Despite the best training and safety equipment a company may provide, accidents happen. Carrying workers’ compensation coverage is legally required, but relying on your carrier is not enough. To keep claim costs low and premiums reasonable, a carefully tailored, well-executed return-to-work (RTW) policy, crafted to the particular business or industry, is critical. Here’s how to accomplish the goal.

Step 1: Implement a written RTW policy. The policy should apply to all employees regardless of seniority. It should be administered by one individual or team to ensure it is being handled consistently and correctly.