Workers' compensation insurance is state-mandated insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties. When an employee gets hurt on the job or has a work-related illness, only workers’ compensation will cover them. Health insurance benefits will not provide coverage for on the job injuries. 

Workers’ Compensation Insurance premiums are computed as a direct result of your claims and payroll. The most effective method of reducing or managing Workers’ Compensation claims is to have effective safety program and a “Return to Work Program”.  Here are a few examples of what your safety rules might include:
  1. Drug and alcohol rules.
  2. Require safety equipment to be worn at all times.
  3. Keep work areas clean.
  4. Do not wear loose clothing or jewelry around machinery.
  5. Where required, you must wear protective equipment such as goggles, safety glasses, masks, gloves, hair nets, etc. appropriate to the task.
  6. Safety equipment such as restraints, pull backs, and two-hand devices are designed for your protection. Be sure such equipment is adjusted for you.
  7. Do not ever remove equipment safety guards. Ever!
  8. Develop a system for reporting unsafe practices.
  9. Have monthly safety meetings that review safety issues and related topics.
  10. Create accident investigation procedures that focus on prevention and change.

Return To Work Program

A Return to Work (RTW) Program is a process used by an employer to help employees who have suffered work related injuries or illnesses return to their vocational status. A RTW should have the following components:
  • A modification of work schedule and/or job duties. These need to be approved by the treating physician.
  • Modifications will vary depending on type of injury, employee’s condition and skills.
  • A plan that allows the employee to gradually return to pre-injury tasks and functions. 
Work is therapeutic, and return-to-work programs are effective. The sooner employees reconnect with work associates and perform job responsibilities, the healthier their outlook, and the more favorable your workers’ compensation experience. All in all, a Return to Work Program can be a win-win solution for your employees and company.