Hemic (PDF)

Document Sample
Hemic (PDF) Powered By Docstoc
					        Workers’ Compensation Resource for Hawai‘i Employers / Volume 2 Number 3


         The New                 The Light at HIPAA Primer
        HEMIC.COM               the End of the for Business
                                Carpal Tunnel




Getting
Connected
  HEMIC.COM
                                                                                                                                                                                                                                                          H   E   M   I   C   C   O   N   N   E   C   T   I   O   N   3




                                                                                                     H E M I C
                                                                                                                                         The New
                                                                                                                                         HEMIC.com
                                                                                          Hawai‘i Employers’ Mutual
President’s Message                                                                        Insurance Company, Inc.
                                                                                                    BOB DOVE
                                                                                                     CEO/President
                                                                                                     808 522-5500
                                                                                                   bdove@hemic.com
                                                                                              S H AY N E D O B B I N S
                                                                                            Director of Information Services
                                                                                                     678 585-0449
                                                                                                sdobbins@hemic.com
                                                                                                                                         It seems like only yesterday that HEMIC           community. The homepage
Welcome to the 7th edition of HEMIC Connections, dedicated to the new HEMIC                          JOE HEE
web site. We’ve covered our web site in a past edition of Connections, but felt         Vice President/Finance and Compliance            published its first website. At that time, the    is a hub for information
that our recent overhaul of HEMIC.com was so dramatic that we would lead this                        808 522-5257                        full potential of the web had yet to be           about workers’ comp
                                                                                                   jhee@hemic.com
issue with our online presence as well.                                                                                                  shown, and our web presence was little            insurance, from timely news
                                                                                                JASON YOSHIMI
                                                                                          Vice President/Accounting & Budget
                                                                                                                                         more than an online brochure describing           to the schedule of safety
HEMIC.com was originally built as a resource for you, our members. The redesigned
                                                                                                     808 522-5258                        HEMIC’s services.                                 seminars on Kauai. When
site goes even further to provide you with news and resources that you can use                   jyoshimi@hemic.com
to help make your workplace a safer place and to help reduce insurance fraud.                                                                A lot has changed since then. The web         our members know about
                                                                                                C A R LT O N C H U N
                                                                                                   General Counsel
                                                                                                                                         has become the premier tool for finding           these issues, the costs of
To that end, we’ve populated the home page with breaking news and feature                            808 535-5465                        information and getting business done. In         insuring workers’ comp
articles that will help you understand more about your coverage and the                           cchun@hemic.com
                                                                                                                                         our industry, the web has allowed clients         decrease, as does,the
insurance scene in general.                                                                     S TA C Y M I L L E R                     and agents to access accounts at will and to      number of injuries in the
                                                                                          Vice President/Claim/Legal Services
There’s a host of new features on the site which are described in this issue.                        808 522-8909                        report fraud online.                              workplace.
Most exciting is the addition to the website of on-line quotes for new clients.                   smiller@hemic.com
                                                                                                                                             As we developed the new site, we                  For agents and members, there are hot        archives for articles on, say, preventing
As a mutual company, HEMIC’s healthy growth benefits all our members.                            C O N N I E FA R I A                                                                                                                        employee fraud, or avoiding back injuries.
                                                                                                                                         wanted to put the power of the web into the       keys to take them directly to their secure
                                                                                           Director of Underwriting Services
In keeping with the theme of the information age, this issue takes a look at                         808 522-5269                        hands of our insureds, to offer them new          areas. The function of these areas remains       And there’s an interactive menu of all the
the next round of HIPAA electronic privacy regulations that are almost upon                       cfaria@hemic.com                       ways of getting support and information,          fundamentally the same as the old site.          safety videos in our library, making it easier
us. The new regulations affect virtually every business that keeps or transmits                JOE BENEVIDES                             and to help them fight fraud and promote              The new site has a great new look and        than ever to order a video on the topic of
medical information about its employees, including health insurance                            Director of Field Service s
                                                                                                    808 522-8902                         safety in the workplace.                          simple, direct navigation to help you get what   your choice.
applications and workers’ comp claims.                                                         jbenevides@hemic.com                                                                                                                            We hope you’ll make the new website your
                                                                                                                                             The new HEMIC site is a rich interactive      you need as quickly as possible. For members
Finally, we take a look at what some people think of as an affliction of the                         BOB LONG                             tool that will be useful to our insureds and      interested in a particular subject, there’s a    primary resource for finding out how to best
                                                                                              Director of Network Services
information age: carpal tunnel syndrome. Is it really caused by too much time                        808 522-5857                        their agents, as well as to the entire business   powerful search engine that will comb the        protect your company and your employees.
at the keyboard?                                                                                  blong@hemic.com
                                                                                                   FAY E B U E N O
In all, this issue and our new online presence reinforce our commitment to                     Director of Administration
our insureds, their employees and to the entire business community to make                           808 522-5253
                                                                                                  fbueno@hemic.com
                                                                                                                                            What you’ll find at HEMIC.com                                           • Interactive menu of HEMIC’s safety videos that
Hawaii’s workplaces safer and to lower the cost of workplace injuries in both
                                                                                                                                            • New interface to make it easier than ever to                           enables members to browse our extensive
human and financial terms. Electronically and otherwise, our policy is taking
care of Hawaii.
                                                                                    HEMIC Connection is published quarterly and
                                                                                                                                              find the services or information you need                               library of titles and to order videos online.
                                                                                    is a free service exclusively for policyholders of
                                                                                    Hawai‘i Employers’ Mutual Insurance                     • Redesigned home page to bring you timely                             • Online fraud reporting
                                   S i n c e r e ly,                                Company, Inc.
                                                                                                                                              topics on the workers’ comp insurance scene,                         • Online quotes for new clients
                                                                                    Q U EST I O N S & CO M M E N TS
                                                                                                                                              as well as articles on fraud prevention and                          • Agent locator for all islands
                                                                                    Are there questions and ideas you’d like to
                                                                                    share? Please write us at HEMIC Connection                safety in the workplace                                              • Searchable schedule for HEMIC Safety
                                   Robert L. Dove                                   P.O. Box 3376, Honolulu, Hawai‘i 96801 or
                                                                                                                                            • Powerful search engine that enables you to                             seminars on each Island
                                   President and CEO                                email us at info@hemic.com.
                                                                                                                                              look for articles or news on any given topic.                        • Archive of past newsletters in PDF format
                                                                                                                                                                                                                           H   E   M   I   C   C   O   N   N   E   C   T   I   O   N   5




                                                                                                        In response to these and other questions,
                                                                                                    the federal government enacted legislation in
                                                                                                                                                              Electronic privacy for medical
                                                                                                    1996 aimed at minimizing the opportunity for
                                                                                                    abuse of patients’ medical information. The             records is not only a good idea —
                                                                                                    Health Insurance Portability & Accountability
                                                                                                    Act of 1996, known by the acronym HIPAA,
                                                                                                    was the result. The goal was to improve
                                                                                                                                                                     it’s now the Law.
                                                                                                    efficiency in healthcare delivery by standard-
                                                                                                    izing electronic data interchange, and protect          should be used for health purposes only,         • Developing action plans with deadlines
                                                                                                    the confidentiality and security of health data          including treatment and payment.                    and timetables and the infrastructure to
                                                                                                    by setting and enforcing standards.                  3. Accountability: Under HIPAA, for the first           implement the plan
                                                                                                        The effect has been felt in every sector of         time, there are specific federal penalties if a   • Implementing the action plan, including
                                                                                                    the health care industry as it has brought              patient's right to privacy is violated.             new policies, procedures and
                                                                                                    about sweeping changes in most healthcare            4. Public Responsibility: Privacy protection           technologies.
                                                                                                    transaction and administrative information              must be balanced with the responsibility         • On-going training and enforcement
                                                                                                    systems. Literally all healthcare organizations         to protect public health, conduct medical
                                                                                                    have been affected, including health care               research, improve the quality of care, and       We at HEMIC applaud the intention of the
                                                                                                    providers, health plans, employers, public              fight health care fraud and abuse.                new regulation. We hope compliance
                                                                                                    health authorities, insurers, clearinghouses,        5. Security: Organizations that are entrusted       requirements will be further streamlined to
                                                                                                    billing agencies, information systems vendors,          with health information are responsible to       avoid onerous costs and workloads related to
                                                                                                    service organizations, and universities.                protect against deliberate or inadvertent        compliance. We encourage our members to
                                                                                                        As a provider of workers’ compensation              misuse or disclosure.                            find out all they can to insure that they are
                                                                                                    insurance, HEMIC is clearly impacted by the                                                              ready for the next compliance deadline
                                                                                                                                                         As with any legislation of such sweeping
                                                                                                    new regulations. Our management and staff
                                                                                                                                                         scope and effect, a number of years have
                                                                                                    have looked at every aspect of the way we
                                                                                                                                                         passed as specifics of the rules and regula-           For more information about
                                                                                                    handle claims to assure that we effectively
                                                                                                                                                         tions have been ironed out. The compliance            HIPAA, see these web sites:
                                                                                                    deal with all compliance issues.
                                                                                                                                                         date for the Transactions Rule was October
                                                                                                                                                         16, 2002. The Privacy Rule, which became              The U.S. Health and Human
                                                                                                    What HIPAA Does
                            The technological innovations of the last few years have increased                                                           effective April 14, 2001, will require manda-         Services’ Office for Civil Rights
                                                                                                    HIPAA calls for the standardization of               tory compliance by April 14, 2003. Other              www.hhs.gov/ocr/hipaa/

The New
                            the speed and efficiency of business immeasurably. But the
                                                                                                    electronic patient health, administrative and        parts of the Act are still being worked out.
                            benefits of electronic information age have not come without a                                                               HIPAA calls for severe civil and criminal             The U.S. HHS’ Office of the
                                                                                                    financial data; the implementation of unique
                                                                                                                                                                                                               Assistant Secretary for Planning

Privacy Regs:
                            cost. Because information is so easily and rapidly transmitted          health identifiers for individuals, employers,        penalties for noncompliance, so organizations
                                                                                                    health plans and health care providers; and          keep a watchful eye on these deadlines.               and Evaluation
                            via the web and email, there have been grave concerns about
                                                                                                    security standards protecting the confiden-                                                                 aspe.hhs.gov/admnsimp


A HIPAA
                            the erosion of privacy.                                                                                                      Doing Our Part
                                                                                                    tiality and integrity of “individually identifiable
                               In particular, the new technologies have raised scores of            health information,” past, present or future.                                                              The HIPAA Advisory Organization
                                                                                                                                                         For many organizations that handle medical            www.hipaadvisory.com/
                            questions about the rights of patients whose medical records are             The new HIPAA regulations reflect five

Primer
                                                                                                                                                         data, a number of steps have been taken to
       Internet privacy                                                                             basic principles:                                    assure compliance with the rules. These
                            stored, transmitted or shared electronically. When can a patient’s                                                                                                                 Centers for Medicare and
                                                                                                    1. Consumer Control: The regulation                  include:
       issues drove the     records be shared with other health care providers or insurers?             provides consumers with critical new
                                                                                                                                                                                                               Medicaid Services
                                                                                                                                                                                                               www.cms.gov/hipaa
       government to act.   What right does a patient have to restrict the availability of his or       rights to control the release of their           • Building organizational awareness of
                                                                                                        medical information                                HIPAA
                            her records? What responsibility do heath care industry organi-                                                                                                                    HIPAA.ORG www.hipaa.org
       Now it’s our turn.                                                                           2. Boundaries: With few exceptions, an               • Assessing the organization's information
                            zation have to keep patients’ information secure?                           individual's health care information               security systems, policies and procedures
6    H A W A I I   E M P L O Y E R S ’   M U T U A L                                                                                                                                                                                                           H   E   M   I   C   C   O   N   N   E   C   T   I   O   N   7




                                                                                                                                                           There are no proven

The Light at the                                                                                                                                           strategies to prevent carpal
                                                                                                                                                           tunnel syndrome, but to
                                                                                                                                                           protect your hands from a
End of the                                                                                                                                                 variety of ailments, take
                                                                                                                                                           the following precautions:


Carpal Tunnel                                                                                                                                              Reduce your force and relax
                                                                                                                                                           your grip. Studies show that
                                                                                                                                                           most people use four to five
                                                                                                                                                           times more force than they
                                                                                                                                                           need to perform most tasks
             Spending too much time at                                                                                                                     involving the hands. If your
                                                                                                                                                           work involves a cash register, for
             the computer? Your eyes                                                                                                                       instance, hit the keys softly. If
             may be burning, but it may                                                                                                                    you frequently write by hand,
                                                                                                                                                           use a big pen with an oversized,
             not be the cause of the                                                                                                                       soft grip and free-flowing ink.
             numbness in your hands.
                                                                                                                                                           Take frequent breaks. Every
                                                                                                                                                           15 to 20 minutes give your
                                                                                                                                                           hands and wrists a break by
It’s a common myth that carpal tunnel synd-            develop carpal tunnel syndrome than are          “shocks” that emanate from the center of the       gently stretching and bending
rome is a disease of our digital society, caused       men. The risk of carpal tunnel syndrome          wrist into the hand.                               them. Alternate tasks when
by long hours at the computer keyboard.
But carpal tunnel syndrome dates back long
before Dell, Gates and even Eniac. Evidence
of this nerve disorder of the wrist and hand
                                                       increases with age, with the highest risk for
                                                       those between 40 and 60 years of age. Certain
                                                       conditions such as obesity, diabetes, thyroid
                                                       problems and rheumatoid arthritis have been
                                                                                                            If you suspect you have carpal tunnel
                                                                                                        syndrome, you should be examined for the
                                                                                                        condition right away. It can get worse and, left
                                                                                                        untreated, can result in weakness of the small
                                                                                                                                                           possible. Type for 15 minutes
                                                                                                                                                           then do some phone work for
                                                                                                                                                           5 minutes. If you use equip-
                                                                                                                                                           ment that vibrates or on which
                                                                                                                                                                                                              Safety Online
                                                                                                                                                                                                When our members provide a safer work-            agers and employees. Up to four titles at a
can be found in medical records at the begin-          associated with an increased risk of carpal      muscles in the hand or nerve damage. After a       you exert a great amount of          place, everyone wins: employees suffer fewer      time can be ordered online and delivered to
ning of the 20th century. Blame it on the              tunnel syndrome. Injuries such as a broken       while, carpal tunnel can result in a “blind”       force, taking breaks is even         injuries, HEMIC pays fewer claims, and the        your workplace.
repetitive tasks required by the industrial age,       wrist or dislocated hand bones can also lead     hand, in which you lose the feeling in the         more important.                      cost of insurance decreases. That’s why              For an excellent training series on
not the information age.                               to the condition later in life.                  thumb, index and middle fingers. Pay close                                              HEMIC has made a commitment to providing          ergonomics in the workplace, we encourage
                                                                                                                                                           Watch your form. Avoid bend-
    As working tasks have become even more                 The carpal tunnel in question is a narrow    attention to where the tingling is located to                                           resources that help our members learn about       members to borrow our new set of
                                                                                                                                                           ing your wrist all the way up or
repetitive in the last couple of decades, there        passageway—about as big around as your           help your doctor determine what nerve is                                                safety and health issues. Our ongoing series of   Ergonomics CD-ROM’s. They provide an
                                                                                                                                                           down. A relaxed middle position
has been an increase in cases of carpal tunnel         thumb—on the palm side of your wrist. This       causing the problem.                               is best. If you use a keyboard,      safety seminars and our library of safety         excellent overview of ergonomic issues and
syndrome. And, yes, typing at the keyboard             tunnel protects a main nerve to your hand            It’s a good idea to see a specialist who       keep it at elbow height or           videos and CD’s are two ways we do that.          suggestions of what you can do to promote a
may be one of those tasks. (Though a 2001              and nine tendons that bend your fingers.         understands the details of nerve and muscle        slightly lower.                          The new HEMIC.com website brings our          healthier workplace. For information about
study in the journal Neurology found that              When pressure is put on the median nerve it      problems such as an orthopedic surgeon or                                               extensive library catalogue of safety and         the Ergonomic CD series, contact Tracie
computer users experienced the condition               produces the numbness and pain associated        physical therapist who specializes in hand and     Improve your posture. The            health videos to the Internet. From the           Shimatsu at tshimatsu@hemic.com.
at frequencies comparable to the general               with the condition.                              nerve problems. Electromyography and nerve         tendency to roll the shoulders       HEMIC.com homepage, navigate to                      To find out about our safety seminars,
public.) Carpal Tunnel Syndrome is now the                 The earliest symptoms may be intermit-       conduction studies may help to locate the          forward shortens the neck and        Safety/Videos to see a list of available titles   navigate to Safety/Seminars from the home
most common nerve problem affecting                    tent numbness in the hand while writing,         problem and determine its severity. Fortu-         shoulders muscles, compress-         and their lengths. Our library has been           page. There you’ll get a complete descrip-
peoples’ hands.                                        driving, holding a book or when typing. You      nately, for most people who develop carpal         ing nerves in the neck. This, in     recently updated and includes over 140            tion of each of our 11 Loss Prevention
    It can affect almost anyone, but the               may wake up with your hands feeling numb         tunnel syndrome, proper treatment usually          turn, can affect the wrist,          videos that range from 5 to 20 minutes in         Seminar modules. Then you can click on
                                                                                                                                                           fingers and hand.                     length. We encourage members to borrow            your Island to find out when the module is
majority of sufferers are women between 40             or painful or start to drop small objects from   can relieve the pain and numbness and restore
and 55. Women are 3 times more likely to               your hand. Sometimes the sufferer feels          normal use of the wrists and hands.                                                     the videos and organize viewings for man-         scheduled for your area.
                                            HEMIC
                                            F R A U D H OT L I N E
                                            If you suspect an employee or co-worker is
                                            re c e iv i n g wo r ke r s ’ c o m p e n s a t i o n b e n e f i t s
                                            due to a fraudulent claim, call the hotline
                                            t o d a y. A l l c a l l s a r e s t r i c t l y c o n f i d e n t i a l .

                                               On Oahu Call                     Neighbor Islands Toll Free
                                             522-5279                          1-888-522-5295




Protect your business and your employees.
Report all injuries within 24-hours.



                                                                                                           PRESORTED
  Hawaii Employers’ Mutual                                                                                  S TA N D A R D

  Insurance Company, Inc.                                                                              U . S . P O S TA G E PA I D
                                                                                                         HONOLULU, HI
                                                                                                        PERMIT NO. 564

  1001 Bishop Street,
  Pauhai Tower, Suite 1000
  Honolulu, Hawai‘i 96813

  Mailing Address:
    HEMIC
    P.O. Box 3376
    Honolulu, Hawai‘i 96801

  Island of O‘ahu:
    Tel: (808) 524-3642
    Fax: (808) 522-5855

  Neighbor Islands:
    Toll Free: 888 292-3642
    Toll Free Fax: 888 686-5510