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Articles

Myth: Lower job classifications mean lower premiums

Posted on May 15, 2016 by webmaster

To keep their premiums at the lowest cost each year, it’s not unusual for businesses to seek job classifications with lower ratings. Workers’ Compensation guru, David Leng, explains in his book, Stop Being Frustrated and Overcharged Year After Year by Your Workers’ Compensation Program, this practice can actually backfire. He cites the case of a… Continue reading →

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Legal Corner

Posted on April 19, 2016 by webmaster

ADA  Employer requiring wellness program participation prevails over EEOC A federal District Court in Wisconsin has ruled against the Equal Employment Opportunity Commission, and held that a plastic manufacturer’s policy of requiring employees to complete health risk assessments and biometric screenings to be eligible for health coverage does not violate the ADA. The court granted… Continue reading →

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Overexertion accounts for more than 25% of the top ten injury costs: Liberty Mutual

Posted on April 11, 2016 by webmaster

Produced annually, the Liberty Mutual Workplace Safety Index identifies the leading causes of the most disabling workplace injuries (resulting in six or more days of lost time) and ranks them by total Workers’ Compensation costs. The top five causes that accounted for 65.4% of the total injuries occurring in 2012 (most recent data available) were: 1) overexertion… Continue reading →

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Delays in reporting claims can increase costs by over 50%: study

Posted on March 11, 2016 by webmaster

One of the overarching principles of workers’ comp cost control is early reporting and intervention. About fifteen years ago, a groundbreaking study by the Hartford Financial Services Group found that injuries reported between the 4th and 5th week following an injury are 45% more expensive than those reported in the first week. While the details… Continue reading →

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Eight costly communication mistakes employers make

Posted on March 5, 2016 by webmaster

Communication is an essential element in realizing business profitability, and managing workers’ comp costs is no exception. When communication suffers and an employee’s injuries are not properly managed, the experience mod goes up, premiums increase, and profits plummet. The sad part is the mistakes are unnecessary and can be easily avoided with knowledge, planning, and… Continue reading →

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Lawyers say workers’ comp retaliation claims are increasing

Posted on February 25, 2016 by webmaster

According to an article in Business Insurance (September 14, 2015), injured employees are more likely to win retaliation claims because comp cases have a lower burden of proof and there is empathy for the injured worker. It is not only the termination of an employee that triggers a claim; it could be any employment action that allegedly… Continue reading →

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How to avoid a spike in slip and fall claims during harsh winters

Posted on February 21, 2016 by webmaster

Ice and snow-related slip and fall workers’ comp claims nearly doubled and represented one-third of claims involving time away from work last year in the Midwest area, which had a particularly harsh winter. In five Midwest states, including Michigan, Wisconsin, Indiana, Minnesota, and Illinois winter-related slips and falls claims averaged 29% of all workers’ comp… Continue reading →

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Why there are too many slips, trips, and falls

Posted on February 18, 2016 by webmaster

Employers have spent a lot of time and money on the traditional solutions to slips, trips, and falls, which occur in almost every type of workplace, yet they still account for: More than 95 million lost work days per year – about 65 percent of all work days lost 15 percent of all accidental deaths… Continue reading →

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HR Tip: Inclement Weather and Employee Pay

Posted on February 18, 2016 by webmaster

While the rules for nonexempt employees are straightforward – they are paid for the hours they work, the rules for exempt employees are governed by company policy and state laws. If the employer closes for some of a workweek due to inclement weather, it must pay exempt employees their salary if the employee performs any… Continue reading →

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Painkillers: Costly for employers and deadly for employees

Posted on February 11, 2016 by webmaster

The National Safety Council’s (NSC) recently issued report, Prescription Pain Medications: A Fatal Cure for Injured Workers, identifies 15 court cases from 2009 through 2015, where an employer was sued because of the prescribed use of opioids to treat workplace injuries. Many injured workers who were prescribed opioid painkillers have become addicted, suffered additional injuries, or… Continue reading →

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