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This will result in the reduction of the total costs associated with injuries while increasing productivity.

Our experience suggests that by aggressively managing injuries and facilitating return-to-work you can:

• Reduce workers’ compensation costs overall by 18.5 percent or more annually

• Reduce workers’ compensation medical costs between 10- 40 percent

• Reduce wage replacement or disability income replacement costs by between 14-25 percent

• Help reduce increasing health and disability costs, as well as, short-term and long-term-payments

A successful Loss Cost Management strategy is essential to the success of any company’s bottom line. Companies need to realize that by being proactive and managing workers’ compensation cost with prevention, effective injury management and return to work practices, they can have a competitive advantage in the industry by emphasizing employee safety and minimizing employee injuries.

A comprehensive return-to-work blueprint, including implementation procedures, is an important component of an overall loss cost management strategy. This collection of resources provides tools and guidelines for pre-injury planning, injury management and return-to-work.

This resource is designed to support development of, and/or enhance, your loss cost management efforts by reducing losses and increasing productivity. This tool will assist your company in its responsibility to establish and maintain an effective loss cost management process.

This guide is not a substitute for any part of an employer’s responsibilities regarding the return-to-work process and related policies, programs or activities. These guidelines and suggestions should not be relied upon without examining the dynamics within your organization.

Management commitment and support is key to the success of any loss cost management efforts. All levels of management within a company must be committed to the return-to-work process. By providing the appropriate resources, support and direction, upper management can send a strong message throughout the organization endorsing this process.

Introduction

2 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