Guardian’s latest report from the 7th Annual Workplace Benefits Study explains a way of using accident and disability insurance to help employers in managing risk and lowering costs associated with workers’ compensation claims.

Despite the downward trend in overall workers’ comp claim frequency, questionable claims are on the rise among certain workforce segments. Specifically, workers in high-deductible health plans (HDHPs) are more likely to report off-the-job injuries as workers’ compensation claims in order to avoid out-of-pocket costs and receive wage replacement benefits.

Employers who offered group accident and/or disability plans to their workforce to help pay for expenses not covered by their benefits programs reported a decline in overall workers comp claims.

The right insurance impacts the way workers file claims

2020 Risk Redirect Study Graphic

Read the Risk Redirect report to find out if this approach is right for your organization.


Unless otherwise noted, all information contained in this report is from the 7th Annual Workplace Benefits Study (2020). The Guardian Life Insurance Company of America (Guardian), New York, N.Y. Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America.®

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