Early intervention and rehabilitation: why insurers may offer help

By Chris Salmon | Updated: September 28, 2025

After a work injury, getting the right treatment quickly can make a big difference to your recovery. Employers’ liability insurers often offer early intervention or rehabilitation services as part of the claims process.

This support can help you return to work sooner, reduce long-term health problems, and lower the overall cost of the claim.

At a glance

Under the Rehabilitation Code 2015, insurers are encouraged to fund early treatment to support recovery (Source: IUA Rehabilitation Code)
Insurers may fund treatment such as physiotherapy, counselling, or specialist equipment.
Early rehabilitation is designed to speed up recovery and reduce time off work.
You do not have to accept treatment offered by an insurer, but it can be beneficial.
Support is separate from your compensation and does not reduce the amount you may receive.

What is early intervention?

Early intervention means providing medical or rehabilitation support soon after an injury. Instead of waiting for a claim to be resolved, insurers may arrange and pay for treatment while your case is ongoing. This approach recognises that the quicker you receive support, the better your chances of a full recovery.

Types of rehabilitation insurers may provide

Physiotherapy: to improve mobility and reduce pain after musculoskeletal injuries.
Counselling or CBT: to address anxiety, depression, or post-traumatic stress following an accident.
Occupational therapy: to help you adapt your home or workplace to your needs.
Specialist equipment: such as ergonomic chairs, braces, or mobility aids.
Vocational support: retraining or phased return-to-work programmes.

Why do insurers offer rehabilitation?

Insurers are motivated to fund early treatment because:

It often leads to a faster recovery and reduces long-term complications.
It helps employees return to work sooner, reducing wage loss claims.
It can lower the overall cost of the claim by minimising future care needs.

Does rehabilitation affect your compensation?

No. Treatment or support provided by an insurer is separate from your claim. You are still entitled to full compensation for your pain, suffering, and financial losses. Accepting early treatment will not reduce the settlement amount you may receive later.

Do you have to accept insurer-funded support?

You are not obliged to accept rehabilitation services arranged by the insurer. If you prefer, you can choose your own medical provider. However, insurer-funded treatment can be a practical way to access quicker support without upfront costs.

Real-world example

A construction worker injured his shoulder while lifting heavy materials. The insurer arranged for him to start physiotherapy within two weeks of the accident. This helped him regain movement faster and return to light duties within three months. Without early treatment, he may have faced a longer absence from work and ongoing problems with mobility.

External references

HSE: Rehabilitation - provides guidance on workplace rehabilitation strategies, including early intervention for work-related injuries.
GOV.UK: Compensation after an accident or injury - explains the role of insurers in funding rehabilitation as part of the injury claims process.
Acas: Health and safety - offers insights on employer responsibilities to support early rehabilitation for injured employees.
GOV.UK: Compensation Recovery Unit - details how insurers interact with rehabilitation costs and benefit recovery in injury claims.

About the author

Chris Salmon is a legal commentator and co-founder of Quittance Legal Services. He has written extensively about workplace accidents, employment rights and the claims process. Chris's work has been cited in national media and he regularly contributes practical guidance to help injured workers understand their options.

More about Chris and WAAC

Last reviewed September 2025 by Chris Salmon

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