Category: Simple Concepts by Bill Zachry

Permanent Disability (PD) is a defined workers' compensation benefit and a critical medical and legal concept. It represents indemnity payments for lasting physical or psychological restrictions resulting from work-related injuries or illnesses. PD is central to the workers' compensation system, compensating for  the loss of a body part (or its function) or the diminished ability to earn income after reaching Maximum Medical Improvement (MMI). Despite its importance, the definitions and…

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The Freeway's Ghost: A Pragmatist's Reckoning with the Remote Work Revolution For years, California freeways told the story of the American workweek. Monday mornings meant the grind was beginning, and Friday afternoons signaled the great escape. From my office, I had a direct view of the freeway leading through the Central Valley of California to the Sierras and, ultimately, Lake Tahoe. Every Friday after one o'clock in the afternoon, that…

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A Crisis of TrustTrust in the medical system has long been a fragile commodity in workers' compensation. Unlike private healthcare, where patients select their providers and develop long-term relationships with physicians, injured workers often find themselves assigned to doctors they do not know and may not trust. This lack of choice, combined with the perception that medical providers serve the interests of employers and insurers rather than the patient, creates…

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The Transformative Impact of Positive Expectations A powerful kindergarten experience illustrates the profound influence of positive expectations. A young boy, who was just three and a half years old, had been identified as needing special education services. He received the services for several years. When he started kindergarten, his teacher took a unique approach. She talked to her mother about setting expectations on the first day of school and was…

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Temporary Disability (TD) is a crucial benefit designed to replace lost wages for injured workers during their recovery period when they cannot return to work due to an industrial injury.  Because many workers live paycheck to paycheck, it is paramount that the TD be paid on a timely and accurate basis.  Paying TD accurately and timely is more complicated than most people realize. Complicating factors include multiple employers, overtime scenarios,…

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During my early career as a claims adjuster, the industry was focused almost exclusively on providing prompt, accurate indemnity benefits to injured workers. Success was measured by speed and accuracy in benefits provision, with little emphasis on the worker’s psycho-social needs or the long-term recovery journey. Over time, however, the industry evolved toward a model of “advocacy,” prioritizing quality medical care to improve outcomes and reduce claim costs. This shift…

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Introduction Medical care is the cornerstone of the entire system.   Workers’ compensation is an administrative benefit system for individuals injured at work. Among its benefits, medical care is the most vital for achieving optimum recovery and the most expensive benefit. This paper aims to increase the participants’ understanding of the system by listing my axioms and observations regarding medical care within the workers' compensation system. Core Axioms of Workers' Compensation…

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Introduction A fundamental axiom of workers’ compensation medical care is; “Better outcomes result when patients are actively engaged in their recovery.” Informed consent and consensus-driven care ensure that individuals understand their medical treatments, including the risks, benefits, and alternatives, empowering patients to make informed decisions. This paper explores the concept of informed consent, its application in pharmacy versus other medical care, consensus-driven medical treatment, special considerations for diverse populations, barriers…

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During my tenure as the risk manager at Safeway, our managed care team achieved what many considered impossible: a forty percent reduction in overall workers' compensation spending. This extraordinary accomplishment was made possible through the implementation of the Örebro questionnaire, a tool designed to identify injured employees who were “at risk for delayed recovery.” By addressing the unique challenges faced by these workers—often rooted in stress, fear, or poor coping…

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During my early career as a claims adjuster, the industry was focused almost exclusively on providing prompt, accurate benefits to injured workers. Success was measured by speed and accuracy in benefits provision, with little emphasis on the worker’s long-term recovery journey. Over time, however, the industry evolved toward a model of “advocacy,” prioritizing quality medical care to improve outcomes and reduce claim costs. This shift toward advocacy has had a…

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