Sunday, October 08, 2017

Business Insurance Update From CNC Insurance Associates. “ Injured Employees Return To Work The Most Important Road To Recovery” 10-8-17

Studies have made it very clear that injured workers that can return to work quickly, do better in their long term recovery.  In other words the faster they can return to their jobs the lower the total cost of the work comp claim. However this usually requires a light duty transition job that most employers just do not have available. The absence of light duty work, keeps injured workers home and this usually means a more costly claim. In addition in some States, the rules for offering a return to work job are extremely rigid and hard to adhere to. This also keeps employers from offering these programs.
Regardless of the obstacles, every employer should try to get their injured workers back as soon as practical. If this means going through the effort to create a light duty job offer, it will be well worth it.
Keeping work comp claim cost down will keep insurance premiums down. Experience modifiers applied to your work comp rates will also be lower and your injured employee will be better off becasuse they are back to work. So all business owners  work with your insurance professional and legal team to put together a return too work program with a light duty transition job. It will pay for itself in the long term. Until next time be careful out there and know your risks.

G. Kevin Nemith. CNC Insurance Associates
Serving DE. MD, NJ, PA, & VA