Prevention and early intervention in South African disability claims management: The private insurer perspective

Work. 2023;75(2):577-590. doi: 10.3233/WOR-211384.

Abstract

Background: Current available literature lacks a focus on the prevention and early intervention stages of the disability claims management process within the South African context.

Objective: This study aimed to identify fundamental principles to be applied during the prevention and early intervention stages of the disability claims management process within South Africa.

Methods: A qualitative explorative design with a purposive sampling technique to identify stakeholders. Data were collected fromn = 26 stakeholders using virtual semi-structured interviews. Inductive analysis was used to establish fundamental principles for promoting success in applying a prevention and early intervention approach.

Results: Four fundamental principles were identified: stakeholder communication and education, stakeholder collaboration, support, and buy-in, early identification and early intervention. The literature, data and themes were used to inform development of a prevention and early intervention disability model as well as an employee health and productivity continuum. Analysis of the results showed that achieving and maintaining employee health and productivity is a complex goal. However, a prevention and early intervention approach is beneficial in decreasing the likelihood of ill-health progressing to short or long-term disability absence.

Conclusion: This study has proposed a prevention and early intervention model for a disability that may be applied to the employee health and productivity continuum in an attempt to mitigate the risk of ill-health and disability occurring and if they do occur, to decrease the length of time that the symptoms impact an employee's productivity at work.

Keywords: Health continuum; ill-health and incapacity; insurance claim; presenteeism; prevention; wellness.

MeSH terms

  • Disabled Persons*
  • Humans
  • Insurance Carriers*
  • South Africa