America seems to be in the midst of a sea change about the concept of personal responsibility.

The latest reminder was the audience response to questions posed to Presidential candidate Ron Paul by moderator Wolf Blitzer at a recent GOP Presidential debate.

Should an uninsured 30 year old with a treatable condition who chose not to have health insurance die? Paul insisted that charity would step up to the plate, but some in the crowd cheered “let him die”: … about-sick

In most liberal political philosophic traditions, the common good is best served by social services that fill the void even where individuals make poor choices by design or by default.

The unspoken truth to the Blitzer hypothetical was that as many as half of the population has no health insurance. This includes many who would like to have it but either can not qualify because of preexisting exclusions or who can not pay the premium.

It’s not hard to imagine that many of those attending would have cheered
“let him die” even if he had been trying to get insurance.

We’re in an era where the people who grabbed lifeboats from the Titanic feel very superior to those who who were not so agile or lucky.

Many of those in the lifeboats, of course, see a populace that is infantilized, expecting some drug to cure them or some program to address their needs. And many of those with chronic needs are seen as having contributed little to the public weal or as having weak ties to the labor market.

But here in the blog let’s not get mired in the ongoing national debate about the role of government and the individual. I’m fond of musing about the interplay between larger political and societal trends and workers’ comp, but lets’ not get too far afield today.

Back to our workers’ comp world.

In workers’ comp benefits are guaranteed. An inept employee who heads right into a buzz saw will receive guaranteed benefits, including medical treatment, temporary disability monies and a financial settlement depending on the degree of the injury.

In our world employee fault is irrelevant. Co-factors such as smoking, dietary habits, obesity, and other co-existing health conditions may impact the worker’s recovery and impact the eventual extent of disability.

There’s increasing awareness that many of these problems can increase the cost of claims, affecting the cost of claims.

But there’s little attention paid in workers’ comp to the concept of personal responsibility.

If you’re an attorney, getting a weight loss program for a client authorized is often a major fight. If a client is motivated and wants to go to a gym to get in shape, that’s often seen as a personal choice rather than a medical necessity.

So the lines are blurred in workers’ comp. What is personal responsibility?
And even if some of these things are personal responsibility, is it in the carriers’ financial interest to help?

If you’re interested in delving more into different viewpoints on the Ron Paul response to Blitzer, here are 2 different viewpoints:

First, New York Times columnist Paul Krugman: … o-die.html
Second, a response from a blog sympathetic to Ron Paul: … -target-rp

Stay tuned.

Julius Young

Governor Jerry Brown was quoted this week as saying “I’m going to veto a lot of bills over the next 30 days,”

“So I have to say to some, fasten your seat belt cause this is going to be a rough ride. They’ve given me 600 bills and there’s not 600 problems that we need those solutions for,” Brown said.

Will that include workers’ comp bills?

Many of the bills headed to Brown’s desk involve modest changes that would round off some of the sharp edges of the Schwarzenegger reform years. Brown may be loathe to cross labor and injured worker advocates who worked on the bills. And many of the bills appear to be good from a policy standpoint.

Further, if Brown does veto some or all of the bills, it’s unlikely that doing so will give him any significant bargaining chips with a Republican legislative minority that has been almost totally uncooperative with his efforts on the states fiscal crisis to date.

On the other hand, Brown is nothing if not unpredictable. He is likely concerned about any possibility that workers’ comp costs will spiral at a time when the economy is weak. He may be concerned about perceptions
about the comp system generally. Workers’ comp was never a happy issue for Brown.

Workers’ comp never surfaced as a significant issue in the race against Meg Whitman. Aside from some vague comments at occasional fundraisers, I’m not aware of any promises Brown made to any stakeholder groups on workers’ comp.

That’s what may make his action on the various bills interesting. If there are vetoes it may give us a sense of what Brown is prepared to do with comp overall…whether he is engaged or disengaged on the issues….whether he would encourage stakeholders to reach a more grand compromise on issues involving benefits and cost containment, etc.

I could be way off the mark, but I suspect we’ll see a mixed result. Some signings and some vetoes. That’s my sense of it.

Here is a link to a post by Wyatt Buchanan in the San Francisco Chronicle, discussing Brown’s veto pen: … y_id=97554

Here is a link to a post from last week discussing some of the bills: … 909-211653

Stay tuned.

Julius Young

The continuing narrative of the GOP both nationally and at the state level will be jobs, jobs, jobs. Whether President Obama can rise to the occasion with his soon to be announced jobs initiative remains to be seen. Jerry Brown unveiled a proposal this week, but that plan already appears mired in controversy: … -plan.html

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As late August torpor sets in, go make yourself a Negroni, put your feet up, fire up Horace Silver on the stereo and treat yourself to some of the latest stats from the good folks over at CWCI, the California Workers’ Compensation Institute. Today CWCI has released a new study on California workers’ compensation temporary

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If you read my last post you may be pouring over the WCIRB’s “rate filing” documents. But you can take the green eyeshades off for a moment. The conventional wisdom is that workers comp costs will remain flat. That’sthe assessment of the Sacramento Bee’s business writer Dale Kasler, who notes in a piece in The

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