2:13 am June 28, 2019

New Study – Higher Group Health Deductibles Causing More Workers’ Comp Claims

Source: Kevin Schmidt

A new study from the Workers Compensation Research Institute (WCRI) took a deeper look at a growing trend – whether more employees injured at work are filing workers’ compensation claims to avoid the high deductibles in group insurance plans.

The study concluded that workers with a higher remaining deductible more often will choose to file a workers’ compensation claim.  That number is even higher for injured workers with soft tissue conditions (sprains, strains and more).  The study cites an increase of 5.3 percent in workers’ compensation claim volume when workers have a remaining deductible of $550 (the average).  Read the full study.

To help reduce these claims, employers can consider implementing an onsite physical therapy program.  These programs offer several advantages:

  • Early reporting of an injury. When a physical therapist (PT) is at the work site, employees get to know the PT and are often more comfortable asking for help sooner.  That can reduce the impact of an injury and the workers’ compensation impact.
  • Greater honesty. When a relationship develops between PTs and employees, it can also encourage open and candid communication.  It will help you know if the injury is occupational or non-occupational.
  • Prevention of injuries. Onsite PTs make rounds of the worksite.  They can spot opportunities to improve movement, body posture and more to get ahead of injuries.
  • Help for the safety team. A friendly face can be a big boost in helping safety professionals boost the safety culture.  PTs can extend safety’s reach, helping employees with questions and advice right at the worksite.

To find out if an onsite program is a fit for your company, contact WorkWell today.  We’ve identified criteria for a good fit as well as a data model to see if the numbers make sense.

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