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March 31, 2022

How Injury Prevention For Employees Reduce Benefit Costs and Absences

With auto-related accidents contributing to absenteeism and lost workplace productivity, accident prevention is a critical component of corporate wellness. Corporate wellness programs have traditionally concentrated on mental health, stress management, and physical well-being. The good news is that the statistics demonstrate that these initiatives are effective. It's a win-win situation for both businesses and employees. Happier employees are much more productive, leading to increased profits for the company.

While efforts stressing employee wellness have proved helpful, few firms consider the impact of vehicle crashes. According to Vartanian, who cites Statistics Canada, an estimated $10 billion in annual economic losses are from collision-related expenditures and missed productivity. So, it is essential to know about the preventive measures or the solutions to these problems as an employer.

The Employment Injury benefit

The following accident-at-work or employment-related diseases are covered by the employment injury benefit: sickness, temporary incapacity for work resulting in total or partial loss of earning capacity, and failure of support suffered by dependents as a result of the breadwinner's death.

Read more: Employers Can Help Employees With Substance Abuse During COVID-19

Occupational Safety and health

Compensation and prevention are inextricably linked in the workplace injury program, both conceptually and practically. It goes without saying that the best method to cut the expense of workplace injuries and illnesses is to limit their occurrence. Data on occupational accidents and diseases must be collected and analyzed to develop an effective preventative plan.

In this context, the reporting system can be expanded by exchanging broader data on occupational accidents and sickness, and compensation with associated institutions. Furthermore, a portion of the EII money may be set aside for occupational safety and health. A financial incentive, such as the EII's experience rating system, could be explored to encourage companies to spend more on prevention.

Therefore, good industrial accident prevention programs lower the number of beneficiaries and the cost of disability compensation, allowing for more stable financial conditions.

Read more: 5 Best Ways to Support Employee Wellness


Workers suffering from industrial injury and sickness can get the following benefits in kind or cash when an employment injury program comes in: 

  • Temporary incapacity cash compensation: Most workers' compensation systems offer monetary payments to injured workers until they return to work or have recovered to their full medical potential. Periods of absence from work due to rehabilitation programs that limit the permanent loss of earning ability are also included in temporary incapacity.
  • Permanent incapacity and survivorship benefits: Permanent incapacity payments are awarded once the injured person's medical condition has stabilized and the worker has completed any applicable vocational rehabilitation programs. When a worker dies due to a work-related accident or sickness, the survivors are compensated; the surviving spouse and children are always taken into account.
  • Medical expenditures and rehabilitation benefits can be paid under workers' compensation laws or public programs that are not confined to work-related injuries and diseases. In most cases, the wounded worker is entitled to receive the medical care they require to make a full recovery. The rehabilitation benefits cover the costs of the services needed to restore workers to employment and daily life.

Sustainability of employment injury schemes can be achieved by implementing policies to minimize the side effects of the disability through prevention measures, early-stage medical treatments, and rehabilitation.

Next read: Why You Must Consider an Employee Benefits Consultant


Employers might use "nudge theory" as part of a corporate wellness plan to assist workers in establishing healthier driving habits. There are apps that achieve just that in helping users improve their driving skills and receive benefits for excellent driving behavior, such as group insurance reductions.

We can urge individuals to drive without being distracted and reward them for it using nudge theory. From a group insurance standpoint, there are methods to introduce this at the plan sponsor level.

When integrated into a formal company wellness program, car accident avoidance can minimize benefit costs and absences. Showing workers that they are still a valuable part of the firm even when they are not working is another excellent strategy to improve morale and establish rapport.

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