Frequently Asked Questions
What is Non-Occupational Injury Management?
Non-Occupational Injury Management involves managing employee absences resulting from injuries or illnesses that did not occur at the workplace. SFC helps employers manage Short-Term Disability (STD), Long-Term Disability (LTD), medical leaves and return-to-work processes while maintaining appropriate communication with employees, healthcare providers and insurers.
Why should an employer actively manage STD and LTD claims?
Active management helps employers stay connected to employees throughout an absence, understand their functional abilities, and identify opportunities for a safe and successful return to work. It also helps ensure the employer is meeting its duty to accommodate under the Ontario Human Rights Code, while maintaining appropriate documentation, communication, and a consistent approach to disability-related absences. SFC works with the employer, employee, healthcare providers and insurers to coordinate the process and support a sustainable return to work.
Can SFC manage both workplace and non-workplace injuries?
Yes. That’s one of our key advantages. SFC can manage both occupational and non-occupational injuries, giving employers one coordinated approach to employee absence and return to work. This eliminates unnecessary duplication and helps ensure the same return-to-work and accommodation principles are applied regardless of where the injury occurred.
What provinces do you service?
We provide full-service workers’ compensation management and claims support across Canada, with the exception of Quebec. Our team has expert knowledge of the workers’ compensation boards and requirements in each province, helping your organization navigate claims, processes, and requirements with confidence.
Does SFC replace our insurance company or disability insurer?
No. The insurer continues to administer the applicable STD or LTD benefit. SFC works alongside the employer and insurer to manage the workplace side of the absence—including communication, functional abilities, accommodation, return-to-work planning and coordination. This gives the employer an active role in managing the employee’s return rather than simply waiting for the insurer’s process to unfold.
What if an employee is having difficulty returning to work?
SFC can help identify what is preventing a successful return and work with the employer, employee, and appropriate healthcare professionals to develop a practical solution. This may include modified duties, graduated hours, workplace accommodations, functional abilities assessments or other strategies designed to support a sustainable return to work.
Can SFC manage an employee's workplace and non-workplace injuries together?
Yes. SFC provides integrated occupational and non-occupational injury management, allowing employers to manage claims, STD/LTD absences, accommodations, and return-to-work planning through one coordinated process. This reduces duplication, improves communication, and gives employers greater visibility over their overall workforce absence and injury management.
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