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Reducing Instances of LTD through Functional Capacity Training

Some companies are able to do much better than other firms when it comes to hiring new talents to fill up vacant positions. This is because, rather than spending so much time browsing through resumes and spending even a longer time giving tests and interviewing prospected applicants, these companies rather entrust the selection and hiring of the best people, who can man the job, to functional employment testing firms.

According to the website of WorkSTEPS, employers who have sought these services have all experienced decreased turnover, increased worker productivity, safer work environment, reductions in lost time, diminished incidence of fraud and abuse, reduced modifier rates and workers’ compensation premium, and reduction in group health costs.

This is because functional employment screeners try to match jobs with candidates who can physically perform them. Thus, no job is offered to a wrong applicant and no applicant is ever offered a wrong job.

Being able to provide a job that perfectly fits the skills, capabilities, interests, stamina, etc., of the applicant is vital, especially when coupled with a focus on injury prevention rather than injury management. This eventually leads to the creation of a workplace that guarantees production and higher profits rather than incidences of violations of the workplace safety rules enforced by the Occupational Safety and Health Administration (OSHA) which can only increase instances of accidents that cause long-term disabilities (LTDs).

Purchasing a long-term disability (LTD) insurance plan can, at times, prove more important than a life insurance. This is because an LTD coverage can provide an injured individual the financial benefits that can temporarily replace lost income due to the disability (usually about 45-60% of the person’s wages).

In the event of an LTD, however, it is also necessary that the injured seek the help of a highly knowledgeable and skilled long-term disability lawyer when making insurance benefits claim. The website of the Hankey Law Office explains that many insurance companies employ tactics that will enable them either to delay or deny payment of benefits to disabled clients. This reluctance is obviously due to their desire for profitability; the greater the better. With legal representation, though, the victim’s lawyer will know how to legally argue against an insurance firm’s reluctant move to pay for the benefit of the disabled policy holder.