Workplace Accident Insurance Blueprint



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workers compensation claims for

personally-generated body system dysfunctions


  Click here to download your copy of the Workplace Accident Insurance BluePrint.  


One of the great work health and safety dilemmas is how to successfully deal with a workplace accident insurance scheme that has, over the years segued into a personally-generated body system dysfunction rehabilitation and income protection scheme.


We’ve reached the point where in many industries, despite a very low number of accidents, workers compensation claims and premiums continue to rise. In fact we’ve reached the point where claims relating to poor health now exceed claims relating to poor safety.


Think about it: how can anyone injure themselves sitting in a cage 2m square typing letters and answering the phone – or turning a steering wheel? These are the safest workplaces yet to be invented


The implications arising from this shift in focus have been widespread:



There is no longer an expectation that people will keep themselves in such work-fit condition, that their body will not breakdown under the normal strains of the job they are doing.




We’ve reached the point where there is an expectation amongst some employees that the cost of therapeutic treatments for non-accident-related joint and muscles pain – and stress - will be automatically borne, not by themselves, (Medicare and private medical insurers) but by their employer.




We’ve removed from individuals the expectation that they, themselves, are able to maintain their bodies in work-fit condition without recourse to expensive medical and quasi medical and passive therapeutic interventions.




We’ve created the expectation that people with such epic ‘injuries’ as a herniated disc, will be placed on the receiving end of a grandiose therapeutic and retirement benefit scheme. Who wouldn’t like $500,000 as compensation for herniating a disc while lifting a box of files out of the boot of their car?




We’ve been reliant on a medical industry that has a chequered record in

•  diagnosing causation of personally-generated body system dysfunctions
•  prescribing treatments that restore poor function to good in a timely and

    cost effective manner.




As a species we haven’t yet cottoned on to the fact that only on the rarest of occasions can fitness-generated problems be successfully treated by pharmaceutical and manipulative therapy.




When it comes to measuring and managing risk, many corporate organisations have been asleep at the wheel, exposing themselves to all manner of unjustified workers compensation claims.




People are only too willing to blame their employer for the cause of their stress when likely as not the stress has been generated by multiple factors, not least the quality of their own thinking and their level of emotional resilience.




The workers compensation system has spawned armies of lawyers who have divided themselves into two groups, those smart enough to win compensation payouts and those with an inability to successfully defend them.




The judicial system has made an ass of itself awarding grandiose compensation payments to people in just plain bad shape.


Organisations need to be thankful that more people don’t lodge workers compensation claims, particularly when our surveys show that around 50% of people rate the current condition of their musculo-skeletal system at 5/10 or worse.


Click here to download your copy of the Workplace Accident Insurance BluePrint.