A Return-To-Work (RTW) program is a planned and organized system to provide temporary modified jobs to employees who are injured on the job. A Return-To-Work program aims to reintroduce employees to meaningful employment and productivity sooner than would have been possible otherwise. Return-To-Work benefits injured employees by accommodating their physical restrictions and allowing them continuity in their work lives. It benefits employers by increasing morale and productivity and help lowering the costs associated with workplace injuries – including the cost of workers’ compensation insurance.

The cost of workplace injuries and illnesses can be staggering to an employer. Creating a safe work environment is the first and most critical step in reducing costs. If an employee, however, is injured on the job a RTW program is essential in mitigating costs and supporting the organization’s safety mission by:

  • Assisting the employee’s recovery and rehabilitation.
  • Returning the employee to his or her regular position sooner whenever possible.
  • Increasing productivity by reducing lost work days.
  • Proactively increasing morale and motivation while promoting goodwill within the work place.

Employers can have control over a significant portion of their workers’ compensation costs, and Acadia recommends all employers implement a RTW program as part of a comprehensive safety and cost containment initiative. Industry data suggests that an effective RTW program can reduce claims cost by 10-20%.

Most employers are subject to an experience modification factor – premium becomes impacted by the frequency and severity of workplace accidents. A RTW program can be an important part of controlling the experience modification factor and subsequently your premium. For details on how the experience modification factor is calculated and impacts premium, contact your independent agent or your Acadia Insurance underwriter.

Click here to download the full RTW Handbook