Which action is NOT allowed to reduce workers' compensation premiums?

Requiring employees to pay part of the premium is not permitted as a method to reduce workers' compensation premiums. The rationale behind this is that workers’ compensation insurance is designed to provide benefits to employees without putting the financial burden on them. Employees should not be responsible for financing the insurance that protects them from work-related injuries or illnesses. This principle ensures that coverage remains accessible and focused on employee protection and welfare.

On the other hand, implementing workplace safety programs, assisting in return-to-work programs, and reviewing payroll classifications are all recognized and effective strategies for managing and potentially reducing workers’ compensation costs. Effective safety programs can lead to fewer workplace injuries, which decreases claims. Return-to-work initiatives facilitate quicker recoveries and return of injured workers, thus reducing the overall claims costs. Reviewing payroll classifications ensures that employees are categorized correctly, which can prevent overestimating premium costs based on misclassified job duties. Each of these actions aligns with the overall goal of fostering a safe work environment and managing risk, while the other option detracts from the core principles of workers' compensation insurance.