How to Resolve Difficult (Impossible) Claims: Overcoming Obstacles to Return to Work

How to Resolve Difficult (Impossible) Claims: Overcoming Obstacles to Return to Work

Ever tried home-based employment?  Claims which have a year or more of lost time have a very small likelihood of resolving and are likely to hit the statutory limits of indemnity and medical costs.  Some analysts think over half of all workers' comp costs are generated by these 'year +' cases.  Reserves on these challenging files will almost always be in six figures and may approach one million dollars.

Characteristics of “impossible” files include:

  • very limiting medical release (or none)
  • poor labor market  
  • mobility/ambulation problems
  • transportation difficulties
  • special conditions inhibiting employment such as latex allergy, disfigurement, incontinence, or pain management.  

Another factor which is especially difficult to resolve is the injured worker’s motivation.  A recognized feature of many of these cases is the injured worker’s unwillingness to sincerely pursue new employment options.  This is very hard to prove and conventional job development, work hardening and re-training programs are not effective by claimant’s determined not to work. For more cost savings tips go to WC Cost Reduction Tips.

I recently found a resource that resolves these difficult claims. I do not recommend many companies, but I recommend looking into this company for difficult claims. Through a strategic alliance with a well-respected company (20+ year’s experience), CATALYST RTW can offer genuine home-based jobs in the customer service industry.  The jobs have modest entry requirements (less than a high school diploma) and show realistic transferable skills for the vast majority of claimants.  While the employment threshold is low, the jobs pay from $9-17 an hour and there is a good benefit package and career ladder.

CATALYST RTW has developed a uniquely effective return to work program which has successfully overcome any and all of the obstacles which have prevented prior return to work efforts from succeeding. CATALYST has been effective in 30 states and on Longshore and Defense Base Act files. or

So, when your claimant has managed to thus-far dodge your return to work program, or is genuinely unable to return to work, this may be an option. For more ideas about how to get employees back to work go to:  If you try Catalyst, please let me know how it works for your company.

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Do not use this information without independent verification. All state laws are different. Consult with your corporate legal counsel before implementing any cost containment programs.

© 2008 Amaxx Risk Solutions, Inc.  All rights reserved under International Copyright Law. Reprinted with permission. This blog originally appeared on WorkersCompKit Blog 

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