Occasionally, employers combine workers' compensation, group healthcare, and disability programs into an integrated product known as 24-hour coverage. One true statement about 24- hour coverage is that it typically

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24-hour coverage allows plans to apply disability management and return-to-work techniques to nonoccupational conditions, which can improve overall health outcomes and reduce long-term disability costs. This type of integrated coverage also streamlines the administrative process for both the employer and the employee, reducing costs and increasing efficiency. It does not exempt plans from complying with state workers' compensation regulations and does not necessarily require separate databases of patient care information, as data can be integrated into a single system.

Occasionally, Employers Combine Workers' Compensation, Group Healthcare, and Disability Programs