The best way to reduce your overheads, including your insurance premiums is to keep a fit and healthy workforce, it reduces absences and it simply gets more done. Here are some tips I've gleaned in my reading up on the subject.
1 - Have a healthy working environment, don't try to work your employees within an inch of their lives, it doesn't give them the impetus to turn up fit and raring to go.
2 - Reward good attendance, don't get stuck on the negatives, try to encourage perfect attendance through incentivisation, be that, in the form of a bonus, or something other than pecuniary.
3 - If someone is often absent, try to find out the underlying problems and understand that everybody has different needs, some people may need a long time off in order to get back to full fitness.
4 - Remove barriers to getting back to work, it has taken the commercial sector up to this far to make every workplace fully accessible to everyone, and we still haven't got it completely right yet.
5 - If all else fails get in touch with a professional Human Resources and/or Occupational Health adviser there may be something fundamentally wrong that you just cannot see, that is what these people are there for.
The simple fact is that all of these things can help reduce your overall corporate health insurance premiums year on year and that is surely the best thing for everybody involved. Both you and your employees.
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