Abstract
BackgroundEarlier studies indicate a correlation between disability claims experience and return to work outcomes. Thus, the insurer’s role and actions may affect the self-rated health of the disabled worker and the outcomes of occupational rehabilitation. This study diversifies the existing empirical evidence on the role of the insurer in the rehabilitation process and reveals the critical actions that best promote success.Materials and methodsExplorative factor analysis (EFA) and confirmatory factor analysis (CFA), followed by binary regression, were used to analyse survey data of disabled workers (n = 661) who had undergone an occupational rehabilitation within an earnings-related pension insurance system in Finland.ResultsThe claimant’s perceptions of the insurer’s (1) high-quality informing and guidance, (2) customer orientation, (3) smooth process flow and (4) positive service attitude had substantial and statistically significant effects on the success of occupational rehabilitation after adjusting for all likely confounding variables.ConclusionsThe insurer’s actions are significant predictors of the outcome of occupational rehabilitation. The insurer can promote the health of rehabilitees most effectively by ensuring a smooth process flow and adopting a customer-oriented approach.
Highlights
Earlier studies indicate a correlation between disability claims experience and return to work outcomes
The insurer can promote the health of rehabilitees most effectively by ensuring a smooth process flow and adopting a customer-oriented approach
Many disability insurance systems only cover injuries or illnesses if they are due to a specific cause, including workers’ compensation, automobile insurance and crime victim’s insurance
Summary
Earlier studies indicate a correlation between disability claims experience and return to work outcomes. While there are huge disparities between and within nations when it comes to public disability insurance systems, they still have common features regarding the compensation process and the role of the administrative body (whether it is a public social insurance agency or private insurance company). This organisation is usually responsible for the compensations and it interacts with all the stakeholders involved in the rehabilitation and return to work process [1,2,3]
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