Bankruptcies Of The Heart:
Secondary Losses From Disabling Chronic Pain
Summary of paper presented by Marcia E. Bedard, PhD, at the 1998
Society for Disability Studies Annual Meeting
My current research,
which I have summarized here, is focused on the theory of "secondary
gain" as it applies to chronic illness, and specifically chronic pain.
The basic idea behind this theory is that chronic pain is
psychological and persists only because the person suffering from it
enjoys one or more "rewards" that accrue from their pain. These
so-called "rewards" may be emotional, such as sympathy –
or monetary, such as disability payments. Either type of "gain," is
said to reinforce the pain, causing partial or complete disability.
Although this concept originated with Freud decades ago it has never
been rigorously examined. Given the prevalence with which it is
applied to persons disabled by chronic pain though, we must question
its validity until it has been scientifically proven to hold true. In
the interim, we need to take into account the numerous "secondary
losses" brought about by chronic pain as well.
For more than 30 years
now, the majority of psychologists have been shifting their emphasis
toward treating chronic pain as a perceptual and psychological
phenomenon rather than a true medical problem. One of the major
theorists in this field was Wilmer Fordyce, who developed an
influential social-learning model of chronic pain based on
behavioralism about 20 years ago. Fordyce believed that pain is
behavior designed to protect oneself or solicit aid and that pain
increases, i.e., this behavior is strengthened, when followed by
desirable consequences. Unlike many of his predecessors who believed
chronic pain was purely psychogenic in origin, Fordyce believed that
all pain began as acute pain from actual tissue injury and under
normal conditions, the injury healed in a certain period of time.
However, Fordyce argued that if pain persisted beyond the normal
healing time in an environment with secondary gains, the pain would
become chronic. He gave as examples of secondary gains, or "desirable
consequences" of pain the following factors that he believed
reinforced pain and disability.
The Four Most
Commonly Referenced Secondary Gains
The myth is that persons disabled
by chronic pain generally enjoy:
1) attention and sympathy from family,
friends, and physicians
2) release from task responsibilities at home and at work
3) narcotic medications presumed to induce constant euphoria
4) monetary compensation which approximates actual wages
The Four Least
Commonly Recognized Secondary Losses
The reality is that persons disabled by chronic pain generally endure:
1) anger/trivialization/rejection by
family, friends, and physicians
2) complicated/frustrating tasks dealing with new bureaucracies
3) agonizing pain without medication; unpleasant side effects with
medication
4) denial of disability benefits to which they are legally entitled
My thesis is this: not
only is psychogenic chronic pain rare, but more importantly, few
people disabled by chronic pain regularly receive secondary gains. My
evidence for this assertion comes from several sources: literature
cited in the paper I presented at the 1998 Annual Meeting of the
Society for Disability Studies (SDS); information about personal
experiences sent to me by hundreds of chronic pain patients, as well
as physicians and psychologists who specialize in treating chronic
pain via numerous Internet lists I subscribe to and websites I
monitor; and finally, my own experience over the past six years as a
chronic pain patient.
Attention and sympathy
from family, friends, and physicians is,
sadly, in short supply for chronic pain patients. The wide range of
family problems experienced by these patients include, but are not
limited to: guilt over not being able to carry one's fair share of
domestic tasks; anger at family members who deny the reality and/or
severity of the patient's pain; frustration because the pain is so
great it makes playing with one's children or sexual intimacy with
one's partner torturous or impossible; and anxiety about the financial
strain that stems inevitably from disabling chronic pain. Given that
nearly every book or magazine dealing with chronic pain has a section
on coping with these and other family problems, it is apparent that
family attention and sympathy are not as abundant as we are led to
believe by secondary gain theorists. We must also not forget that many
chronic pain patients have no family, or none nearby, or their
families deny or trivialize their pain and disability. Denial,
trivialization, and eventual abandonment are also common reactions of
friends or co-workers. The loss of former friends is another
emotionally painful aspect of disabling chronic pain.
Attention and sympathy
from physicians may be absent at the outset for chronic pain patients,
but if not, it generally wanes as the patient fails to respond to one
after another medical interventions, leaving most doctors feeling
frustrated and helpless. Patients with incurable, irreversible, and
progressive conditions, such as degenerative disk and joint disease,
may have a difficult time even finding a doctor who will take them as
a patient. Consequently, many chronic pain patients are literally
"fired" by their treating physicians a year or so after numerous
painful and invasive treatments have been tried and failed, and left
on their own to try and find another doctor. Unless such patients are
able to find a physician who can actually help them control their
pain, they are forced to live an unbelievably miserable existence that
all too frequently ends in suicide.
The second most common
secondary gain is release from task responsibilities at home and work.
It may be that those living with spouses or significant others are
relieved from some or all of their domestic chores some or all of the
time, but I question whether this is perceived as a "reward" by most
persons disabled by chronic pain. In my own experience and research,
the guilt of watching loved ones at home and colleagues at work become
overburdened by these extra tasks is hardly rewarding and takes a
heavy toll on one's self-esteem and sense of self-worth. Furthermore,
as time goes by, resentment toward the disabled person generally
increases among those picking up the slack, increasing interpersonal
friction. Any release from former task responsibilities is also offset
by the increase in new task responsibilities on becoming disabled.
There are numerous forms to be filled out and reports to be completed
for the Americans with Disabilities Act (ADA), leaves of absence and
state disability insurance (SDI). If the chronic pain resulted from a
work-related illness or injury, there is the bureaucratic morass of
worker's compensation to navigate. And if the disability lasts six
months or more, there is the process of applying for Social Security
Disability Insurance (SSDI). The amount of paperwork and reports
varies, but in my own case, which was relatively simple, there were
hundreds of pages of forms and reports I had to submit over the two
years it took just to get my SSDI approved, and that was with the help
of an attorney. This, however, was nothing compared to what I went
through with my group long-term disability (LTD) insurance. The forms,
reports, and correspondence on that claim fills an entire drawer of my
filing cabinet, and that claim is still unsettled.
Narcotic medications are
the third most commonly referenced secondary gain. The fact that they
are considered a gain at all is telling –
it is obviously presumed that they induce euphoria, yet any pain
patient who has taken them regularly will tell you that not only do
they do nothing but take away the pain so one feels relatively normal
for awhile, they also have extremely unpleasant side effects. Yet
although 34 million Americans suffer from chronic pain and most are
significantly disabled by it, only a small minority receive any type
of narcotic medications for pain relief and these are usually
inadequate to relieve the pain –
a situation which frequently leads to suicide or requests for
physician-assisted suicide. The irony here is that in many cases these
are the only medications that will allow the patient to return to
part-time or full-time work.
The fourth commonly
referenced secondary gain is the supposed monetary compensation which
approximates actual wages that persons disabled by chronic pain
receive. If this fallacy were not so tragic, it would be laughable,
because of all the secondary losses emanating from disabling chronic
pain, the economic losses are utterly devastating. Even if one is
fortunate enough to have medical insurance, there are numerous
expenses detailed in my paper that are not covered by any type of
insurance, nor are they even tax-deductible. So where did the idea
come from that work-disabled persons "have
it made" financially? I think it is because there are ostensibly four
different types of "safety nets" when one becomes disabled: state
disability insurance (SDI), worker's compensation (WC), Social
Security Disability Insurance (SSDI), and group or private long-term
disability (LTD) insurance. LTD insurance is a type of coverage which
very few people have - primarily highly-paid professionals
– yet this is the only kind of insurance benefit that ever
approximates one's pre-disability income, generally paying half to
two-thirds of the claimant's lost income as benefits. However, if the
disability is from chronic pain, more often than not the claim for any
type of benefits will be disputed and, in too many cases, denied,
leaving the disabled person to face bankruptcy, poverty, and
eventually homelessness unless one is exceptionally lucky. So common
is it for persons disabled by chronic pain to be denied benefits to
which they are legally entitled that numerous lists and websites have
been established on the Internet solely for the purpose of providing
information and support to those claimants wrongfully denied. To
describe this situation as scandalous is an understatement, yet
millions of American workers have been lulled into false security
believing that if they should have the misfortune of becoming
disabled, these safety nets will be there to cushion them from the
full brunt of economic loss.
In summary, divorce,
loss of career, financial ruin, homelessness, loss of friendships and
social life, loss of physical mobility, the severe stress of
protracted litigation, and in some cases physical disfigurement are
just a few of the kinds of secondary losses commonly incurred by
persons disabled by chronic pain. Obviously it is impossible to place
a price tag on any one of these tragic losses. So the concept of
secondary gain is put forward instead, turning the truth –
the reality of the disabled person's existence –
upside down. This is, in my estimation, nothing short of institutional
moral larceny: a victim-blaming ploy that serves primarily to justify
the reprehensible actions of insurance companies, opposing attorneys,
and many of the private, county, state, and federal bureaucracies
purporting to "assist" persons with disabilities. Secondary gain, or
any other concept built on myths and stereotypes which contribute to
ongoing discrimination against persons disabled by chronic pain needs
to be exposed for what it is –
unconscionable in a democratic society.
What is desperately
needed at this point in time is a massive public education campaign
regarding the enormous losses, tangible and intangible, that accompany
disabling chronic pain including, but not limited to, bankruptcies of
the heart.
Copyright © 1998 by Marcia E. Bedard,
Ph.D., Women's Studies Program, California State University at
Fresno
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