Workers' comp form nearly one in five employers with an HDHP report an increase in illegitimate workers’ comp claims since 2017—almost three times as many as those without an HDHP. (Photo: Shutterstock)

Employers that offer accident or short-term disability insurance to their workers might derive another benefit: a drop in fraudulent workers’ comp claims on injuries actually sustained outside the job because employees couldn’t afford the out-of-pocket costs, according to Guardian Life’s report, “Risk Redirect: Using Group Accident and Disability Insurance to Reduce Illegitimate Workers’ Compensation Claims.”

Nearly half (46 percent) of the 1,500 employee benefits decision-makers surveyed by Guardian report a decline in workers’ compensation claims after offering accident or short term disability insurance. More and more employers are offering accident and/or disability insurance plans to help offset out-of-pocket costs and bridge gaps in high-deductible health plans – which also can deter workers from reporting an off-the-job injury as a workers’ comp claim in order to avoid paying for hospital or doctor bills, according to the report.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.

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