It's a universal truth that the longer an employee is absent from work after a job-related injury, the harder it is to return to work at all. Workers' Compensation costs for the employer are higher as well including those related to business expenses such as lost productivity, overtime, decreased morale, increased premiums, and the costs of hiring and training a new employee to replace the injured employee.

An on-the-job injury is the proverbial rock-and-hard-place scenario that spawned Stay-at-Work programs. If planned and executed correctly, Stay-at-Work (and its close cousin, Return-to-Work) provide paths to bring injured workers back to light-duty or transitional work quickly and safely. Both are crucial in controlling Workers' Compensation expenses.

Some employers aggressively develop innovative ways to minimize costs related to worker injuries. Others simply shrug their shoulders at the current insurance landscape, figure they have to pay what they owe, and grudgingly write the checks. It doesn't have to be that way. For employers with significant Workers' Compensation expenditures, a Stay-at-Work program is a proactive way to reduce direct labor expenses.

Recommended For You

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.