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Employee absence and disability are signifcant cost drivers for most employers. One of the best strategies for controlling costs is an effective return-to-work (RTW) process. RTW can dramatically reduce workers’ compensation costs (medical, indemnity, and legal costs) which can signifcantly impact your company’s bottom line.

It is estimated that organizations can spend as much as 14 – 21 percent of total payroll on both direct and indirect disability costs as a result of employees being off of work.

It is important for employers to establish sound RTW practices and provide some formalization around their company’s RTW policies. Some companies fear that it is too costly and time consuming to formalize their RTW program. The reality, based on industry estimates, is that for every $1 spent on RTW/SAW (Stay-at-Work), a company saves $10 - resulting in a 15-30 percent reduction in total program costs per year.

11 This is intended as a general description of certain types of managed care services available to qualifed customers through Zurich Services Corporation,

an individual member company of Zurich in North America. Zurich Services Corporation does not guarantee a particular outcome, reduction in costs or improvement in administration and further assumes no liability in connection with the providing of these services. ©2011 Zurich Services Corporation

Zurich

1400 American Lane, Schaumburg, Illinois 60196-1056 800 382 2150 www.zurichna.com