This document discusses return to work (RTW) in Finland. It outlines the various actors involved in RTW, including citizens, municipalities, employers, insurance companies, hospitals, and research institutes. It also describes how the RTW environment has changed over time, such as a 2005 amendment that transferred total treatment costs to insurance companies and a recent focus on faster rehabilitation. Traditional and new customer-centered treatment models are presented, with the new model aiming to get customers healthy and back to work more quickly through a coordinated process.

1. Finnish environment for RTW
Geneva 24.6.2014

2. This is LocalTapiola
• A Finnish and solvent group of companies offering services to private
persons, farms, entrepreneurs, companies and organizations
• 1.6 million owner-customers
• All non-life insurance, life insurance, pension insurance and investment
products and services under one roof as well as employee pension and
banking services through our cooperation partners.
• Services offered by 20 regional companies
• History stretches back to 18th century and business has always been based
on mutuality.
Read
more

3. Finnish actors around RTW
Citizen
Community
Municipality
Employers
Government
Ministry of
Social Affairs
and Health
Insurance
companies
Life, non life &
pension, social
insurance
Service
providers
Social and
Health sercices
Rehabilitation
Private & public
hospitals
Occupational
heatlh care
TTL
Finnish Insitute
of Occupational
Health
National
Institute for
Health and
Welfare
Federation of
Accident
Insurance
Institutions
Universities and
other research
insititutes

4. Past changes in RTW environment
24.6.2014
© LocalTapiola / Juho Vilokki
1.1.2005
Amendment
Total Cost of
treatment to
insurance
companies
Changes in
economy
1990-1993
2008 -
Customer in the
middle. Faster
treatment
Focus on
rehabilitation
30 – 60 – 90

5. Traditional treatment chain
24.6.2014
© LocalTapiola / Juho Vilokki
Nurse Doctor Surgeon Fysiotherapist

6. Customer in the middle health care model
Customer
Receptionist,
nurse
Doctor of
occupational
heath care
Surgeon
Fysiotherapist
Return to
work
coordinator
Claims
handler
24.6.2014
© LocalTapiola / Juho Vilokki

7. Return to work focused treatment chain
Covering letter Picturing
Operation
decicion
Rehabilitation
begins
Operation
Control
Rehabilitation
Return to work
24.6.2014
© LocalTapiola / Juho Vilokki

8. Hospital run by insurance company
• Most of claims cost is caused by the loss of income
• Insurance companies intress is to get customer healthy and back to
work as soon as possible
Win win situation:
• Patient gets high quality treatment fast and gets healty
• Employer mimizes absence days / costs
• Insurance company saves claims cost
• Community saves health expenditures and gets more taxe income
24.6.2014
© LocalTapiola / Juho Vilokki

9. Changes in the future around RTW
24.6.2014
© LocalTapiola / Juho Vilokki
1.1.2017
Social welfare
and health care
reform
Adequate
population base
for integrated
services
Knowledge
management
Automation
Outcome
focused case
management
by MDT
Prevention and
safety
From illness to
health
From disability
to ability