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How do companies keep score in workers’ compensation? Typically insurance carriers provide basic or “top of the line measurements,” such as annual totals of claim expenditures, average claims costs for medical only claims and average claims costs for lost time claims to employers. They may even break down some injury costs by department. Reduce Workers […]

Workers’ Compensation rates have been trending downward, as have the number of job-related injuries. Even injuries totaling $50,000 or more dropped for the first time in 2005. Employers Need To Know: Key Insights for Workers’ Comp Success Understanding employers need to know is essential for anyone navigating workers’ compensation. Whether you are an employer managing […]

Throughout much of the country, declining Workers’ Compensation rates are music to employers’ ears. After all, that seems like long-awaited good news, particularly since Workers’ Compensation is more often than not viewed as a necessity and a significant cost of doing business. Eight Major Mistakes Employers: What You Need to Know Understanding eight major mistakes […]

“We’ve got an employee who’s abusing the system and we’re just about fed up. So are our people.” Every insurance agent has heard these words from frustrated employers who are certain injured workers are taking advantage of the Workers’ Compensation system. Getting Injured Employees Back: Key Insights for Workers’ Comp Success Understanding getting injured employees […]

One of the most confusing components of an employer’s Workers’ Compensation Policy is the Experience Modification Factor. They watch it increase and decrease from year to year – higher Experience Modification Factors generally increase costs and lower factors reduce them. What’s often missing is an understanding of how the Experience Mod factor works and what […]

Most business owners and managers purchase Workers’ Compensation in the wrong way. About 90 to 120 days before their policies expire, they put it out to bid and get quotes. Once in, they review the prices and usually select the policies with the lowest premiums. Biggest Mistakes Companies Make: What You Need to Know Understanding […]

If the anecdotal evidence can be trusted, it’s becoming more and more common that contractors are being put on notice that they will lose the opportunity to bid on jobs if their Workers’ Compensation Experience Mods hit a certain point. Workers Comp Experience Mods: Key Insights for Workers’ Comp Success Understanding workers comp experience mods […]

Like most agents, you work hard at writing new accounts, what salespeople through the years have referred to as “getting the fish in the boat.” But it doesn’t take a master angler to know that once you get the fish, you must still make sure it doesn’t jump out. Then it’s back to square one. […]

Supervisors play a key role in the management of injuries, return‐to‐work and reasonable accommodations under ADA. While supervisors may be well trained in the functional aspects of maintaining a safe workplace, reporting injuries, investigating injuries and return‐to‐work programs, many fall short in their interaction with injured employees and their well‐meaning actions can be costly to […]

In a perfect world, every injured worker would be treated by a physician trained in Occupational Medicine, one who understands how to facilitate recovery and expedite return to work. Family Practitioner In Injury: Key Insights for Workers’ Comp Success Understanding family practitioner in injury is essential for anyone navigating workers’ compensation. Whether you are an […]