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The Direct and Indirect Costs of Healthcare Claims

Direct Cost 

Medical treatment, Prescription costs, Insurance premiums

Indirect Costs

Overtime due to staff coverage during absence of injured worker

Accommodation for modified duty

Increased absenteeism

Decreased morale

Legal and investigation costs

Presenteeism: when an employee comes back to work too early and is less productive than in a healthy state

Replacement worker costs

Advertising and recruiting if employee doesn’t return to work

Orientation and training costs