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Reduce Workers Compensation Costs By 20-50%

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Return-to-Work Essentials

The ultimate resource for beginner-to-advanced Work Comp pros looking to return injured employees back to work quickly, safely, and cost-effectively.

Return-to-Work Essentials is full of insights and strategy for professionals looking to hone their current skills and get up to speed on the latest Return-to-Work (RTW) policies and best practices. If you’re a corporate risk manager, business owner, WC program manager, insurance broker, service provider or agency, implementing our proven strategies & tactics will help you lower costs and achieve better outcomes.

Scroll through the sections below to build or refine your RTW policies and plans without the hiccups, headaches, and extra expense that arise from doing it alone.


  • What is Return-to-Work?
  • Who Uses Return-to-Work?
  • Why Does Return-to-Work Matter?
  • BUILD YOUR RTW PROGRAM
    • STEP 1: Understand Your Current Injury Economics
    • STEP 2: Construct a Strategy Template for Your RTW Program
    • STEP 3: Establish Your Transitional Duty Program
    • Recent RTW and Transitional Duty Articles
  • Pros and Cons of Return-to-Work
  • History of Workers’ Comp and RTW
  • Covid-19 Issues for Return-to-Work
  • RTW RESOURCES
    • RTW Courses, Certification, and Guidebook
    • RTW Tools
    • National External Links
    • State-by-State & U.S. Territory External Links

RTW Program Integrates with Loss Mgmt. Program

Most employers realize a properly constructed Return-to-Work (RTW) program can have a major positive impact on the cost of workers compensation. The question we often hear is “Okay, we want a successful return to work program, but how is it done?”

Achieving a proficient return to work program requires EFFORT on the part of the employer beyond placing the injured employee back into his/her previous job with instructions “not to pick up anything heavy.” A properly constructed RTW program must be integrated into the overall loss management program. In addition, it must include an effective transitional duty program and an early return to work program.

 

Click Link to Access Free PDF Download

“13 Research Studies to Prove Value of Return-to-Work Program & Gain Stakeholder Buy-In”


What is Return-to-Work?

Return-to-Work programs focus on bringing employees back to work as soon as they are medically able. Employees who are out of work receive more medical treatment, so reducing lost time will reduce the cost of both lost wage payments and medical costs. Your organization’s Return-to-Work Programs and Transitional Duty Policies should include the proven steps to bring employees back to work sooner and the necessary post-injury response forms and documents.

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Who Uses Return-to-Work?

When reviewing your best practices, it’s important for every employer to consider the development of a Return-to-Work policy. RTW is a complex issue that requires more than a mere moment of consideration, if you’re serious about reducing your WC costs and improving the outcomes for your injured workers. Doing so can and will substantially reduce your Workers’ Comp program costs.

 


Why Does Return-to-Work Matter?

To reduce the expense of Workers’ Comp insurance, your organization needs to have a long-term RTW strategy to reduce injuries, return injured workers as soon as possible, and ensure accuracy in its actual incurred losses.

Negative Consequences of Delayed Return to Work

From a human resources perspective, while it is jokingly everyone’s dream to stay at home and watch TV during the day, a vast majority of injured employees who do not have a return to work option demonstrate the negative psychological consequences of prolonged recovery times. For employers, having an employee off due to a work injury reduces workplace efficiency and is a hidden cost on the bottom line. An effective Return-to-Work program reduces costs and makes the workplace more efficient.

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BUILD YOUR RTW PROGRAM

STEP 1:
Understand Your Current Injury Economics

From calculating your cost per full-time employee to determining your RTW ratio to knowing how many of your employees are out of work right now, this 3-part series of essential articles (plus additional calculators) provides you with the key factors to determine the true financial impact your workers’ injuries have on your bottom line.

How to Calculate Cost Per FTE Metric to Show Workers’ Comp As Profit Center

Sales to Pay for Accidents Calculator

CALCULATOR: “Sales to Pay for Accidents” Calculator

The Single Most Comprehensive Workers’ Comp Leading Indicator

How Many Employees Are Out of Work Right Now?

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STEP 2:
Construct a Strategy Template for Your Return-to-Work Program

A Return-to-Work program is the strategic foundation of the Workers’ Compensation concept. It’s the master template upon which every other aspect of your Workers’ Comp policies are developed, because it provides both injured workers and employers the best possible outcome regarding health and finances.

This 3-part series of articles (and video) will show you how to construct and manage a successful RTW program that will support all of your other Work Comp efforts.

How to Build Your Return to Work Program
How to Build Your Return to Work Program A successful transitional duty/return to work program is much more than having an injured employee answering the telephone or sweeping the floors. Unfortunately, too many employers see a transitional duty program, also known as a return to work program as a “make work” situation for both the employer and the injured employee. This approach to a return to work program often ends in frustration for both employer and employee. Read More

ACOEM 3-Part Return to Work Framework
7 Ways to Make Return-to-Work a Cornerstone of Corporate Culture One of the most fundamental goals in workers’ compensation is to return our injured employees to work and back to function. This article and video walk you through a 3-part (or 3-step) framework, written by ACOEM entitled Preventing Needless Work Disability, which you can use for nearly every single workers’ comp claim, when considering return to work for your injured employees. Read More & Watch Video

Ten Light Duty Work Ideas
Ten Light Duty Work Ideas So you have decided to provide some light duty or transitional work for injured workers to decrease wage loss expense. First of all, congratulations! This is the first step in decreasing claims costs. The wage expense in a comp claim is most usually the biggest cost, and any chance you have of decreasing that cost should be taken. But what should the workers do? What if they do not follow the rules and get hurt again? What if this light duty work hinders the rehab and recovery? Read More

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STEP 3:
Establish Your Transitional Duty Program

For a transitional duty program to be effective, it needs to be properly established BEFORE it’s needed. These articles will help you learn why, how, and where a transitional duty position should be designed for every current job within your company, along with additional tips and examples of success.

Transitional Duty Program Success
Properly Designing and Implementing Transitional Duty Program Ensures Success
Light Duty
Off-Site Transitional Duty Very Effective In Reducing Workers Comp Costs
Transitional Work Programs
Leverage 3 Different Types of Transitional Work Programs
15 Cost Savings From Transitional Duty
15 Cost Savings From Transitional Duty
Return-to-Work Programs & Transitional Duty Policies
Return-to-Work Programs & Transitional Duty Policies
Transitional Duty Calculator
CALCULATOR: Transitional Duty Calculator

 

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Recent RTW and Transitional Duty Articles

Click arrows to scroll through our latest articles about RTW and Transitional Duty.

digital job description

Why and How Good Job Descriptions Help Reduce Workers’ Compensation Costs

Why and How Good Job Descriptions Help Reduce Workers’ Compensation Costs

The Art of Successful Return to Work

The Art of Successful Return to Work

Return to Work Works in Community

Return to Work Works in Community

1/3/23 is the Best Day to FEEL the Value of Return to Work

1/3/23 is the Best Day to FEEL the Value of Return to Work

Five Ways to Re-Boot Your Work Comp Program in 2023

Five Ways to Re-Boot Your Work Comp Program in 2023

Leverage 3 Different Types of Transitional Work Programs

Leverage 3 Different Types of Transitional Work Programs

The Employee’s Role In Return To Work

The Employee’s Role In Return To Work

Customize Return To Work Strategy For Employee Personalities

Customize Return To Work Strategy For Employee Personalities

Say NO to “No Work” Doctor Diagnosis in Workers Comp Claims

Say NO to “No Work” Doctor Diagnosis in Workers Comp Claims
return to work

Use Return to Work to Lower Work Comp Costs

Use Return to Work to Lower Work Comp Costs

Reduce Work Comp Costs by Carefully Reviewing ‘Ability to Work’ Reports

Reduce Work Comp Costs by Carefully Reviewing ‘Ability to Work’ Reports

Return To Work Not As Hard With Work Hardening

Return To Work Not As Hard With Work Hardening

 


Pros and Cons of Return-to-Work

The “pros” of a Return-to-Work program will be the reduction of WC costs by 20% to 50% and the positive injured worker outcomes. The “cons” of a Return-to-Work program will be determined by how well your team communicates with your key stakeholders, including employees, claim adjusters, physicians, nurses, physical therapists, medical managers, insurance carrier administrators, and third party administrators.

Communication is Key to RTW Program Success

At the end of the day, to minimize the negative impact of worker injuries across the board, your RTW program has to be clear and applicable to all employees, which comes down to communication. The only real way to lower your workers’ compensation premium is to lower your experience modification factor.


FREE DOWNLOAD: “13 Research Studies to Prove Value of Return-to-Work Program & Gain Stakeholder Buy-In”

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History of Workers’ Comp and Return-to-Work

In the early part of the twentieth century, “The Grand Bargain” was negotiated to provide injured workers “no-fault” compensation for economic losses associated with work-related injuries and deaths. The compromise gave birth to the legal notion that, in most cases, workers’ compensation is an injured worker’s exclusive remedy against an employer.

Work Comp Grand Bargain
Workers Comp Grand Bargain and The 100 Year Old Lesson

The system wasn’t working for employees, and it wasn’t working for employers, either. Wild swings in these awards and most employees not being compensated for their injuries, so they created this system and came up with the grand bargain… READ MORE & WATCH VIDEO

WC National Conversation: Political Influence, History, And Current Major WC Issues
WC National Conversation: Political Influence, History, Current Major WC Issues

39 leading industry stakeholders—injured workers, employers, carriers, TPAs, injured worker’s attorneys, defense attorneys, medical providers, and state regulators—discuss important issues about where we are today and where we are going as an industry. WATCH VIDEO or READ TRANSCRIPT — DOWNLOAD DOCUMENTS

 


Covid-19 Issues for Return-to-Work

The COVID-19 pandemic is creating several challenges for members of the claim management team and other interested stakeholders. To overcome the challenge of effective claims handling, unlocking the power of technology and fostering an environment of responsiveness are key first steps. Manage any fear and anxiety within your organization through communication and expectations. Take the necessary steps to keep your employees safe, healthy and happy during the global health crisis.

For more information about this issue, visit the COVID-19 section of our blog.

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RETURN-TO-WORK RESOURCES

RTW Courses, Certification, and Guidebook

The Definitive Guide to Return-to-Work Best Practices The Definitive Guide to Return-to-Work Best Practices
Buy Online Course – $129

How to Coordinate Return-to-Work with ADA Compliance How to Coordinate Return-to-Work with ADA Compliance
Buy Online Course – $129


Certifide Master of Workers’ Compensation WC Mastery: Certified Master of Workers’ Compensation
Learn More – Just $897

Guidebook: The No Holds Barred Definitive Guide to Return to Work Best Practices Guidebook: The Definitive Guide to Return-to-Work Best Practices
Buy Book – $39.95 – Free Delivery

 


Return-to-Work Tools

10 Tips to Improve Your Return to Work Program

Employers who successfully manage their workers compensation cost understand the importance of a strong Return to Work program. When an employee returns to work as soon as he is medically able, the indemnity payments are decreased, the medical and rehabilitation…

10 Tips to Improve Your Return to Work ProgramRead More

Surveillance and Its Proper Use In Work Comp Claims

In January, Democratic state Rep. Sal Pace of Colorado introduced a bill designed to significantly restricted the use of surveillance on workers’ compensation claims. The bill, endorsed by the plaintiff’s bar and labor unions, would make surveillance nearly impossible by…

Surveillance and Its Proper Use In Work Comp ClaimsRead More

Success Story: 4 Keys to 79% Workers Comp Cost Reduction

Trinity International Corp., a holding corporation for 89 other and various companies, recently reduced incurred workers’ compensation losses by 79%; medical costs by approximately 50% and 99% of injured employees returned to work within 10 days. Trinity teaches its divisions…

Success Story: 4 Keys to 79% Workers Comp Cost ReductionRead More

Success Story: Medical Cost Controls Helped Reduce WC Costs 60%

Trinity International Corp., (name changed) a holding corporation for 60+ companies, reduced incurred workers’ compensation losses by 60%; medical costs by approximately 50% and 99% of injured employees returned to work within 10 days. Trinity teaches its divisions to manage claims…

Success Story: Medical Cost Controls Helped Reduce WC Costs 60%Read More

Success Story: How One Company Reduced Workers Comp Costs Sixty Percent

Trinity International Corp. (name changed), a holding corporation for 60 other and various companies, recently reduced incurred workers’ compensation losses by 60%; medical costs by approximately 50% and 99% of injured employees returned to work within 10 days. Trinity teaches…

Success Story: How One Company Reduced Workers Comp Costs Sixty PercentRead More

NEW YORK Workers Comp Employers RTW and Permanent Partial Disability

PPD Claims in New York and Claim Strategy Effects on Employers The March 13, 2007 changes in the New York work comp law regarding permanent partial disability (PPD) claims will trigger radically new claims strategies. Employers should be aware of the…

NEW YORK Workers Comp Employers RTW and Permanent Partial DisabilityRead More

Four Successful Job Accommodation Strategies for Unhappy Employees

When Returning Employees to Work Remember: It’s All Attitude Dissatisfied Employees The active-dissatisfied employee who is really unhappy with his/her situation will actively attempt to take advantage of the system. The proper response in attempting to return this person to…

Four Successful Job Accommodation Strategies for Unhappy EmployeesRead More

Developing Cost Containment Strategies for Satisfied Employees

When Returning Employee to Work Remember: It’s All Attitude There really is more than one way to return an injured employee to work. The difficult part is matching the right return-to-work strategy to the particular worker. Considering the personality and…

Developing Cost Containment Strategies for Satisfied EmployeesRead More

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National RTW External Links
(all links open in new window)

Official websites of the United States government.

  • U.S. Department of Labor’s Office of Workers’ Compensation Programs (OWCP)
  • Federal Employees’ Compensation Program
  • Longshore and Harbor Workers’ Compensation Program
  • Federal Black Lung Program
  • Energy Employees Occupational Illness Compensation Program

 


State-by-State & U.S. Territory External Links
(all links open in new window)

ALABAMA THRU NEBRASKA

  • ALABAMA
    • Workers’ Compensation – Alabama Dept. of Labor
    • FAQ
  • ALASKA
    • Alaska Workers’ Compensation Division
    • Light Duty Return to Work
  • ARIZONA
    • Industrial Commission of AZ – Workers’ Comp
    • Info for Injured Worker (PDF)
    • Official Disability Guidelines
  • ARKANSAS
    • Arkansas Workers’ Compensation Commission
    • Basic Facts
  • CALIFORNIA
    • California Dept. of Industrial Relations
    • Division of Workers’ Compensation
    • Return-to-Work Supplement Program
  • COLORADO
    • Colorado Department of Labor and Employment – Workers’ Compensation
    • Employer Guide (PDF)
    • Injured Worker Guide (PDF)
  • CONNECTICUT
    • State of Connecticut Workers’ Compensation Commission
    • Vocational Rehabilitation Services
    • RETAIN CT: Retaining Employment and Talent After Injury/Illness Network
  • DELAWARE
    • Workers’ Compensation – Delaware Department of Labor
    • FAQ & WC Navigation
  • DISTRICT OF COLUMBIA
    • Office of Workers’ Comp – Dept. of Employment Services – DC.gov
    • Business Services
    • FAQ (PDF)
    • Employer’s Return To Work Guide (PDF)
  • FLORIDA
    • Florida Division of Workers’ Compensation
    • Return to Work
    • FAQ
  • GEORGIA
    • Georgia State Board of Workers’ Compensation
    • FAQ
    • Early Return-to-Work Best Practices (PDF)
    • Employers Model Return to Work Program (PDF)
  • GUAM
    • Workers’ Compensation Commission – Guam.gov
    • Questions and Answers
  • HAWAII
    • State of Hawaii Disability Compensation Division
    • FAQ
  • IDAHO
    • Idaho Industrial Commission
    • Employers FAQs
    • Injured Workers FAQs
    • Facts for Injured Workers (PDF)
    • An Injured Employee’s Return to Work and the Impact on Worker’s Comp Exposure (PDF)
  • ILLINOIS
    • Illinois Workers’ Compensation Commission
    • Resources for Employees
    • Resources for Employers
  • INDIANA
    • Workers’ Compensation Board of Indiana
    • FAQ
    • Nurse Case Manager Guidelines
  • IOWA
    • Iowa Division of Workers’ Compensation
    • FAQ
  • KANSAS
    • Workers Compensation – Kansas Department Of Labor
    • Shared Work Program
    • Accident Prevention Program
    • FAQs
  • KENTUCKY
    • Kentucky Department of Workers’ Claims
    • Employers
    • Injured Workers
    • Overview (PDF)
  • LOUISIANA
    • Louisiana Workforce Commission – Workers’ Compensation
    • FAQ
  • MAINE
    • Workers’ Compensation Board – Maine.gov
    • Injured Employee Resources
    • Employer Resources
  • MARYLAND
    • Maryland Workers’ Compensation Commission
    • FAQ
  • MASSACHUSETTS
    • MassHealth – Workers’ Compensation
    • Workers’ Rights & Safety – Workers’ Compensation
    • Re-employment Services and Eligibility Assessment – RESEA (PDF)
  • MICHIGAN
    • Michigan Workers’ Disability Compensation Agency
    • Employers Information
    • Workers Information
    • FAQ
  • MINNESOTA
    • Businesses – Workers’ Compensation – MN.gov
    • Workers – Workers’ Compensation – MN.gov
  • MISSISSIPPI
    • Workers’ Compensation Commission – MS.gov
    • Workers’ Compensation Facts (PDF)
  • MISSOURI
    • Workers’ Compensation – Missouri Labor – Mo.gov
    • Injured Workers Process
    • Employers Workers Compensation
  • MONTANA
    • Montana Workers’ Comp Regulations – MT.gov
    • Montana Workers’ Comp Claims Assistance
    • Stay at Work / Return to Work
  • NEBRASKA
    • Workers Information – NE.gov
    • Employers Information – NE.gov
    • Return-to-Work Services (Vocational Rehabilitation)

NEVADA THRU WYOMING

  • NEVADA
    • Employers Information – NV.gov
    • Injured Workers Information – NV.gov
    • Return To Productivity, Return To Work (PDF)
    • Shifting the Paradigm in Workers’ Compensation/a> (PDF)
  • NEW HAMPSHIRE
    • Workers Compensation Division – NH.gov
    • Temporary Alternative Duty
    • FAQ – Workers’ Compensation
  • NEW JERSEY
    • Department of Labor and Workforce Development – NJ.gov
    • FAQ
  • NEW MEXICO
    • Workers’ Compensation Administration
    • Return To Work (RTW)
    • Early RTW Initiative for Employers (PDF)
  • NEW YORK
    • NYS Workers Compensation Board
    • Return to Work
    • How to Use the Physical Demands Task Assessment (PDF)
    • Physical Demands Task Assessment (PDF)
  • NORTH CAROLINA
    • North Carolina Industrial Commission
    • FAQ
  • NORTH DAKOTA
    • North Dakota Workforce Safety & Insurance
    • Return to Work
  • OHIO
    • Ohio Bureau of Workers’ Compensation
    • Returning to Work
  • OKLAHOMA
    • Oklahoma Workers’ Compensation Commission
    • Guide for Employers (PDF)
    • Guide for Injured Workers (PDF)
  • OREGON
    • Oregon Workers’ Compensation Division
    • Employer – Return-to-Work Programs
    • Injured Worker – Returning to Work
  • PENNSYLVANIA
    • Department of Labor & Industry – PA .gov
    • Employer WC Services
    • Employer FAQ
    • Injured Worker WC Services
    • Injured Worker FAQ
  • PUERTO RICO
    • Puerto Rico Industrial Commission
    • Occupational Safety and Health Administration – U.S. Dept. of Labor
  • RHODE ISLAND
    • Rhode Island Dept. of Labor and Training Workers’ Compensation
    • FAQ
    • Return to Work: A Foundational Approach to Return to Function (PDF)
  • SOUTH CAROLINA
    • South Carolina Workers’ Compensation Commission
    • Employer Coverage and Compliance FAQs
    • Injured Workers Claims FAQs
    • Early Intervention in Chronic Pain and Delayed Recovery (PDF)
  • SOUTH DAKOTA
    • South Dakota Workers’ Compensation – SD.gov
    • Returning to Work
    • Employee’s Guide to Workers’ Compensation (PDF)
  • TENNESSEE
    • Injuries at Work: Bureau of Workers’ Compensation – TN.gov
    • Returning to Work After a Work-Related Injury
    • FAQ for Injured Workers
    • Beginner’s Guide to TN Workers’ Compensation
    • Employer’s Return-to-Work Toolkit (PDF)
  • TEXAS
    • Workers’ Compensation – Texas Department of Insurance
    • Return to Work – Employees and Employers
    • Return-to-Work Program – State Office of Risk Management
    • Successful Return-To-Work-Program
    • Texas State Employees’ Workers’ Compensation System
  • UTAH
    • Employers’ Guide to Workers’ Compensation – Utah.gov
    • Workers’ Compensation – Utah Insurance Department
  • VERMONT
    • Workers’ Compensation – Vermont Department of Labor
    • FAQ
  • VIRGINIA
    • Virginia Workers’ Compensation Commission
    • WC Glossary of Terms
    • Employer Information
    • Injured Worker Information
    • Injured Worker FAQs (PDF)
  • WASHINGTON
    • Washington State Dept. of Labor & Industries
    • Helping Workers Return to Work
    • Safety & Health
    • Return to Work Toolbox
    • Light Duty/Transitional Job Wizard
    • Job Offer Letter Wizard
  • WEST VIRGINIA
    • Workers’ Compensation – West Virginia Division of Personnel – WV.gov
    • Workers’ Compensation – Offices of the Insurance Commissioner
  • WISCONSON
    • Wisconsin Dept. of Workforce Development – Worker’s Compensation
    • Returning to Work Early
    • Return to Work Considerations
    • Facts for Injured Workers
  • WYOMING
    • Business Workers’ Compensation – Wyoming Dept. of Workforce Services
    • Injured Workers Workers’ Compensation – Wyoming Dept. of Workforce Services
    • FAQ for Workers
    • Claims Overview
    • Guide to Workers Compensation in Wyoming (PDF)
    • Injured Worker’s Guide to Reporting an Injury (PDF)
    • Employer’s Guide for Return to Work Program (PDF)
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FREE DOWNLOAD: “13 Research Studies to Prove Value of Return-to-Work Program & Gain Stakeholder Buy-In”


Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker, attorney, or qualified professional.

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