Survey Detects Link Between Workers’ Comp Claims and High Out-of-Pocket Health Care Costs

Sixty percent of IPMA-HR members who responded to a Colonial Life survey in November 2018 agreed or strongly agreed that employees who have health plans that leave them with high out-of-pocket (OOP) costs could be more likely to report that an injury they sustained while off the job was a workplace injury.

At the same time, and based on their experiences in their own organization, just 10 percent of respondents indicated that the effect that a difficulty with affording uncovered care could have on workers’ compensation claims was a factor when considering employee benefits plans.

You can read the full report, Impact of Employee Out-of-Pocket Health Plan Costs on Reported Workplace, on our website.

Asked what could be done to mitigate the impact of high OOP costs on workers’ comp claims, a large majority of IPMA-HR members indicated that their insurance consultant should help them understand and manage the risk. As one respondent commented, “The broker should have a comprehensive and in-depth understanding of the entire employee benefit plan and how it intersects with all unintended consequences (including WC).”

The survey also explored the role of communication and the importance of wellness programs.

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