Health and Wellness Rooms: A New Year’s Resolution to Keep Injured Employees Productive

As the year comes to a close, many people are thinking about their New Year’s resolutions. Businesses should be no different. It is time to evaluate your company’s plan for your injured workers. Make a resolution to give your injured workers a place to recover from their injury. Help them return to work and cut time loss and extra expenses from a worker’s comp claim.

Health and Wellness Rooms are a perfect fit for many companies looking to reduce their premiums and save money, especially when looking at your end of the year bottom line. Get your business out of the red and back into the black. Putting a Health and Wellness Room in your IIPP (Injury and Illness Protection Program) can help you save thousands of dollars and reduce your Insurance E-Mod rating.

Health and Wellness Rooms can provide your injured employee with knowledge and understanding of their injuries. It is a great place to track your employee’s progress during their recovery.  “Out of sight, out of mind” is a very relevant phrase when it comes to work comp claims. If you’re not monitoring their progress, or whether or not they are even following the plan given to them by their doctor, their injury can cost your business several thousand dollars.


E-Mod: Know it. Understand it. Reduce it.

Workers’ compensation insurance is a little complex, at times. Finding ways to save on workers’ compensation costs requires innovation on the prevention side, and a little savvy on the financial side.

A key factor for determining the amount of premium you will pay is the Experience Modifier (E-Mod). This is the multiplier applied to your manual premium rate, which determines how much premium you will be charged. If you are self-insured or have a high-deductible plan, your equivalent of the E-Mod is the Loss Development Factor (LDF).

Your injury prevention programs are the first line of defense. Decreasing the frequency of claims has a big impact on the E-Mod. Proof:Positive can help your organization drive claim frequency down through their Injury Prevention Programs, Ergonomics Evaluations and Safety Training. Investing a small amount in prevention can pay big dividends each year at policy renewal time.

It is also important to work with the right professionals once a claim has occurred. By utilizing health care professionals that understand the concepts of early return-to-work and streamlining the claim process, you can greatly reduce the severity of the claim. By delivering appropriate care and re-introducing the employee to the workplace in a timely manner, Proof:Positive helps “cut the tail off” of workers’ compensation claims. This will help drive your E-Mod down, as well.

By viewing just the workers’ compensation finance costs, the ROI on the prevention/claim management investment is compelling. If productivity increases are considered, these investments become imperative. Contact Proof:Positive to capture these savings, today!