IC Safety from Protective Insurance Company
April 2017 An exclusive publication for Protective's independent contractors
What are the benefits of getting your injured workers back to work?
People are your most valuable asset. The longer an injured worker is absent, the higher the costs will be to your business. In addition to the cost of a workers’ compensation claim, your organization may experience additional indirect losses such as:
• Lost productivity time
• Decreased morale
• Increased experience mod/premiums
• Hiring and retraining replacements
One of the most effective ways to manage these losses is by implementing a return-to-work program!
Why?
The answer is simple: An effective return-to-work program can reduce your overall claims costs by up to 70 percent! These programs are beneficial to both the employer and employee.
As an employer, benefits include:
• Reduced medical claim costs
• A boost in company morale
• Reduction in disability duration
• Increased retention of valuable/skilled workers
• Significant decrease in potentially fraudulent claims
As an employee, benefits include:
• Maintaining contact with your employer and fellow workers promoting increased morale and a faster recovery
• Ability to stay in same or similar job
• Lower chances of suffering financial drawbacks (due to reduction of salary and/or benefits)
Check out these resources to assist you in developing and maintaining your own return-to-work program:
How to Implement Your Own Return-to-Work Program
Download Protective’s guide and implement a program of your own. This guide dives into all the information you need to create a successful program, including a template to get you started, as well as other great resources.
Modified Duty Off Site (MDOS)
MDOS is a unique return-to-work alternative, developed by VocWorks, that reduces the cost and duration of lost-time incidences.
Learn more about the MDOS program >>
Implement Your Own Return-to-Work Program
Download Protective’s guide and implement a program of your own. This guide dives into all the information you need to create a successful program, including a template to get you started.