Employer Solutions: Risk Management and Employee Benefits

Jai Hooker@Work

Making the Connection: How Risk Management and Employee Benefits Fit Together

By John Montone, Head, Workers’ Compensation and Disability Claims, The Hartford; Allison Scaia, Head, Health Services, The Hartford

While risk managers are keenly focused on workplace safety and workers’ compensation, it’s important for them to have a working knowledge of all benefits to ensure employees can access available benefits. Human resources (HR) professionals and risk managers should work together to support employees with job-related injuries and nonwork-related conditions. Here are some key areas on the benefits side with which risk managers should be familiar.

Coordination and Compliance

An employee out on workers’ compensation may be entitled to job-protected leave under the federal Family and Medical Leave Act (FMLA). However, a recent examination of employer claims showed that 71% of workers’ compensation claims with three or more days of approved absences were not coordinated with the employee’s eligible FMLA time. And failure to initiate FMLA leave for workers’ compensation claims due to incorrect tracking or not coordinating leave can be costly to employers and fail to protect workers.1

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