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Transition Back To Employment Through Return-to-Work Programs

by AHIP

November 19, 2018

People depend on their paychecks to cover household expenses like groceries, housing, and transportation. When a person is unable to work due to a debilitating injury or illness, the lost paychecks can have a devastating effect.

That’s where private disability income protection coverage comes in, helping people when an illness or injury prevents them from working. Disability insurers offer return-to-work assistance to help ill or injured workers transition back to work.

The  return-to-work support plan is customized to each employee and can include the following services:

  • Coordination with the employer to help the employee return to work
  • Identification of adaptive equipment or job accommodations that could enable the employee to resume job duties
  • A vocational evaluation to determine how the employee’s disability may affect his or her employment options
  • Job placement services
  • Resume preparation
  • Job-seeking skills training

Private disability insurers’ return-to-work assistance eases the financial burden on public programs and American taxpayers, , according to an analysis by Charles River Associates prepared for AHIP. Nearly 65,000 employees rely less on or not at all on public disability programs each year, saving the federal government $2 billion.

For more information about return-to-work programs and disability income protection, visit our Disability Income Insurance issue page, where you’ll find a number of resources about how to protect working Americans from the risk of a disabling illness or injury.