Worker’s Compensation is a mandatory form of insurance for employers in the United States. It protects against missed wages, disability and medical expenses of employees who were hurt on the job. But what if you don’t have Worker’s Comp insurance? There are always alternatives to this insurance including purchasing private insurance outside of a company or using other resources that can help you pay for these costs.
Alternatives to Worker’s Compensation
One alternative to worker’s compensation that has been used is counseling. An increase in the number of workers quitting their jobs following an injury may be addressed by using counseling to reduce the drawbacks of a disability.
This is also known as a return-to-work program, which tries to help those who have had an accident or injury to go back safely and quickly to work. Safety education is also important for people who are in jobs that require lifting heavy weights, carrying things, and other activities with greater risk of injury than most jobs.
Several states have used such programs to help workers return to their jobs. The goal is for the employee and employer to learn how to avoid injury.
The most common methods of return-to-work programs include a series of seminars, a safety course, an after-school class, or an occupational health clinic visit. A pamphlet “Getting Ready for Work” is given at job sites by program administrators or trainers, explaining safety rules and work practices and encouraging injured workers to attend classes. The course materials are also available for free at workplace libraries or public libraries.
Return-to-work programs often use volunteers to help injured workers during the initial recovery period. These workers are known as advocates, and their role is explained in detail in this article. Sometimes the program has more than one advocate for each worker and sometimes the advocates work with other workers but also monitor the worker’s progress. The advocates or volunteers are often someone who has recovered from a similar injury, such as a fellow worker.
One reason for the popularity of these programs is their cost-effectiveness because they don’t always use the expert care of a physical therapist. It has been shown that personalized attention from one trained and experienced professional can be more effective than seeing someone at random. This is also true for mental health problems, which are common after an injury in which workers have difficulty going back to their jobs.
Alternatives to worker’s compensation are an interesting discussion because of the many approaches and ideas on how to help those who have been hurt on the job. This article has given a few examples of what some other states are doing and how they have been able to provide solutions for their injured workers.