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Jason Allison, GIO presents at OHS Leaders Summit 2013
1. 29 April 2013
The Momentum of the Ageing Workforce:
Implications of the Grey Wave &
Corresponding Mitigation Strategies
OHS Leaders Summit 2013
Prepared by Jason Allison
2. The ‘Grey Wave’ is coming!
The impact will be social, financial, physical and mental
Increased momentum in preparation and solution building is required
All stakeholders have an accountability - including ‘older workers’
2
3. Disproportionate growth in mature age population necessitates broad and
collaborative responses
Cause and Effect of the Ageing Population
Source: GIO Adaptation Based on The Australian Government the Treasury data
•Longevity
•Fertility
•Retirement
Factors Driving
•Workforce Growth
25%
•Age 65+ Growth
200%
Disproportionate
Growth
•Labour Market
•% Aged
•Revenue Base
•Barriers
Result in Challenges
•Academia
•Government
•Business
•Society
Necessitating
Responses
3
4. 4
An interview with Susan Ryan, Age Discrimination Commissioner
Necessitating Responses (Government) - The Momentum of the Ageing
Workforce: Implications of the Grey Wave & Corresponding Mitigation
Strategies
5. Necessitating Responses (Business) - Insurance Industry
Input into Government at both State and Federal level to ensure the insurance
industry perspectives and impacts are understood
Prevention and Injury Management strategies by insurers in partnership with
employers
Stronger engagement with stakeholders to influence the ‘mind shift’
Reasonably necessary treatment, effective treatment, baseline for pre-injury
functionality
Underwriting and claims practices need to account for impact
5
6. Chris McHugh, EGM Statutory Portfolio has
participated in the Consultative Forum on
Mature Age Participation advising the
Federal Government
Through involvement with Monash
University and the Older Workers and Work
Ability Conference, Suncorp is connected to
a global community of researchers and
subject matter experts in the field of work
ability and ageing workforce
Suncorp’s statutory business is participating
in a work ability survey – research funded
by NSW Department of Ageing – in which
our own staff will be surveyed and
appropriate recommendations incorporated
into our HR strategy
Major Sponsor Consultative Forum
Research Community
Work Ability Survey
Necessitating Responses (Business) - Activities being undertaken by
Suncorp / GIO
We’re being proactive in the face of shifting market dynamics
6
7. Necessitating Responses (Academia) - Latest research from academia
(representative samples)
Age management
The APS and its Ageing Workforce
Understanding the Future Separation Intentions and Behaviour of Older Workers in the APS
Incorporating Ageing into APS Human Capital Planning
Ageism in the labour market
Perceptions of Age and Aging among Managers and Employees in the New Economy: An International Case-Study of Information Technology Employment
Working against type: Stereotype threat effects on mature-age workers
Prolongation of working lives
Prolonging working life amongst rural older General Practitioners (GPs)
Securing The Future: Retention Of Older Healthcare Workers In Rural Victoria
Applying interventions to support the older residential aged care workforce
Work Ability and vocational training in the Health system
Skills maintenance and productivity
Career development and mobility management of older workers in Europe
Predictors of the ability for older workers to stay longer at work: findings from the Visat longitudinal study
How to Manage Aging Problems? ―Japanese Challenges to Make the Society More Productive
Tapping Mature Talent in the U.S.
Work ability over the life course
Age, work ability and work-related injury in Australian workers
The relationships between worker age, work-related injury and work ability in Australian workers
The impact of ageing on work-related injury and disease
7
13. 13
Importance of different elements of the model
Individual:
– Intrinsic benefits people derive from their work, such as social
contact, valued status and maintaining and extending abilities.
– Social support received from primarily co-workers, but also
immediate family and community.
– Psychological well-being and physical health.
– Employee awareness of occupational health and safety risks
– Work-life imbalances.
14. 14
Importance of different elements of the model
Organisation:
– Respectful treatment in the work place.
– Respondents’ assessment of their immediate supervisor, in terms
of their competence, the extent of career support offered,
communication and social support were important for determining
their level of work ability.
– Experiences of discriminatory behaviours.
– Extent of autonomy and control employees have in their work.
15. 15
Factors associated with low work ability
Factors that predict the lowest levels of work ability include, in order of
importance:
– Negative evaluations of co-worker competence
– Being a machinery operator or driver
– Being in clerical or administrative roles
– Reporting a mental disease
– Having a wound, laceration, amputation or internal organ damage
– Having an infectious or parasitic disease
– Shiftwork
– Low household income
– Lack of access to flexi-time work arrangements.
16. Work ability negates the influence of some
demands on psychosocial work factors
Outcome Factor Work Demand Types
Personally
meaningful work
Job design
Work pace
Cognitive
demands
Emotional
demands
Task demands
Excess workload
Job satisfaction
Job insecurity
W
O
R
K
A
B
I
L
I
T
Y
18. 18
Utility of the work ability construct
Driven by economic imperatives to contain costs arising from population
ageing, governments internationally are aiming to increase participation
by older workers.
Consensus that tackling the issue requires multi-faceted and integrated
strategies.
Work ability construct and a framework for its workplace promotion
offers such an approach.
Sustaining high levels of workforce participation by older workers will
depend in part on efforts to ensure that work ability is maintained over a
working life.
20. References
McInerney, Andrew, An Ageing Workforce and Workers’ Compensation-
What are the implications in particular with an increasing national
Retirement Age, Institute of Actuaries of Australia
http://www.abs.gov.au/
AGEING WORKFORCE REPORT, May 2007, WorkCover NSW
http://www.centrelink.gov.au/internet/internet.nsf/individuals/ssp_age_pensi
on.htm
McInerney, Andrew, An Ageing Workforce and Workers’
Compensation, Journal Vol.33 No.02,
From Research to reality - Volume 12/Number 2, 2009
MJA 2008; 189 (8): 447-450
Business Work and Ageing: Work Ability Program, Swinburne University of
Technology
www.theinstitute.com.au
http://www.centrelink.gov.au/internet/internet.nsf/individuals/ssp_age_pensi
on.htm
http://www.fordhealth.com.au/Newsletters_hb/feb08_managing_ageing_wor
kforce.php
http://www.aarpinternational.org/conference_sub/conference_sub_show.htm
?doc_id=1415966
Urban, Eva, Workers Compensation and An Ageing Workforce ,SPUM
article for Veracity May 2010, P6
Realising the Economic Potential of Senior Australians: Turning Grey into
Gold - The Advisory Panel’s third and final report delivered December 2011
http://www.treasury.gov.au/EPSA/content/publications/grey_gold/downloads
/grey_gold.pdf
Ageing and the Barriers to Mature Age Labour Force Participation in
Australia - A report of the Consultative Forum on Mature Age
Participation, December 2011
20
Realising the Economic Potential of Senior Australians - The Advisory
Panel’s first report delivered August 2011
Realising the Economic Potential of Senior Australians: Enabling
Opportunity - The Advisory Panel’s second report delivered November 2011
Realising the Economic Potential of Senior Australians: Turning Grey into
Gold - The Advisory Panel’s third and final report delivered December 2011
The Older Workers and Work Ability Conference: Program and
Presentations – Latest research on workforce ageing from leading experts in
Australia and internationally, December 2011, including Juhani Ilmarinen /
Finnish Institute of Occupational Health / Professor Philip Taylor / Monash
University http://owwac.com.au/index.php
National Seniors Australia, Productive Ageing Centre, 2009
Suncorp Life Insurance (survey) and APIA (survey)
Institute of Actuaries of Australia White Paper: Australia’s Longevity
Tsunami, August 2012
Suncorp interview with Susan Ryan, Age Discrimination
Commissioner, 2012
http://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/4102.0Main+Features
40March+Quarter+2012
http://www.eurofound.europa.eu/publications/htmlfiles/ef0639.htm
http://www.eurofound.europa.eu/research/0296.htm
http://capricorn.bc.edu/agingandwork/database/search/case_study
21. Contact Details
For further information please contact:
Jason Allison
Chief Workers Compensation Underwriting & Portfolio
Statutory Portfolio & Underwriting Management, Commercial Insurance
18 Jamison Street, Suncorp Place, Sydney NSW 2000
Telephone: +61 (0) 2 8121 0614
21
23. Adjustment of
physical work
environment
Adjustment of
psychosocial
work environment
GOOD WORK ABILITY, HEALTH
AND COMPETENCE
GOOD PRODUCTIVITY
AND QUALITY OF WORK
GOOD QUALITY OF LIFE
AND WELL-BEING
GOOD RETIREMENT,
MEANINGFUL, SUCCESSFUL,
AND PRODUCTIVE
'' THIRD AGE ''
Professional
competence
Health
functional Capacities
Finnish Institute of
Occupational Health
24. 24
What affects workability?
• Individual : health, functional capacity, competences,
attitudes.
• Workplace : physical, technological, mental and social
demands of work, work community and management,
organisational culture, and work environment.
• Societal, such as employment and education policies,
social and health services, and addressing age
discrimination.
25. Workability promotion
Based on: adjustments to physical and psycho-social work
environment; promoting health, lifestyle; and updating skills
e.g.
reducing repetitive movements
changingsupervisors’ attitudes, and
increasing vigorous physical exercise
Predict better workability in physical, mixed and mentally
demanding work.
Promoting workability reduces
absenteeism
disability
premature retirement
and increases productivity, competence, life quality and well-being,
effects which carry over to retirement.
26. 26
Redesigning Work for an Ageing Society – intervention
study 1
Staff of a company providing road-side assistance to drivers
Response rate 49 per cent (59 of 119 employees)
Key recommendations:
– Health promotion (obesity, low up take of existing initiatives, low
frequency reports of poor health and work related health problems)
– Development and utilisation of skills (respondents reported mismatch
between skills and job demands)
– Injury and hazard exposure (Avoidable and unavoidable injury risks
identified by respondents)
– Management relations (disjunction in communication and relations in
the organisation)
– Flexible work (Respondents highlight flexibility as key to prolonging
working life)
27. 27
Redesigning Work for an Ageing Society – intervention
study 1
Participants undertook over 6 months:
daily monitoring of diet,
exercise
tobacco use, alcohol use and other health factors
structured ‘Get healthy challenge activities’
WAS demonstrated statistically significant improvement
Physiological measures improved
Weight, BMI and waist circumference.
28. 28
Redesigning Work for an Ageing Society – intervention
study 2
Staff of small national University in Australia
47 per cent (618 of 1300 employees)
Key recommendations:
– Health promotion (‘sedentary’ staff at risk, notable absence of health
and well-being programs engaging the entire workforce)
– Career planning/training integration (retention rates improved with the
provision of training for younger workers more than older workers)
– Knowledge transfer (formalising mentoring as part of phased
retirement)
– Workload pressures (large proportion of staff reporting extreme work
load pressure creating risk of physical and psychological ill health)
– Everyday discrimination (Low frequency but high impact on WA scores)
– Retention related to; flexibility, management support, training, challenging
but not excessive work demands
29. 29
Redesigning Work for an Ageing Society – intervention
study 2
Staff aged over 45 participated in ‘Walking to wellness’ program
Pedometers used to track step counts on work days
Physical activity increased significantly for training compared to
control group
Results confounded by concurrent organisational changes
Qualitative and anecdotal evidence suggested restructuring created
uncertainty among participants
No statistically significant improvement in WAS
Statistically significant reduction in average waist circumference of
approximately two centimetres.
30. 30
Promotion of work ability: integration of actions
20
25
30
35
40
45
50
40 45 50 55 60 65
Age (yrs)
Health promotion,
Ergonomics,
Management training
Health promotion
No action
Work Ability Index
(WAI)
Notas del editor
The Grey Wave is coming ... Tsunami warnings!Advisory Panel on the Economic Potential of Senior AustraliansWHAT OPPORTUNITIES FROM AGEING HAVE YOUR COMPANIES CAPTURED OVER THE PAST YEAR?
We can identify key factors driving the ageing workforce ... amongst them are: - Increased longevity – people are living longer I’ll talk more about this later - Decreased fertility – fewer births - Baby Boomers retiring – a natural generational effectThe percentage of the population considered “in the workforce” is projected to grow by only 25% ... compared to a projected 36% growth in the overall population.In fact, as the workforce increases by a further 25% over the next 4 decades more than 200% growth is expected for workers aged 65 years and overWhat does this mean? Put simply, it means disproportionate growth in the mature age population and increased pressures forthcoming on businesses, Government, individuals and the community / society.These looming pressures necessitate broad and collaborative responses.
So what does an ageing workforce mean from the Government’s perspective? Recently Chris McHugh, Suncorp’s EGM for Statutory business, interviewed the Age Discrimination Commissioner …I thought you might find the interview with Susan Ryan to be valuable and on-topic … it runs for about four minutesSo, what did you take away from the interview? Did it provoke any questions for you?
It is not our intent as an insurer to respond to the challenges by simply increasing prices. This will have a wider impact on the economy and will place pressure on businesses.If the costs can be well anticipated and mitigated as best as possible, and with the involvement of all stakeholders, then the viability and financial strength of workers compensation schemes will continue.If not managed appropriately we may experience schemes, insurers and employers under distress due to spiralling workers compensation costs.
As Australia’s largest and leading personal injury insurer, Suncorp is serious about understanding the nature of these demographic changes, their potential social and economic impacts, and the need for increased momentum from stakeholders in responding to these shifting market dynamics.There are a number of actions we’ve already undertaken in relation to the issues related to the ageing workforce: - Suncorp has sponsored the Older Workers and Work Ability Conference (December 2011) - Chris McHugh, our Executive General Manager –Has participated in the Consultative Forum on Mature Age Participation advising Federal Government - We have established connections with a range of global researchers and subject matter experts - We have agreed to participate in a Work Ability Survey of our own employees in the Statutory business ... Working with Monash , Uni. This survey commenced March ’12and we’re looking forward to better understanding the Work Ability opportunities which may exist for our staff and our business. Recommendations arising out of this survey will be considered for incorporation into our Human Resources strategy and shared with our customers.AMES – Australian Migrant English Services (OHS module into Cert IV)Most recently … Suncorp has become a Corporate Champion in the Department of Education, Employment and Workplace Relations (DEEWR)’s Corporate Champions Program – project aims to attract employers who make a public commitment to move toward better practice in employing mature age people (aged 45 and over). This program is an Australian first. NEED UPDATE FROM CHERIE ON WORKABILITY SURVEY, HR STRATEGY, AND DEEWR CORPORATE CHAMPIONS PROJECT!We are participating in a Work Ability Survey conducted by Monash University with a portion of our staff. Up to 1,000 employees responded to the survey. Our score was xyz, which is considered to be ‘high’ relative to other corporates being surveyed. We’re incorporating recommendations into our HR strategy – specifically, …Finally, we are participating in DEEWR’s Corporate Champions Project, which will provide funding for implementation of recommendations coming out of the WAS.
We have provided a hyperlink to a relevant suite of the latest research on these topics ... Source: Individual authors/researchers from various institutions presenting at The Older Workers & Work Ability Conference.
The impact of the ageing workforce is with us now and is only going to become an increasing risk to manageAll stakeholders need to take accountability and immediate actionIt is important to stay abreast of ongoing shifting market dynamics You now have access to world leading academic research and models to start taking action and/or improving on current initiatives