Question

return-to-work programs reduce the duration of disability as well as what other factors?
pay raises
frequency of claims
overall medical expenses
housing costs

Explanation:

Return-to-work programs support timely re-engagement in work, which reduces the length of disability leave and also lowers overall medical expenses by minimizing ongoing, unnecessary care associated with prolonged absence. Other options are unrelated: pay raises are not a reduction outcome, claim frequency is not directly reduced by these programs, and housing costs are unaffected.

Answer:

Overall medical expenses