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EAPs help limit behavioral exposures. (Risk Management).

Publication: National Underwriter Property & Casualty-Risk & Benefits Management
Publication Date: 12-AUG-02 		Format: Online - approximately 1333 words
Delivery: Immediate Online Access
Full Article Title: EAPs help limit behavioral exposures. (Risk Management).(employee assistance programs.)(Brief Article)

Article Excerpt
An undiscovered partner exists to help employment practices liability and other property-casualty insurers reduce the likelihood of claims caused by management missteps and problematic employee behavior-traditional employee assistance programs.

Traditional EAPs can penetrate organizations and target their "behavioral risks" with ongoing programs of prevention and intervention strategies that reduce a corporate customer's exposure to loss.

However, many EAPs are not up to the task because they have changed over the past 20 years, which explains why you may have missed them as a potential element of your risk management strategy or product line.

Things, however, are changing.

A movement is afoot to re-engineer and promote EAPs and their original risk manage]nent focus that may attract p-c insurers,. Many EA professionals are seeking to extricate the EAPs from the grips of managed care, which snatched them up as gate-keeping mechanisms to manage behavioral health care costs in the 1980's. A brief history of EAPs explains more.

Officially, EAPs sprang to life in 1969 when a large western copper mining company began a program to reduce costs associated with troubled employees. All kinds of troubled employees--from those with absenteeism problems to alcoholism to supervisors with perilous supervision practices. Over time, the...

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