RETURN TO WORK PROGRAM

While programs such as medical cost containment, utilization review, and preferred provider networks can reduce unnecessary treatment and costs, there are other ways for employers to control and reduce workers’ compensation disability costs and eliminate unnecessary litigation.  One way is to implement and manage an effective return to work (RTW) program.

The goal of Risk Management’s Return to Work is to reduce the cost of workers’ compensation insurance and unnecessary time loss.  The strategy is to provide injured workers with temporary work assignments, modified tasks and work hours that take into account your employee’s existing skills as well as any physical capabilities and/or limitations as determined by their treating medical providers.

How Much Money Can You Save?

An actual review of loss experience shows that temporary disability benefits account for approximately 18% of total claims costs.  This can translate into a considerably higher experience modification factor.  The higher your experience modification the more you pay in workers’ compensation premiums.

An effective RTW program saves unnecessary medical, legal, productivity and disability costs and positively impacts the net cost of a workers’ compensation program.

Risk Management can partner with you to assess your program, show you how much money you can save and make possible suggestions for improvement regarding your own RTW program.