Post-holiday depression, respiratory illnesses and fractures mean a flurry of short-term disability claims in January, according to a new study from The Hartford.

Analysis of more than one million short-term disability claims over the past five years found that claims were at their lowest level overall in November and December, but then spiked after the New Year.

"The holiday season can be a stressful time of year. But studies show that most Americans are happy when they're celebrating with family and friends," said Glenn Shapiro, vice president of claims for The Hartford's Group Benefits Division. "Our claims records back that up. Depression claims drop to their lowest point in December and then climb in January."

Claims due to respiratory illnesses soar in January and peak in February, according to The Hartford.

"Everyone knows wintertime is cold-and-flu season. But our research shows respiratory illnesses are not to be taken lightly. They keep many workers off the job, making this a major concern for the financial health of businesses, too," Shapiro said.

Overall, accident-related disability claims peak in the summer. But there's another spike in January for workers in the Northeast and Midwest, which is associated with winter conditions in those areas.

"Inclement weather is a key factor that makes these two regions disability danger zones during the winter," Shapiro said. "Basic safety precautions can help prevent most of the accidents and injuries that can happen. We encourage residents in these two regions to exercise extreme caution while traveling during storms and use the appropriate protective gear for winter sports at all times, such as wearing a helmet when skiing."

So how can employers help? The Hartford offers these tips:

Don't let stress drain productivity. Provide employees with coping techniques and tools, such as an Employee Assistance Program. You'll also find stress tips on The Hartford's Group Benefits Website such as staying active even during this frigid time of year.
Avoid confusion about absences. Ensure your team is familiar with key company policies on topics, such as storm closings and telecommuting.
Get ready. Arm your workforce with information about disability benefits, just in case they experience a disabling injury or illness this winter. The Hartford's research has found troubled economic times are a great time for employers to emphasize income protection. Workers can estimate their coverage needs at TheHartfordatwork.com, and employers can prepare by having plans to accommodate recuperating workers.

Instant Insights /

New Year signals flood of disability claims

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