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