Texas Mutual Workers' Compensation Insurance - Work Safe, Texas

Why Wellness Matters in Workers’ Comp

See How Wellness Works at Texas Mutual

Unhealthy habits like smoking, maintaining a poor diet and not exercising account for 80 percent of chronic illnesses worldwide. Unfortunately, those illnesses are affecting employees both at work and at home. Research shows an increasing link between wellness and workers’ comp costs, making employee health a growing concern for Texas businesses. There’s no doubt that healthy employees are more productive, miss fewer work days and have lower health care costs, but does employee health make your people safer? That’s the conclusion of a Duke University study that showed employees with lower BMI (Body Mass Index) scores had fewer accidents compared with employees with higher BMI scores. When accidents did happen, the workers with lower BMI scores were able to recover quicker and get back on the job sooner.

Workers’ Comp Claims In 2013, employees with high BMI scores had almost twice the number of workers’ comp claims as those with low BMI scores.

Higher BMI Groups missed more than fifteen times as many work days as those with low BMI scores.

Medical Claims Costs are six times higher for those with high BMI scores than for those with low BMI scores.

Obesity Increases the Risk of Injury

According to the Center for Disease Control, more than 30 percent of Texans are obese. In 1990, that figure was fewer than 15 percent. As the problem increases, Texas businesses find themselves facing a higher risk and with greater liability.

On the job, obesity can contribute to a number of safety hazards including:

When injuries do occur, obesity also tends to slow the recovery process by:

Our Approach to Wellness

At Texas Mutual, we’ve made wellness a priority in our company for the same reasons we recommend it for your business. It’s the reason we require a health risk assessment and biometric screening for employees on our medical plan — and it’s why 97 percent of our covered employees participate in our health/lifestyle incentive programs.

By tracking the progress of participating employees and offering incentives for positive results, we’re protecting our people and our company. Our in-house wellness initiatives include:

What You Can Do

Implement an incentive-based plan that fits the needs of your company. Whether you’re looking for a specific program for a group of employees or a company-wide wellness platform, there are a variety of available tools to help make it happen.

Recommended wellness initiatives cover a wide-range of offerings, including:

Tips for a Successful Wellness Program

Lead by example. Your employees will look to management for direction, so encourage those in supervisory positions to take part in your initiatives.

Create a culture of wellness. Make wellness part of your company lifestyle by sponsoring group activities and providing the tools that make wellness possible.

Encourage and support employees efforts. Incentivize your wellness programs, and reward employees who meet goals.

Communicate often and reinforce messaging. Make wellness updates part of your staff meetings, newsletter, internal emails and corporate communications.

Share success stories. Publicize successful results to encourage others to reach a higher level.

Recruit wellness speakers. Speakers motivate, educate and inspire, so consider bringing in experts to energize your program.

Apply fair and uniform standards. Keep your goals realistic, your incentives attainable and your requirements consistent to ensure continued interest.