Proactive Rehabilitation Support Services
Providing timely support to injured employees
Proactive Rehabilitation Support is an additional benefit to the employers' liability section of your policy. This benefit allows the injured employee to access a return to work rehabilitation programme from the start of their medical treatment. This early intervention can speed up recovery times and increase the likelihood of a successful return to work.
Not only offering an independent assessment for injuries that occur at work, the rehabilitation services available can include physiotherapy, diagnostics, investigations and psychological support. The programme is designed to work closely with employers with the goal of getting the employee back to work.
Key benefits of Proactive Rehabilitation Support
How Proactive Rehabilitation Support cover benefits policyholders
Early intervention is key to the success of an injured employee’s rehabilitation. By not waiting for a formal claim to be submitted, we are able to deploy the right support to an injured employee at an earlier stage.
This early intervention can benefit policyholders by:
- Reducing the time for the employee to recover and return to work, therefore:
- Minimising the inconvenience to the business
- Lowering the need to engage temporary staff or work overtime to cover for the absent employee
- Helping the employee to return to the work duties they had before the injury
- Potentially reducing the possibility of a formal claim
- Increasing employee satisfaction following demonstrable support by the employer
- Bringing down claim numbers, leading to cost savings which can lower Employers’ Liability insurance costs
What is different about Proactive Rehabilitation Support cover?
Standard Employers’ Liability covers generally provide support to aid the recovery of an employee injured at work, once a formal claim has been submitted and after liability has been accepted by the insurer. If a formal claim is not submitted promptly, it could be months before any support is provided to help the employee recover.
This benefit provides rehabilitation support to an employee injured at work. The support is available before a formal claim is made or before liability is accepted, where such intervention is likely to result in a quicker recovery, and any payments will not appear in the client’s claims experience. Support to aid the recovery of employees injured at work can be deployed within days.
When Proactive Rehabilitation Support cover can be deployed
- The accident must have happened in connection with the business, during their employment, and while undertaking their normal working duties
- An insured business must notify us within 30 days of the employee being signed off by a medical practitioner for more than seven days
- The accident must have resulted in a certified absence and the employee must still be off work
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Talk to your underwriter
For more information on Proactive Rehabilitation Support, reach out to your underwriter.
Case studies
Stabbing injury while working in a shop
The insured notified Travelers of an employee who had sustained a stab injury during the course of their work in a shop. They sustained stab wounds to the chest, arm and back. The severity of the injury resulted in the employee being airlifted to hospital. With the employee’s agreement an initial need assessment was undertaken.
Recommendations were made for case management, fatigue management, physiotherapy and psychology. These were authorised and treatment commenced. Regular updates were shared about the progress of the treatment, as well as liaison with the insured employer regarding a return to work.
The employee was fully engaged and a gradual return to work was arranged. Within three weeks of starting back at work, they returned to their normal duties and hours.
Injury at work to non-dominant shoulder
An employee sustained a workplace injury to their non-dominant shoulder. After receiving one session of NHS physiotherapy, they were referred to Travelers Proactive Rehabilitation Support by their employer. Upon agreement from the injured employee, a telephone assessment was undertaken.
Initial recommendations were for case management, private physiotherapy and vocational rehabilitation. Ongoing physiotherapy was not helping, so a private referral was made to an orthopaedic consultant who recommended surgery. This was arranged via our diagnostic provider. The employee recovered well with further post-op physiotherapy (the NHS wait would have been more than a year).
We liaised with the employers and a gradual return to work was arranged for the employee and, within four weeks, they were back on full duties.
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