Case study: Glass manufacturer
avoids loss through Return-To-Work program
Insured
The business is a commercial glass manufacturer that employs 40-50 workers.
Situation
An employee suffered a shoulder injury while moving large plates of glass.
The immediate medical diagnosis by the treating physician was for two weeks
off duty. As a result, the employer was faced with a substantial indemnity
claim and potential increase in both Experience Mod and annual premiums
over the next three years.
Assessment
It was determined that the injured employee had made no effort to communicate
to the doctor that the company had a Return-To-Work program, instituted
by the Certified WorkComp Advisors (CWCA). Nor had the doctor taken the
initiative to learn about the program and available transitional opportunities
before submitting his medical evaluation.
Solution
The CWCAs contacted the doctor’s office on several occasions, explaining
the company’s Return-To-Work program, and how it would be beneficial
to the employer, employee and the doctor’s office. The doctor agreed
and re-wrote the evaluation, prescribing an immediate return to work on
restricted duty for two weeks. At the end of the 14 days, the employee returned
to full duty status.
Result
As a result of actions taken by the CWCAs, potential malingering and loss
time were avoided and the claim was kept out of the indemnity category.
This enabled the company to bypass a potential claim of $12,000 and a resulting
increase in its MOD and premiums. |