Daniel Miller, Author at Insurance Thought Leadership




Daniel Miller

Daniel Miller

Dan Miller is president of Daniel R. Miller, MPH Consulting. He specializes in healthcare-cost containment, absence-management best practices (STD, LTD, FMLA and workers’ comp), integrated disability management and workers’ compensation managed care. He has more than 30 years experience in the employee benefits consulting industry as a healthcare, workers’ compensation, disability and absence-management consultant.

Miller has provided consulting services to numerous corporations, insurance carriers, third-party administrators, managed-care firms and governments, including AT&T, Black & Decker, RJR Nabisco, Kmart, McDonnell Douglas, Navistar International, Times Mirror, Domino’s Pizza, Los Angeles County, Prince William County, the state of Rhode Island, the Ohio Bureau of Workers’ Compensation, Travelers and Nationwide Insurance.

He served as a vice president at Aon Consulting, director of workers’ compensation and disability consulting at ASA, director of product development at CARESytems, national director of workers’ compensation managed care at Watson Wyatt and senior health care consultant at Frank B. Hall Consulting.

Miller was the co-chair of the AT&T FMLA task force, consisting of business units, HR, health affairs and legal departments. He was responsible for designing the training materials used throughout AT&T and served as senior consultant during the implementation of the outsourcing of the internal AT&T FMLA call center operations to Aon’s HR outsourcing division.

He was the lead consultant to the Ohio Bureau of Workers’ Compensation in the design of the Ohio Workers’ Compensation System Health Partnership Program (HPP) for state-fund employers and the Quality Health Program (QHP) for self-insured employers. While at Frank B. Hall, he designed and implemented the first employer-sponsored second surgical opinion programs in the U.S.

He is a frequent speaker and author of numerous workers’ compensation and healthcare articles that have appeared in such publications as Business Insurance, National Underwriter, Human Resource Executive, Medical Care, Benefit News Analysis, Spencer Research Reports, Employee Benefits Journal, Watson Wyatt Insights and the Frank B Hall Health Care Cost Containment Agenda.

He holds a B.S. in sociology from Northeastern University and a master’s degree in public health (MPH) from Columbia University. He completed his public health residency program at Cornell Medical College in New York City.

Recent Articles by Daniel Miller

On COVID Vaccine: Do the Math

The full FDA approval of the Pfizer vaccine is an enormous development in the fight against the COVID-19 global pandemic. Already, there has been a steady increase in the rate of daily vaccinations, though still way below what is needed to stop the surge of the Delta variant. I have been trying my best to […]

Can Schools Open Safely?

The question of whether schools should reopen has launched a raging controversy around the country, with widely held opinions on both sides.  Here, in my home state of New Jersey, which was in the epicenter of the pandemic back in April, Gov. Murphy announced that all schools should open with in-person classes capability, but quickly added […]

COVID-19 Impact on Child Vaccinations

A potentially devastating perfect storm is forming due a combination of COVID-19 fears and many parents now not getting their children wellness exams and routine vaccinations. The National Foundation of Infection Diseases has reported a 50% decline in well child office visits due to COVID-19 fears since the beginning of this pandemic. The World Health […]

Fixing the EMT Crisis in Rural America

What if you call 911 during an emergency medical situation and no trained emergency medical technician (EMT) and ambulance responds to the call? This scenario is a very real medical crisis facing rural America today. What if you are unconscious or extremely disoriented during a medical emergency when EMTs arrive? Virtually every emergency room physician […]

Top 10 Global Health Threats in 2019

The World Health Organization recently released its list of the Top Ten global health threats in 2019. Making that list is “vaccine hesitancy.” This includes parents who don’t get their children vaccinated from 100%-preventable, highly contagious diseases for personal liberty or religious reasons. Others include people who are simply too confused, too busy or badly […]

Workers’ Comp: Cost of Doing Business

Most employers, both large and small, consider workers’ compensation “the cost of doing business.” The vast majority of employers that are not covered under federal regulations such as the Longshore and Harbors Workers Act are 100%-controlled by individual state laws, court systems and dispute resolution procedures. The history dates back to over 100 years ago […]

How to Address the Caregiver Crisis?

First, the good news. Large employers are beginning to provide extended, paid family leave for employees who become full-time caregivers. This is a much-needed sea change in the evolving trend of providing family-friendly employee benefit programs. The bad news is that it is estimated that, by the year 2020, there will be 117 million Americans […]

Is Emergency-Room Overuse a Myth?

The conventional wisdom in the healthcare industry for decades was that emergency room use is often unnecessary and a waste of expensive resources. This view was firmly supported by a 1996 study reported in the New England Journal of Medicine that stated that it is widely believed that 50% of the 90 million emergency room […]

What Next for GOP Healthcare Plan?

The irony of all ironies. The GOP healthcare plan defeated by the GOP! And I’m glad, given all the well-documented problems with the bill. The Congressional Budget Office or CBO estimated that 17 million to 24 million Americans would lose their health insurance under the GOP repeal and replace plan. I would have been on […]

5 Breakthrough Healthcare Startups

The 2016 HITLAB Innovators Summit and World Cup was held once again at Columbia University in New York. There were 74 technology companies that entered the competition, and five finalists were selected. All of these startups that entered the competition and others that help sponsor this annual event have the potential to help improve the […]

5 Apps That May Transform Healthcare

The third annual HITLAB Innovators Summit and World Cup Competition will be held at Columbia University in New York on Nov. 29 to Dec. 1. This outstanding summit brings together the best and the brightest from the emerging healthcare technology industry, academia, medicine, public health and healthcare business leaders. This year’s summit is titled; “Opportunities and Obstacles in Digital […]

Diabetes: Defining Moment of a Crisis

We are in the midst of a global public health crisis. The prevalence, growth and wide-scale complications as a result of diabetes have been called the defining moment in the field of public health. Unless a widespread education and intervention campaign takes place, we are looking at a disaster. Currently, 30 million Americans, or roughly 10% […]

A Horror Story on Health Insurance

A few months ago, all I knew about glaucoma was that it was a disease of the eye and, by definition, couldn’t be a good thing. I have been wearing glasses since fifth grade and have been tested for glaucoma every time I got new glasses. I was always told that I had very healthy […]

Looming Caregiver Crisis in the U.S.

AARP’s Project Catalyst recently released a study in collaboration with HITLAB, the healthcare innovation and technology lab based in New York, that shows a very high family caregiver interest in using new technologies to help care for loved ones (71%), but the actual usage today of technology by caregivers is very low (7%) due to […]

5 Apps That May Transform Healthcare

Talk about being in a room with a lot of smart people! Wow! HITLAB, a healthcare innovation technology and teaching lab based in New York, just sponsored its second annual World Cup event at Columbia University for aspiring healthcare technology entrepreneurs and start-ups. The HITLAB staff, who blew me away with their creative energy, brought together […]

Unnecessary Surgery: When Will It End?

Unnecessary surgery: When is it going to end? Not any time soon, unless a documented and proven approach is used by health benefit plan sponsors. I began my healthcare career 35 years ago when, as a graduate student at Columbia University School of Public Health, I was awarded a full scholarship as a public health […]

Stigma’s Huge Role in Mental Health Care

The role of stigma for people who are in need of mental health treatment is both profound and devastating. According to a 2011 study by the Association for Psychological Science, only 60% of people diagnosed with mental health problems reported receiving treatment. That means 40% of the millions of people in the U.S. who need […]

To Be or Not to Be (Vaccinated)?

For many years, Americans did not need to worry about contracting the once-widespread disease called the measles. In fact, the Centers for Disease Control and Prevention (CDC) officially declared measles eliminated in the U.S. in 2000. Unfortunately, that is no longer the case. In January 2015 alone, there were already more confirmed cases in the […]

Is EEOC an Unlikely Friend on Work Comp?

The traditional school of thought since the Americans with Disabilities Act (ADA) was enacted in 1990 is that it did not apply to state workers’ comp cases because they involve temporary disabilities and work restrictions. Claimants were not considered “qualified individuals with a disability” under the ADA. Even if the ADA provision for a “reasonable […]

IME: Success or Fishing Expedition?

Independent medical exams (IMEs) are widely used throughout the workers’ compensation insurance industry. However, as with any tool, you generally need a good carpenter or mechanic to get the best results. Because of the time required to arrange these medicolegal exams and because of the complexities of determining causation, pre-existing conditions, degree of impairment, etc., […]

Yes, OSHA Is Now a Friend to Insurers

The HR/safety director at a large national construction company, who was the first to use OSHA-sanctioned medical exams conducted outside the workers’ comp system, said the program is “extremely successful” and may have saved the company as much as $1 million in workers’ comp expenses over the past few years. The company, which has asked […]

Obamacare Backlash: What Comes Next?

The firestorm over comments made by MIT economist Jonathan Gruber has not helped the cause of the White House and defenders of the ACA in Congress. The historical landslide in the recent mid-term elections will also bring a major legislative backlash in the new House of Representatives and U.S. Senate early in 2015. I had […]

Has OSHA Become a Friend to Insurers?

It may be possible for employers to take a whole new approach to workers’ comp cost containment based on an OSHA regulation that allows an employer to require injured workers to undergo a prompt medical exam outside of the workers’ comp system and to obtain the release of prior medical records. Most employers are unaware that […]

Why Is Workers’ Comp Managed Care Hard?

There are many reasons why workers’ compensation managed care is so difficult, ranging from general economic cost pressures to the regulatory complexities faced by many large employers with multi-state work locations. Issues such as the ability to direct medical care, fee schedules, dispute resolution and the use of treatment protocols and provider networks vary from […]

We Need to Put the ‘P’ Back in PPO

A leading workers’ comp insurer once asked me to review its provider network strategy. The problem was that it didn’t have one. The insurer readily admitted that after, a decade-long relationship with its preferred provider organization (PPO) vendor, the insurer could not identify a single quality medical provider in the network. It was no wonder, […]

Return-to-Work: a Success Story

I was once hired to be the chairman of a return-to-work (RTW) subcommittee for a corporation that owned several major national newspapers. One minute into my first day, I was told: “We can’t do this here; we have a union shop.” Several months later, the program we designed had full union support, and the CEO […]

The Key to Success: a Workers’ Comp Audit

Third-party administrators (TPAs) promise to manage workers’ comp costs for employers through vigilant review and through discounts on medical care that they can provide because of their access to preferred provider organizations (PPOs), but consider the experience of a Fortune 25 client of mine. My analysis found that, despite the discounts, after all the TPA […]

A Quiet ACA Waiver — and Needed Change

Massachusetts has been on the forefront of American history since the days of Paul Revere and the Boston Tea Party. It is also the state that inspired the Affordable Care Act, a.k.a. Obamacare, by its groundbreaking universal coverage law implemented under former Gov. Mitt Romney. What has received very little, if any, national media coverage is that […]

The Truth About Treating Low Back Pain

There is overwhelming medical evidence that many diagnostic tests, treatments and surgeries for low back pain are ineffective and waste many billions of dollars a year in the U.S. alone. Yet treatment appears not only to be continuing but seems to be growing and becoming more aggressive. The aggressive treatment of low back pain has […]

Carpal Tunnel Syndrome: It’s Time to Explode the Myth

Carpal tunnel syndrome (CTS) has caused a firestorm of controversy in recent years. CTS is a perfect example of how popular beliefs are not supported by medical evidence. It is time to set the record straight. Although the popular belief is that keyboard use causes CTS, the science shows otherwise. Nine studies have reviewed this relationship, […]

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