Workers compensation insurance New York

More Employers Use Return-to-Work Programs for Injuries Not Suffered on Job

More employers are starting to use return-to-work programs for injured workers even if they were not injured on the job, according to a study by Prudential Insurance Co. of America.

Many employers have a return-to-work program for their injured workers because it cuts down on workers’ compensation claims costs, and also on the costs of a key employee missing work. It also keeps injured workers from becoming disaffected from the workplace, which makes it harder for them to re-enter later.

But more employers have discovered the value of also returning employees to work who may have to be absent due to a number of non-job-related ailments, including, but not limited, to:

  • Cancer

  • Heart disease

  • Diabetes

  • Mental health conditions

  • Back pain

  • Injuries incurred outside the workplace.

The survey found that 49% of large employers have a return-to-work program for workers recovering from illness or injuries suffered off the job, and another 22% of employers plan to add such programs in the near future.

Prudential noted that workers’ comp and non-occupational disability return-to-work programs should be similar in approach, and that both can save a company money. While the cost/benefit numbers are more readily apparent in the workers’ comp arena, they may not be as easily identified in programs for non-work-related injuries or disabilities.

However, if you have an experienced staff member who is out of action, and work is not getting done or it’s being performed by someone with less experience and skill, it can hurt your operations and bottom line.

Return-to-work strategies and programs have traditionally been used to reduce workers’ compensation costs. But they can also:

  • Improve productivity,

  • Improve morale across an organization,

  • Save organizations time and money, and

  • Protect you from losing talent.

Effective strategies

Examples of effective return-to-work strategies include offering the opportunity to work part- time, telecommuting, modifying work duties, modifying schedules, and implementing reasonable accommodations to provide employees with the tools and resources they need to carry out their responsibilities.

Efforts such as these can help employees return to work sooner, even while still recovering. This allows the employee to protect their earning power while at the same time boosting the organization’s productivity.

Furthermore, in many instances, the ability to return to work after injury or illness plays an important role in the employee’s recovery process.

Return-to-work basics

  • The injured worker and the physician should discuss time frames for recovery, expected duration of pain, the potential need for medication and options for returning to work.

  • The worker should resume, if possible, some form of work that meets the restrictions and requirements outlined by the treating physician. Such modified work is the cornerstone of job rehabilitation.

  • The treating physician should be included in determining whether the physical demands of a modified job are appropriate for the recovering worker.

  • The treating physician needs to understand the patient’s work environment and occupational tasks. In difficult cases, a videotape of the job, formal job analysis or an ergonomic report may be helpful to assist in establishing work guidelines.

  • Work guidelines should be flexible and be updated as the worker’s medical condition improves.

  • The worker’s physical capacity to perform their job needs to be assessed so that they can eventually resume previous duties with no ill effects on their health.

  • An injured worker needs to learn to pace their work, use proper body mechanics and avoid overexertion so they don’t exacerbate their injury or illness.

  • If the treating physician and employer believe there are no suitable duties in the present workplace, it may be necessary to refer the injured worker to a vocational rehabilitation professional.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538



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