexible hours Work/life integra5on vs. balance
12 Workforce issues Aging workforce In 2015, those ages 50 and older will represent 45% of the U.S. population AARP Wellness programs Discounted healthcare costs/employee contribution Know your employee population Male/female makeup Age average, median and mode Diversity Culture
13 Diversity in the workforce Compared to past decades, today s labor force is older, more racially and ethnically diverse and composed of more women By 2050, there will be no racial or ethnic majority among the general population of the United States
14 Diversity in the workforce Changing face of America ü Aging and re2rements
15 Diversity in the workforce Racial and ethnic healthcare disparities Lower-end healthcare facilities Constraints on resources Availability of healthcare institutions Disruption in community based care Ethnic differences in pain and stress Work-related injuries by age, race/ethnicity and gender National Health Interview Survey,
16 Language challenges in the workplace Population five years and over 291,524,091 Speak only English 230,947,071 Speak a language other than English 60,577,020 (21%) Spanish or Spanish Creole 37,579,787 (62%) French 1,301,443 (2.1%) Chinese 2,882,497 (4.8%) Korean 1,141,277 (1.9%) Items that can have immediate impact Access to multilingual physicians Access to multilingual informational pamphlets, posters, etc. Access to multilingual claims reporting lines Managing list of providers to ensure appropriate balance by ethnicity, location and access
17 Predictive modeling Predictive modeling finds complex patterns in data not otherwise detectable Complex patterns are discovered using statistical techniques to determine causal relationships between claim, claimant and environment characteristics (independent variables) and outcomes (dependent variables)
18 Predictive modeling Predictive modeling alone does not make a solution Modeling identifies opportunities Deployment translates the model into actionable information Intervention leverages the information to affect an outcome Prevention: stop the occurrence Mitigation: minimize impact
19 Predictive modeling keys to success Focus on one hypothesis at a time Question or target of analysis Develop a plan around each of the three solution components Modeling Deployment Intervention Understand the perspective of each vendor/partner Focus on common goals Reward as a group Realize that these are not quick hit solutions Be prepared to adjust interventions Set up a refresh cycle for the model Generally, months out
20 Cyber risk Security breaches Business con2nuity plan Evalua2on of current system Get key players involved Not just an IT problem
21 Cyber risk Cyber Office Depot doubled cyber limits in 2014 Office Depot increased limits by another 50% in 2015 Office Depot could not obtain higher limits than the 50% increase in 2015 Insurers want implementation of Chip & Pin Point of Sale systems Insurers want end-to-end encryption of PII (personally identifiable information) BOD very attuned to cyber exposure, mitigation and insurance
22 The risk of technology Use of electronic devices while driving Phone conversations Hands-free Texting GPS Does your company have a policy? Lawsuits
23 Technology everywhere Social media Cameras Security, traffic and cell phone cameras everywhere Facebook, Twitter, etc. Claim investigation Not just claimant, but family and friends Lack of face-to-face interaction Depositions
24 Changing international landscape Compliance Compulsory insurance coverage Recommended insurance coverage Tax issues Increasing claim trends Appropriate risk transfer Employers Liability (EL) Local D&O policies
25 Mergers & acquisitions Office Depot and OfficeMax merger closed 11/5/13 Financial synergy targets Risk team Combine insurance coverage Vendor selection Brokers, insurers, TPA, managed medical, actuary, attorneys, RMIS, etc. Claim processes Reporting, TPA vs. self-administered, light-duty programs, safety Regulatory Insured vs. self-insured Trend analysis & reporting Systems
26 Mergers & acquisitions February 4, 2015 Office Depot and Staples enter into a agreement for Staples to acquire Office Depot Shareholders need to approve FTC needs to approve International regulatory agencies need to approve What happens if it goes through? What happens if it doesn t go through? Competitors until final decision made Talent retention Morale/motivation Priorities D&O lawsuits
27 Workplace violence Types of workplace violence Employee against employee or management Personal/domestic situations that spill over into the workplace Violence in connection with other crimes Random acts Aggressor defense Some states have the aggressor defense (by case law, not statute) Basis is that starting a fight is not part of your job, so any claim is considered not compensable
28 Workplace violence Prevention Secure access Cameras Zero tolerance Duty to report Homeland security Run. Hide. Fight. video
29 Thank you. Questions? SESSION SRM006
30 Speaker contact information Kathy Schroeder Sr. Director, Global Risk Management Office Depot Jim Ryan Executive Vice President Sedgwick
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