RTW Makeover: Mental Health Comorbidities

DMEC Staff

Mental Health Comorbidities Warrant Expert Advice

Mental Health ComorbiditiesBy Dr. Michael Lacroix

Associate Medical Director
Aetna Disability

You’ve no doubt heard that “the whole is greater than the sum of its parts.” That’s because the parts don’t just add up, they interact. This concept of interaction applies across many phenomena, from the sublime (a collection of atoms put together in the right way creates sentient beings) to cooking (a few ingredients mixed in the right way can yield a fabulous béarnaise sauce) to disability claims.

When it comes to disability, however, we often miss that concept of interaction. Whether the disability is occupational or non-occupational, the first question for most insurers and employers usually relates to the diagnosis. On the basis of that diagnosis, insurers set aside a claim “reserve” on the expectation that, for a particular diagnosis, the claimant will be away for X number of days, or weeks, or months, or years. But people are more than the sum of their constituent parts. And for many short-term disability (STD) claims, the primary disability diagnosis is joined by other problems or “comorbidities.”

Full content is available to DMEC members only. Please log in to view the complete resource.

If you are not a DMEC member, we encourage you to join. DMEC members have access to white papers, case studies, @Work magazine articles, free webinars, legislative updates, and much more. These resources will assist you in building an effective and compliant integrated absence management program, saving you time, resources, and money. Learn more.

If you are being asked to log in more than once, please refresh your browser.