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Workers’ compensation insurance is an important and, in many states, required benefit that pays employees a portion of their salary when they are out of work due to an injury or illness sustained on the job. Because of the high direct and indirect costs of claims, employers are naturally looking for ways to reduce their workers’ compensation claims. Supplemental insurance benefits could be the answer.
Today’s workers’ compensation landscape
Claim severity is rising 5–6%, increasing the cost per claim.1
U.S. employers reported 2.5 million workplace injuries and illnesses in 2024.2
Known as the Monday Effect, workplace injury claims occur more often on Mondays, particularly for strains and sprains.3
How supplemental benefits can help
Supplemental accident and disability insurance can play a key role in reducing workers’ compensation pressure.
Why it works:
Provides financial support for off-the-job injuries.
Reduces reliance on workers’ compensation for borderline claims.
Helps employees recover faster and return to work sooner.
Improves overall workforce financial security.
A smarter benefits strategy
Today’s leading employers are leveraging supplemental coverage to help:
Find out how Aflac supplemental insurance coverage can support a more effective workers’ compensation strategy and help keep your workforce healthier, financially secure and productive.
Contact your Aflac representative to learn more.
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
1 NCCI. “2025 in Sight, 2024 in Review: The Latest Results for Workers Compensation.” Published 10.8.25. Accessed 5.29.26.
2 U.S. Bureau of Labor Statistics. “Employer-Reported Workplace Injuries and Illnesses.” Published 1.22.26. Accessed 5.29.26.
3 Frontiers. “Why are there more accidents on Mondays? Economic incentives, ergonomics or externalities.” Published 3.18.25. Accessed 5.29.26.
4 AmericanEconomicAssociation. “TheImpactofBenefitGenerosityon Workers’ CompensationClaims: EvidenceandImplications.” Published7.3.24 Accessed 5.29.26.
5 WorkCare. “Return-to-Work Programs: How to Create Pathways for Safe Recovery and Productivity.” Published 11.3.25. Accessed 5.29.26.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Accident: In Delaware, Policies A38100DE – A38300D E& A382OFDE. InIdaho, PoliciesA38100ID– A38300ID. In Oklahoma, Policies A38100OK – A38300OK & A382OFOK. In Virginia, Policies A38100VA – A38300VA, & A382OFVA. Not available in NY or PA.
Short-Term Disability: In Delaware, Policies A57600DE & A57600LB. InIdaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
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