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Understanding
workers comp
Before an injury occurs
After an injury occurs
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How early return to work helps you and your
employee
Insurance industry statistics show that injured workers
who are on disability six months or longer have only a 50% likelihood of
ever returning to work; for those out a year or longer, the rate drops
to less than 10%.A difference of 17 days per claim
Early return-to-work (ERTW) programs help reduce spiraling
post-injury workers compensation costs. In fact, experience proves that
effective post-injury response |
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plans reduce
lost workdays from an average of 24 days to seven days per claim. |
How Harleysville can help injured workers on
the road back to productivity
Early return-to-work programs focus on the injured employee’s
capacity and desire to become productive again following a disabling
injury. Our nurses and claims specialists can help facilitate the
worker’s recovery by:
- Working with physicians, therapists and other medical care
providers to determine the appropriate length of a disability
period, and to minimize lost work time while remaining sensitive to
the employee’s needs.
- Maintaining employee communications that demonstrate concern and
encouragement, and help monitor the recovery and rehabilitation
process.
- Providing guidance for creating accurate job
analyses/descriptions for injured employees, which physicians rely
on when determining ability to work.
- Advising you on when to suggest modified/alternative work
assignments when physicians deem regular job duties too physically
challenging.
- Initiating the RTW process early in the disability period to
provide the physician with timely information needed to formulate a
return-to-work decision.
- Providing injured employees with
meaningful, worthwhile work duties based on their individual skills and
physical capabilities.
Questions?
Contact your independent Harleysville agent with
questions about any of the information provided in this section—or in
other parts of our claims site. Don’t know the name of your company’s agent? Call Harleysville’s
customer support staff at 866.577.9040.
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