Most health insurance companies today offer premium discounts to employers who offer occupational health programs at the workplace. Health insurers know that when occupational health programs are implemented, claim activity decreases. Insurers want low claim activity as much as employers do. If the employers’ claim activity is low, the insurance premiums should be low. Health insurance companies want to encourage employers to create safe work environments.
Whether it is an office, a factory or at a construction site, employees are affected by the work environment. It can be lighting, noise level or even air quality. In offices carpal tunnel is becoming more common due to the heavy use of computers. In factories or at construction sites, bending and lifting can cause sprains and strains.
Employers, employees and health insurance companies all benefit from occupational health programs at the work place.