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Incapacity to work: Why early action is crucial

Mental illnesses are on the rise, especially among young people, are increasingly leading to an incapacity to work and new disability pensions. Studies have shown that responding early significantly improves the chances of returning to work.
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According to disability insurance statistics, 50 per cent of newly registered disability pensions in 2024 were due to psychological causes, and with people under the age of 30 as the vast majority. This is a phenomenon that affects society as a whole: Mental illnesses, such as depression and anxiety disorders, have long ceased to be the exception – one in two people in Switzerland will experience mental illness at some time in their life. This is a continuation of a trend in mental health that has been apparent for some years.

Early detection and professional support: The key to success

In the case of mental illness, there is a good chance that the person concerned will be able to return to work or take on a new role. According to studies, the highest likelihood of a person returning to work is if the disability insurance organization (IV) is notified within 30 working days. As soon as a prolonged inability to work becomes apparent, it is important to involve the insurance organization as quickly as possible, as it can provide support with its expertise. It is therefore crucial that employers and employees take action as early as possible. The disability insurance organization (IV) is also increasingly focusing on integration instead of pensions.

Together back to work

Early detection pays off. Corporate health management and external advisory services support and train employers to recognize warning symptoms early and provide targeted support to affected employees. If an incapacity to work arises, Case Management supports employers and their employees personally on-site, to ensure a return to work that is as smooth as possible. To this end, individual reintegration plans are developed, taking into account the company's requirements and the health situation of employees. For a successful return, the case manager coordinates with medical service suppliers, disability insurance offices or authorities, and organizes partners and specialist agencies. The person concerned is treated with respect and is supported in their return to work, and this opens up new perspectives that promote the reintegration process and strengthen self-esteem.

Successful reintegration and job retention also bring benefits for companies, as the costs of sickness-related absences can be significantly reduced and a proven specialist is retained. Seeking support at an early stage and involving Case Management promotes recovery and can prevent long-term absences, helping to ensure the valuable know-how of the people concerned is retained.

What you can do as a company

  • Create a culture in which health counts: A good working atmosphere, appreciation and fair development opportunities are the foundation for counteracting mental stress. Openness, understanding and timely support make all the difference.
  • Arrange professional help: In the event of persistent stress or conspicuous changes, employers should not "wait and see," but rather actively approach those affected and offer early support from specialists – for example, from doctors, psychologists or coaches.
  • Report early and make use of support: There are cases in which it is helpful for experienced case managers to support those affected on their way back to work or to professional reorientation.
  • Flexible solutions and reintegration: With an individual return-to-work program, adjustments to everyday working life, coaching for teams, and targeted coordination with all those involved, reintegration is easier. This increases the likelihood of long-term success.

What you as an employee should know and can do

  • Take your own needs and boundaries seriously: Mental illness often progresses in waves – with good and bad weeks. If you recognize symptoms early and speak openly with superiors or people you trust, you can get help more quickly.
  • Make use of help offered: Case Management, self-help groups and company doctors are important points of contact. They provide support and advice – not only on returning to work, but also on professional reorientation.
  • Know that a return is possible: For some years now, disability insurance has been increasingly focusing on reintegration. With time, patience and support, many of those affected find their way back to a self-determined and independent life.
  • Play an active role and be patient: Experience shows that the process of returning to work takes time and patience – for those affected as well as for teams and managers. An open approach and taking an active role in the process promote healing.

Individual solutions: Practical examples from everyday life

In the event of prolonged absences due to illness or accident, the Case Management of our insurance partner Zurich Switzerland provides personal support to companies and employees, from the first day until their return or reorientation. The focus is on individual solutions, empathy and close cooperation with doctors, authorities and other partners. Stories from life:

  • Burnout is the decisive turning point for an IT specialist
    In an IT company, the managing director is suffering from burnout and is absent for weeks – a challenge for the whole team. The Zurich case manager accompanies her back to work and coaches the employees. This results in stronger employees and a stronger company in which stressful situations and solutions are discussed openly.
  • A new perspective for a forest warden
    An employee of a forestry company with 20 employees is diagnosed with an autoimmune disease with muscle weakness, and working with a chainsaw is no longer possible. The Zurich case manager supports him in finding a new job in a garden center – so he remains professionally active and finds new fulfillment.
  • A carpenter with an anxiety disorder starts in the office
    After a serious car accident, a carpenter develops an anxiety disorder and is no longer able to drive his car to visit customers. Together with Zurich and the disability insurance organization, he completes commercial training and moves to a role in the office of his longstanding company. There, he is once again fully capable of working and applies his technical knowledge to new tasks.

You can find out more about avoiding stress and preventing burnout here.

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