Workers' compensation
Return-to-work programs
Getting an injured employee back to suitable work sooner usually helps both the worker and the claim.
- Write a policy before an injury happens
- List tasks that fit common restrictions
- Stay in contact with injured employees
- Coordinate with the treating provider and adjuster
Frequently asked questions
What is light duty?
Temporary work within medical restrictions.
Does it lower premiums?
It can reduce claim costs, which may affect future experience mods.
Is it required?
Generally not, though some states offer incentives.
More coverage and guides
- Workers' compensation insurance
- Employers' liability
- Class codes and payroll
- Certificates and compliance
- Multi-state payroll
- Lower-hazard employer classes
- Class codes by industry
- Experience mods explained
- Return-to-work programs
- Premium audits
- Application checklist
Last updated October 15, 2026 · How we research