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Hal Hargrave Jr., left, who is paralyzed from the neck down after a car crash when he was 17, shares a laugh with his trainer Chris Fitzgerald during his physical therapy session at a gym in Claremont, Calif., Wednesday, Dec. 19, 2012. (AP Photo/Jae C. Hong)

DENVER – Physical therapy, in many instances, can get injured workers back on the job on a fairly predictable timetable. But, experts say, physical therapy works best when the injured individual is covered by an insurance plan that includes a specific treatment regimen. Too often, a study by the Network Synergy Group suggests, that doesn’t happen — and it extracts a considerable price from employers.

Dan Cook


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