Employer Blog

Will an Onsite MSK Clinic Increase Our Claims?

Written by Karil Reibold, CEO | Sep 2, 2026, 4:00:00 PM

Her concern was simple: Bring care onsite, and claims will go up. Three years later, experience changed her mind.

The first time one of our onsite leaders met with an HR manager at a new location, the manager was very clear about her concern. She had seen onsite providers introduced at other companies, followed by an increase in claims. She wanted employees to receive care, but she did not want every ache and pain to enter the post-injury system.

It was a fair concern, and we did not try to talk her out of it. She needed to see how the clinic would work and what would happen after an employee raised a concern.

Over time, she saw that an employee walking into the clinic did not automatically create an injury claim. The onsite provider took the time to understand what the employee was experiencing, what work was being performed, and what level of care was appropriate.

For one employee, that might mean first aid, movement coaching, an ergonomic assessment and follow-up. Another employee might need physical therapy treatment, while a more serious concern might require outside medical care.

The goal was never to keep an employee out of the post-injury system when that was where the employee belonged. It was to avoid sending every concern there simply because there was no other clear pathway. The onsite clinic became the hub for deciding what should happen next: understand the concern, provide the appropriate level of care, and escalate when necessary.

The provider was not making those decisions alone. Cases were reviewed, the provider had clinical support, and there was clear guidance about when to treat conservatively and when to escalate.

The process was transparent and managed in partnership with the site. That oversight gave the HR manager visibility into how the clinic was operating and confidence that employees would receive the care they needed without being overtreated.

Three years later, she viewed the clinic very differently. No Power Point presentation changed her mind. Experience did. She saw that making concerns visible earlier did not lead to more injuries. She watched employees receive the appropriate level of care and saw the clinic become a trusted partner to the site.

Her original concern was real, and employers considering an onsite MSK clinic should ask the same question. Simply placing a provider onsite is not the complete answer. The answer is to make sure the onsite clinic is actively managed, the provider is supported, and every concern has a thoughtful next step. Employees speaking up is not the risk. What happens after they speak up is what matters.