Winter 2025/2026

Wear and Tear: A Breakdown of Degenerative Comorbid Conditions

Fast Focus

Degenerative comorbid conditions are present in 19% of claims and can drive up claim costs and disability duration. Many of these degenerative conditions are more common in older workers, a fact compounded by the continued aging of the workforce.

Degenerative conditions can be defined as illnesses that cause a progressive breakdown of cells, tissues, or organs over time, leading to a decline in function. These conditions can affect various parts of the body, but when discussed in the context of workers’ comp, “degenerative conditions” often refers to such conditions of the musculoskeletal variety.

While different degenerative conditions may have varying causes, the prevalence of these conditions increases with age and the wear and tear of the human body, sometimes tied to certain repetitive motions over a significant period of time.

Delineating between a work-related injury and a degenerative comorbid condition can be difficult, but recent data make it clear that the presence of degenerative conditions within claims can significantly impact claims outcomes and costs.

With this in mind, what do workers’ comp stakeholders need to know about degenerative conditions?

The Prevalence and Impact of Degenerative Comorbid Conditions in Workers’ Comp

The Workers’ Compensation Research Institute (WCRI) found that degenerative comorbid conditions are present in 18.7% of workers’ comp claims. This includes:1

Osteoarthritis, found in 9.7% of claims

Spondylosis (with or without nerve involvement), found in 6.2% of claims

Degenerative disc disease, found in 5.6% of claims

Spinal stenosis, found in 4.2% of claims

While this is not an exhaustive list of common degenerative conditions, the WCRI did find that average costs and temporary disability duration for claims with these degenerative comorbid conditions were much higher than claims without them.

Claims without Comorbidities /Degenerative Comorbid Conditions1

Claims with Degenerative Comorbid Conditions1

Additionally, among claims involving back and shoulder injuries, those with a degenerative comorbid condition are 58% more likely to become a high-cost claim – with medical payments in excess of $65,000 within 36 months of injury.2

While degenerative conditions are caused by multiple factors, the primary cause is natural deterioration due to age, which is reflected in their prevalence among older populations. This also has implications for workers’ comp, as the workforce continues to grow older.

Degenerative Conditions and the Aging Workforce

20% of adults age 65+ are participating in the workforce3

By 2030, 9.5% of the workforce is projected to be older than 654

The percent of people aged 75+ in the workforce is expected to hit 11.7% by 20304

The labor force for those aged 75+ is expected to grow by 96.5% over the next decade4

Prevalence of Degenerative Conditions Among Older Populations

Osteoarthritis5-6

1 in 3 people over 65 have OA

of people with OA are 45+

of people with OA are 65+

Osteoporosis7-8

of adults aged 50-64 have osteoporosis

of adults 50+ have osteoporosis

of adults aged 65+ have osteoporosis of the femur neck or lumbar spine

of adults aged 65-69 have osteoporosis

Degenerative Disc Disease8-9

of adults 65-69 have disc degeneration

of all U.S. adults have some amount of disc degeneration by age 65

Sarcopenia10

of adults aged 60+ have sarcopenia

of adults age 80+ have sarcopenia

Variations in percentages are likely due to inconsistent diagnostic criteria

Spinal Stenosis8,11

of adults 65-69 had spinal stenosis

of older adults in the U.S. develop spinal stenosis

Spondylosis12

of adults aged 40+ have cervical spondylosis

of adults aged 60+ have cervical spondylosis

An Overview of Six Common Degenerative Conditions

While the WCRI has published data on select degenerative conditions within workers’ comp, there are a larger variety of these conditions that may not be noted in claims, but which are common within the larger U.S. population and which could impact severity of injury, recovery, and claim duration and cost.

Osteoarthritis

Osteoarthritis (OA) is the most common type of arthritis and causes joint pain, stiffness, and swelling, usually in the hands, hips, back, or knees. OA can develop when the protective cartilage that cushions the ends of the bones wears down over time, causing bone to rub on bone. Over time, OA can lead to changes in bone, cartilage, and other joint tissues, resulting in disability or making it hard for someone to do work or daily tasks.13-14

Causes and Risk Factors13-14

Repetitive joint stress or injury, sometimes stemming from overuse

Obesity, due to impacts to metabolism and more stress on weight-bearing joints

Family history/genetics

Certain metabolic disease (e.g. hemochromatosis)

Older age

Sex, as women are more likely to develop OA, especially after 50

Bone deformities

Treatments and Medications

While there is no cure for OA, staying active, keeping a healthy weight, and protecting the joints can minimize pain and discomfort, and slow the progression of the disease. Furthermore, physical therapy can help strengthen muscles around affected joints, while crutches, canes, and other aids can help to avoid stressing joints. For more severe cases, surgery may be considered.13-14

As for pain relief, commonly prescribed medications for OA include:13, 15

Acetaminophen

NSAIDs

Certain antidepressants

Lubrication injections, such as hyaluronic acid

Understanding How Physical Therapy Can Help Manage Degenerative Conditions

Clinical Expertise from Tate Rice, PT, DPT, MBA, Director of Product Management

Several different parts of the body support the joints, and it is important to understand when physical therapy can and cannot help manage degenerative conditions.

These joint-supporting systems can be divided into contractile structures (those able to contract and relax) and non-contractile structures (those unable to contract and relax). Depending on patient-specific factors, damage to these different types of structures can impact the efficacy of physical therapy.

Contractile elements are the dynamic restraints of the joint and can be rehabilitated in physical therapy. These structures can be targeted and strengthened in order to minimize the effects of degenerative conditions.

These include:

Muscles

The musculotendinous junction

The muscle’s tendinous insertion on the bone

Non-contractile structures act as passive restraints of the joint and cannot be directly rehabilitated in physical therapy. This includes:

Articular cartilage, which covers the surfaces of the bones that form a joint, reduces friction, and is largely what is referred to when there is damage due to degenerative conditions

Synovial fluid (within the synovial membrane), which lubricates the joint

Ligaments that prevent accessory movement of the joint and support/stabilize the joint

Osteoporosis

Osteoporosis is a bone disease that develops when bone mineral density and bone mass decreases, leading to a decline in bone strength that can increase the risk of fractures. Sometimes osteoporosis does not have symptoms and may go unnoticed until a fracture occurs. However, once bones have been weakened by osteoporosis, signs and symptoms can include back pain, a loss of height over time, and a stooped posture.16-17

Osteoporosis is the major cause of fractures in postmenopausal women and in older men, and osteoporosis-related breaks most commonly occur in the hip, wrist or spine. Bones affected by osteoporosis may become so fragile that fractures occur spontaneously or as the result of minor falls and normal stresses such as bending, lifting, or even coughing.16-17

Causes and Risk Factors16

Older age

Low levels of physical activity

Slender, thin-boned people are at greater risk to develop osteoporosis because they have less bone to lose

Sex, as women are more likely to develop osteoporosis

Family history

Diets low in Vitamin D, calcium, and protein

Changes to hormones

Medications for seizures, cancers, depression and anxiety, and diabetes

Chronic drinking or smoking

Treatments and Medications

The impacts of osteoporosis can be lessened by staying physically active and participating in weight-bearing exercises such as walking, as well as eating a nutritious diet rich in calcium and vitamin D to help maintain good bone health. Additionally, quitting smoking and drinking in moderation can help. Surgery may be considered for more severe cases.16

Medications commonly used for the treatment of osteoporosis can include:18

Bisphosphonates (drugs used to prevent bone loss)

Denosumab to inhibit bone breakdown

Hormone-related therapies

Bone-building medications such as teriparatide, abaloparatide, and romosozumab

Degenerative Disc Disease

Also known as intervertebral disc degeneration, degenerative disc disease (DDD) is arthritis of the spine, where cartilage has worn out, allowing the soft discs in the vertebrae to partially dry out and shrink, narrowing the space between the vertebrae and making the spine less stable. This decreases flexibility and can cause pain, weakness, or numbness. It is known to cause sharp pain that can worsen with activity, as well as soreness and sometimes tingling. However sometimes DDD can be undetected if it hasn’t yet caused pain. While DDD primarily affects the neck and lower back, it can extend to arms, hands, feet, and legs.19-22

Causes and Risk Factors

While DDD is primarily caused by age, tears in the outer portion of the disc due to daily activities, sports, or injury can contribute to DDD.22

Treatments and Medications

Surgery may be required for more severe cases of DDD, but often pain can be managed by a combination of hot/cold therapy, physical therapy, and certain medications for pain and inflammation.22

Commonly used pain medications for DDD include:19, 22

Acetaminophen

NSAIDs

Corticosteroid injections into disc space, such as cortisone or prednisone

Stronger pain medications like opioids for more severe cases

Sarcopenia

Sarcopenia is an age-related loss of skeletal muscle mass, strength, and function that can result in decreased mobility and an increased risk of adverse outcomes including falls, fractures, and premature mortality.10, 23-24

Causes and Risk Factors

While sarcopenia commonly occurs with advancing age, other potential risk factors include:25

Lack of physical activity, which can lead to faster muscle loss

Diet, including a lack of protein

Excess inflammation or stress on the body over time, as the rebuilding of damaged cells begins to slow down, disrupting muscle repair

Treatments and Medications

Physical activity (particularly resistance training), increasing protein intake, and minimizing stress on the body can help manage symptoms of sarcopenia.10

At this time, there are no FDA-approved drugs for sarcopenia, though there is clinical research surrounding medications that could impact muscle metabolism.

Spinal Stenosis

Spinal stenosis is a condition where the spinal canal narrows, putting pressure on the spinal cord and nerves. While there can sometimes be no symptoms, the inflammation caused by spinal stenosis can result in pain, numbness, and weakness to the back, neck, and limbs.26-27

Causes

Spinal stenosis is primarily tied to age-related wear of the spine, but it can impact younger populations due to injury and other factors. This can include:26-27

Bone spurs

Herniated discs

Thick ligaments

Spinal injuries

Being born with a small/narrow spinal canal

Treatments and Medications

Spinal stenosis – including its resulting inflammation – can be treated with physical therapy for increasing mobility, strength, and endurance, all which help to stabilize the spine. Additionally, the use of a brace, massage therapy, or acupuncture can help with pain. For more severe cases, surgery may be considered.28-29

Medications commonly used to treat the pain associated with spinal stenosis include:28-29

NSAIDs

Antidepressants

Anti-seizure drugs

Corticosteroid shots to reduce swelling

Opioids for more severe pain

Spondylosis

Spondylosis is the age-related wear and tear of spinal discs, impacting the neck, mid-back, and lower-back. Symptoms can include pain, stiffness, compression of neural structures, tingling, numbness and weakness in arms, hands, legs, or feet, a loss of bladder or bowel control,  a lack of coordination, and difficulty walking. 30-31

Causes and Risk Factors

Spondylosis is a natural process of aging and is present in the majority of people after the fifth decade of life. However, other possible causes can include:30

Occupational trauma, such as repetitive neck motions, awkward positioning, or overhead work putting stress on the neck

Neck or back injuries

Genetics

Smoking

Treatments and Medications

For less severe cases, spondylosis can be treated with a combination of physical therapy, hot/cold therapy, the use of neck braces or a cervical collar to let the muscles rest, and alternative therapies like chiropractic, massage, and acupuncture. Surgery may be considered for more serious cases.31-32

The following medications may be used for the treatment of pain:31-32

NSAIDs

Corticosteroid injections

Muscle relaxants

Anti-seizure medications

Antidepressants

Therapy can be escalated to opioids, but it is not recommended as a first-line or long-term treatment due to potential adverse effects

Strategies to Help

Degenerative conditions are in many cases an inevitable consequence of aging, but when properly managed, individuals can still live productive lives, including in the workplace. Having visibility into a degenerative comorbid condition can help with managing the health of the injured worker, their recovery, and the claim in a number of ways:

Assess risk and set realistic recovery expectations
Refer complex cases to appropriate resources, such as a nurse case manager
Promote wellness through workplace fitness options, nutritional support, and chronic disease management programs
Implement clinical review and intervention programs to monitor for polypharmacy risks that may occur between injury-related therapies and treatments being administered for the comorbid condition
Ensure access to quality, evidence-based physical therapy/rehabilitation services via a robust, performance-based network and program
Leverage formulary configurability to account for the unique needs and safety concerns of older patients
Effective data integration to capture surgical history and recognize if a degenerative condition is not documented within a workers’ comp claim

Primary Injury or Comorbid Condition?

The subject of degenerative conditions can quickly become complex  when it comes to determining if the condition is pre-existing and aggravated by the workplace injury or caused by a workplace injury.

Making this determination can be difficult, but it is important to make this distinction because it impacts compensability, and by extension it can impact an injured worker’s understanding of their care. When faced with ambiguous determinations, an age of injury diagnostic analysis may help to identify if a degenerative condition pre-exists the injury or is a result of an injury.

References

  1. Wang D, Mueller K, Lea R. Degenerative and comorbid conditions in workers’ compensation. WCRI. March 27, 2025. https://www.wcrinet.org/reports/degenerative-and-comorbid-conditions-in-workers-compensation
  2. Wang D, Mueller K, Lea R. Patterns and trends of high-cost claims involving back and shoulder injuries. WCRI. Aug 7, 2025. https://www.wcrinet.org/reports/patterns-and-trends-of-high-cost-claims-involving-back-and-shoulder-injuries/
  3. 3 percent of employed older Americans worked part time in 2024. U.S. Bureau of Labor Statistics. May 30, 2025. https://www.bls.gov/opub/ted/2025/38-3-percent-of-employed-older-americans-worked-part-time-in-2024.htm
  4. Number of people 75 and older in the labor force is expected to grow 96.5 percent by 2030. S. Bureau of Labor Statistics. Nov 4, 2021. https://www.bls.gov/opub/ted/2021/number-of-people-75-and-older-in-the-labor-force-is-expected-to-grow-96-5-percent-by-2030.htm
  5. Hawker GA, King LK. The burden of osteoarthritis in older adults. Clin Geriatr Med. 2022 May;38(2):181-192. https://doi.org/10.1016/j.cger.2021.11.005
  6. Fallon EA, Boring MA, Foster AL, et al. Prevalence of diagnosed arthritis – United States, 2019–2021. MMWR Morb Mortal Wkly Rep 2023;72:1101–1107. DOI: http://dx.doi.org/10.15585/mmwr.mm7241a1.
  7. Sarafrazi N, Wambogo EA, Shepherd JA. Osteoporosis or low bone mass in older adults: United States, 2017–2018. NCHS Data Brief No. 405, March 2021. https://www.cdc.gov/nchs/products/databriefs/db405.htm
  8. Parenteau CS, Lau EC, Campbell IC, et al. Prevalence of spine degeneration diagnosis by type, age, gender, and obesity using Medicare data. Sci Rep. 2021 Mar 8;11(1):5389. https://doi.org/10.1038/s41598-021-84724-6
  9. Weiss C. Mayo Clinic Q and A: What is degenerative disk disease? Mayo Clinic. Jan 26, 2023. https://newsnetwork.mayoclinic.org/discussion/mayo-clinic-q-and-a-what-is-degenerative-disk-disease/
  10. Ardeljan AD, Hurezeanu R. Sarcopenia. StatPearls. Jul 4, 2023. https://www.ncbi.nlm.nih.gov/books/NBK560813/
  11. Katz JN, Zimmerman ZE, Mass H, et al. Diagnosis and management of lumbar spinal stenosis: a review. JAMA. 2022;327(17):1688–1699. doi:10.1001/jama.2022.5921
  12. Margetis K, Tadi P. Cervical Spondylosis. Aug 2, 2025. https://www.ncbi.nlm.nih.gov/books/NBK551557/
  13. Osteoarthritis. CDC. Jan 26, 2024. https://www.cdc.gov/arthritis/osteoarthritis/index.html
  14. Osteoarthritis symptoms and causes. Mayo Clinic. April 8, 2025. https://www.mayoclinic.org/diseases-conditions/osteoarthritis/symptoms-causes/syc-20351925
  15. Osteoarthritis diagnoses and treatment. Mayo Clinic. April 8, 2025. https://www.mayoclinic.org/diseases-conditions/osteoarthritis/diagnosis-treatment/drc-20351930
  16. National Institute of Arthritis and Musculoskeletal and Skin Diseases. Last reviewed Dec 2022. https://www.niams.nih.gov/health-topics/osteoporosis
  17. Osteoporosis symptoms and causes. Mayo Clinic. Feb 24, 2024. https://www.mayoclinic.org/diseases-conditions/osteoporosis/symptoms-causes/syc-20351968
  18. Osteoporosis diagnosis and treatment. Mayo Clinic. Feb 24, 2024. https://www.mayoclinic.org/diseases-conditions/osteoporosis/diagnosis-treatment/drc-20351974
  19. Degenerative disc disease. Johns Hopkins Medicine. Accessed Aug 21, 2025. https://www.hopkinsmedicine.org/health/conditions-and-diseases/degenerative-disc-disease
  20. Degenerative disk disease treatment. Mayo Clinic. Accessed Aug 21, 2025. https://www.mayoclinichealthsystem.org/locations/mankato/services-and-treatments/neurosurgery/spine-conditions-and-treatments/degenerative-disk-disease
  21. Degenerative disc disease: managing this common cause of back pain. Harvard Health Publishing. July 18, 2024. https://www.health.harvard.edu/diseases-and-conditions/degenerative-disc-disease-managing-this-common-cause-of-back-pain
  22. Degenerative disc disease. Arthritis Foundation. Accessed Aug 21, 2025. https://www.arthritis.org/diseases/degenerative-disc-disease
  23. Sayer AA, Cruz-Jentoft A. Sarcopenia definition, diagnosis and treatment: consensus is growing. Age Ageing. 2022 Oct 6;51(10):afac220. https://doi.org/10.1093/ageing/afac220
  24. Sayer A, Cooper R, Arai H, et al. Sarcopenia. Nat Rev Dis Primers 10, 68 (2024). https://doi.org/10.1038/s41572-024-00550-w
  25. How to manage and treat muscle loss from sarcopenia due to aging. April 2025. https://www.healthline.com/nutrition/sarcopenia#about-sarcopenia
  26. Spinal stenosis. National Institute of Arthritis and Musculoskeletal and Skin Diseases. Last reviewed Nov 2023. https://www.niams.nih.gov/health-topics/spinal-stenosis
  27. Spinal stenosis symptoms and causes. Mayo Clinic. June 27, 2024. https://www.mayoclinic.org/diseases-conditions/spinal-stenosis/symptoms-causes/syc-20352961
  28. Spinal stenosis: diagnosis, treatment, and steps to take. National Institute of Arthritis and Musculoskeletal and Skin Diseases. Last reviewed Nov 2023. https://www.niams.nih.gov/health-topics/spinal-stenosis/diagnosis-treatment-and-steps-to-take
  29. Spinal stenosis diagnosis and treatment. Mayo Clinic June 27, 2024. https://www.mayoclinic.org/diseases-conditions/spinal-stenosis/diagnosis-treatment/drc-20352966
  30. Cervical spondylosis symptoms and causes. Mayo Clinic. July 28, 2025. https://www.mayoclinic.org/diseases-conditions/cervical-spondylosis/symptoms-causes/syc-20370787
  31. Kuo DT, Tadi P. Cervical Spondylosis. StatPearls. Jan 2025. https://www.ncbi.nlm.nih.gov/books/NBK551557/
  32. Cervical spondylosis diagnosis and treatment. Mayo Clinic. July 28, 2025. https://www.mayoclinic.org/diseases-conditions/cervical-spondylosis/diagnosis-treatment/drc-20370792

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Since 2010, the semi-annual RxInformer clinical journal has been a trusted source of timely information and guidance for workers’ comp payers on how best to manage the care of injured worker claimants and plan for the challenges that lay ahead. The publication is an important part of Healthesystems’ proactive approach to advocating for quality care of injured workers while managing the costs associated with treatment.