With a sickness absence insurance policy you know that your salary expenses for a sick employee will be reimbursed. The total expenses as a result of a sick employee, however, do not only come from the salary loss; in reality the costs are at least twice as high . This comes, for example, also as a result of the social charges, the pension scheme, the missed turnover, and the cost of having to hire a temporary employee to do the work. In many cases they turn out to be more expensive than the employee they are replacing. A good sickness absence insurance not only pays back your losses, but also assists the employer to keep the employee absence as low as possible. For example, with the case manager assisting the employee during his or her absence from work.
Good safety, health and welfare service support (Arbodienstverlening) is just as important as an appropriate sickness absence insurance. Apart of it's importance to the company (reducing sickness absence) and the well-fare of the employee (the conservation of good health), several other factors also apply. Companies must therefore establish a good policy for working conditions and sickness absence, and carry them out accordingly. Thereby, the expert support of a specialized consultant , or even an inhouse doctor is necessary.
80% of the employee absence is usually not the result of a medical problem. Past research from our own records show that different types of specialized support can greatly influence the level of employee absence at a company. Summing up some of the figures:
Three years ago, our own research also showed that there was a striking 38 % improvement in employee absence reduction, when the specialized consultant works with a case manager in comparison to a traditional specialized consultant.
In fact, on an hourly basis the case manager is less expensive, gets more time to build a personal relationship with the company and employees, is more targeted when it concerns the personal situation of an employee. Consequently, he can get a faster grip on the potential causes of the medical complaints. When we draw up a conclusion of the different approaches, the in-house doctor can conclude that the employee's problem is stress-related, while the case manager, on the other hand, will focus on the reason for the stress: like is he or she unable to handle their workload? Do they have relational or debt problems? When there are relation problems or debts? These reasons are not removed by taking more rest, but by taking other measures, such as debt consolidation and personalized coaching.
In our own authorization company, “Groene Hart” several insurers have authorized us to accept insurance on behalf of the insurer, based on certain conditions and pricing. This makes this insurance very attractive, given the acceptance conditions:
As a result of the short communication lines between our case managers and the insurance team, we make optimal use of the possibilities offered by insurers to participate in paying for re-integration projects. Like this we can assist you the employer to maximize your profitability.
To immediately get an analysis of your present insurance, please fill out the employee absenteeism scan form. To get the absenteeism scan please contact one of our advisers. From this data we will look at the most appropriate insurance solutions for you in coordination with the best available expert consulting services. We then provide you with a clear and concise proposal. In case your current insurance scheme is still the best option, we will also look at improving your overall staff absenteeism management.
For detailed information on the best employee absenteeism insurance and specialized consulting contact our specialist in the field of social care, income and workers incapacity, and compensation: Lisette den Blanken, Arthur de Jong and Clarie Bergamin.