A method, communication device, and computer program product mitigates Specific Absorption Rating (SAR) exposure to a user who is proximate to a communication device. The method includes an on-device measurement receiver of a communication device detecting a first complex reflected signal corresponding to transmit signals that are reflected by a first antenna. The method includes a controller determining a pair of first complex return loss values based on a first complex transmit power signal and the first complex reflected signal. The method includes the controller determining whether both the first complex return loss values differ from respective baseline values by respective Specific Absorption Rate (SAR) threshold amounts. In response to the controller determining that both the first complex return loss values differ by the respective SAR threshold amounts, the controller reduces an output power level of a transceiver that delivers power to the first antenna.