can individual companies can make changes in theiroperationsthat can create savings by reducing the severity of accidents on the job, considering:

• Return to Work Programs
• Providing health insurance benefits paid by the employer in whole or in part when determining average weekly wage and continuation of such benefit after an accident
• Paying for a private disability insurance policy for the benefit of employees as opposed to the employee paying for such a policy
• Drug-Free Workplace Program
• Selecting the injured worker's treating physician