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Return to Work Programs

Without an RTW Program, You Lose Money



If you don’t already have an established return-to-work (RTW) program, the time to start one is now. According to the National Council on Compensation Insurance (NCCI), lost time accounts for more than 40% of the total cost of an average workers’ compensation claim.

  • After 12 weeks away from the job, there is only a 50% chance of employees with a work-related injury returning to work.

  • By six months, the chance drops below 20%.

  • After a full year, only about 1% of employees have a chance of returning to work.


Employees Win with RTW

  • They remain productive members of the work force.

  • They know that they are valued.

  • They know what to expect from their employer.

  • They return to their normal wages more quickly.


Employers Win, Too

According to a study by Crawford & Company, employers with an RTW program report an average of 5.1 weeks for injured employees to reach maximum medical improvement compared to 13 weeks for companies without a program in place.

  • RTW programs have a positive impact on overall workers’ compensation experience mods, lowering insureds’ premiums.

  • Getting employees back to work helps keep premiums down.

  • Showing workers you care creates a positive work culture, cutting down on injury and costs.



Count on JLA For Workers' Compensation Assistance

In Michigan, every employee must be insured under a workers' compensation insurance policy. JLA Insurance Group has a wide range of solutions to assist with the best workers' compensation programs.


If you need assistance with your workers compenstion insurance policy, please contact us today! The reason we chose to be an Independent Insurance Agency is so we can provide you with multiple options. We recognize that everyone's situation is different and the ability to contact multiple insurance carriers helps us tailor a policy specifically for you. Our team is waiting to provide expert guidance and advice.