CMSA Today - Issue 4, 2017 - 22

first remedy the workers' compensation system. It was conceived as
a no-fault means of assisting injured workers through the course of
their medical treatment and planned return to work with financial
support of their employer. Workers' comp has become an adversarial
and highly litigious system.
Your own case management clients may have come through this
system-with the scars to prove it. Rather than medically treating
and returning the injured worker to work through costly private
vocational rehabilitation services, the workers' compensation system
incentivizes employers to reduce their losses by transitioning the
worker out of employment. At the same time, it incentivizes injured
and disabled workers to litigate and leave employment.
For injured workers, the financial settlement from workers' compensation litigation typically is not sufficient to sustain them for more
than a short time. This is why many case managers make sure they
have appropriate levels of personal disability insurance benefits to
avoid the situation of so many clients.
Applying for Social Security disability benefits often is the course
of action recommended by private, state and federal disability programs to those with what is known as a "permanent and partial"
or "permanent and total" disability. Those classified as permanently
disabled because they are unable to perform their usual employment often interpret this as the end of the road for their work life.
However, in many cases, nothing could be further from the truth.
Your disability may not be covered under workers' compensation.
However, if it is, you will have additional factors to consider with
SSDI. Social Security disability benefits can be reduced when an
individual receives workers' compensation if the total of the SSDI

benefits (including dependent's benefits) and the workers' comp
benefit exceed 80 percent of the disabled worker's average current
earnings before becoming disabled.
In certain states, known as reverse offset states, workers' comp
will be reduced if the SSDI, dependent's benefits and workers'
comp benefit exceeds 80 percent of pre-disability income. Offset
provisions are based on the state in which you were injured, not
the state of residency. With this in mind, however, SSDI benefits still provide critical long-term benefits and important incentives for those motivated to return to work when they reach
medical stability.
SSDI ADVANTAGES, DEFINING DISABILITY
& PATIENT EVALUATION
Case managers should become informed about understanding the full range of benefits provided by the SSDI program. This
knowledge has helped many who are on the fence about seeking
SSDI. Benefits include:
1. Monthly income. Calculated on earnings and contributions.
2. Healthcare insurance. Eligible for Medicare 24 months after
cash SSDI benefits begin.
3. Cost-of-living adjustment (COLA). Annual increase when
federal COLA is enacted.
4. Protected retirement benefits. A lesser-known feature of
SSDI is the retirement freeze. Someone who quits work and
doesn't apply for SSDI will see those years of having zero dollars
in earnings calculated into their retirement payment; possibly
leading to a much lower retirement benefit.

Make it Count at Genex
Recognized for our career-building culture, Genex is the place where
professionals are validated for their accomplishments and the lives they
improve on a daily basis. We invite you to explore opportunities that
utilize your talents at a company that thrives on teamwork and diversity.
We are looking for:
Utilization Review Nurses (RNs)
Field & Telephonic Case Managers (RNs)
Vocational Counselors/Case Managers
Sales Professionals

To view a listing of opportunities
in your area please visit our website at
genexservices.com/careers
Genex Services, LLC offers equal opportunity to all persons
without regard to race, color, religion, age, gender, sexual
preference, marital status, national origin, political belief
or the presence of a non-job-related medical condition
disability. We proudly support diversity in our workforce.
M/F/D/V

22 772069_GENEX.indd
CMSA TODAY1

Issue 4 * 2017

10/8/15 12:25 AM


http://www.genexservices.com http://www.genexservices.com/careers

Table of Contents for the Digital Edition of CMSA Today - Issue 4, 2017

President’s Letter
Association News
CMSA Conference Supporters
CMSA Corporate Partners
Case Management at the Helm of Diverse America
Community Health Workers: A Key Role on the Collaborative Care Team
Ticket to Work: Strategies for Case Managers Who Face Work-Disrupting Disabilities
For Case Managers, Success Requires Mastering Today’s Challenges
Using a Patient Engagement Strategy to Help Care Managers Educate Patients at the Right Time—Before It’s Too Late
Index of Advertisers
CMSA Today - Issue 4, 2017 - Intro
CMSA Today - Issue 4, 2017 - cover1
CMSA Today - Issue 4, 2017 - cover2
CMSA Today - Issue 4, 2017 - 3
CMSA Today - Issue 4, 2017 - 4
CMSA Today - Issue 4, 2017 - 5
CMSA Today - Issue 4, 2017 - President’s Letter
CMSA Today - Issue 4, 2017 - 7
CMSA Today - Issue 4, 2017 - Association News
CMSA Today - Issue 4, 2017 - 9
CMSA Today - Issue 4, 2017 - CMSA Conference Supporters
CMSA Today - Issue 4, 2017 - CMSA Corporate Partners
CMSA Today - Issue 4, 2017 - Case Management at the Helm of Diverse America
CMSA Today - Issue 4, 2017 - 13
CMSA Today - Issue 4, 2017 - 14
CMSA Today - Issue 4, 2017 - 15
CMSA Today - Issue 4, 2017 - Community Health Workers: A Key Role on the Collaborative Care Team
CMSA Today - Issue 4, 2017 - 17
CMSA Today - Issue 4, 2017 - 18
CMSA Today - Issue 4, 2017 - 19
CMSA Today - Issue 4, 2017 - Ticket to Work: Strategies for Case Managers Who Face Work-Disrupting Disabilities
CMSA Today - Issue 4, 2017 - 21
CMSA Today - Issue 4, 2017 - 22
CMSA Today - Issue 4, 2017 - 23
CMSA Today - Issue 4, 2017 - 24
CMSA Today - Issue 4, 2017 - For Case Managers, Success Requires Mastering Today’s Challenges
CMSA Today - Issue 4, 2017 - 26
CMSA Today - Issue 4, 2017 - 27
CMSA Today - Issue 4, 2017 - Using a Patient Engagement Strategy to Help Care Managers Educate Patients at the Right Time—Before It’s Too Late
CMSA Today - Issue 4, 2017 - 29
CMSA Today - Issue 4, 2017 - Index of Advertisers
CMSA Today - Issue 4, 2017 - cover3
CMSA Today - Issue 4, 2017 - cover4
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