Alabama Workers’ Comp: Are Mental Injury Claims Covered? The Trap!
The Alabama Mental Injury Rule: Are You Leaving Money on the Table? Quick Takeaways * The Issue: Assuming "Stress" or "PTSD" is covered in Alabama without a corresponding physical injury. * The Rule: Alabama law...
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The Hidden Claim Driver: How Stress, Burnout, and Workplace Violence Are Expanding Workers’ Compensation Risk
Most workplace injuries don’t start with a fall, a machine, or a lifting motion. They start with a human being who is distracted, exhausted, anxious, or overwhelmed. Across industries, employers are seeing a steady rise...
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Alabama Work Comp Trap: Are Old Injuries Costing You Big?
The Alabama Second Injury Fund: A 30-Year-Old Trap Quick Takeaways * The Concept: The Second Injury Trust Fund was originally intended to support employers who hire workers with pre-existing disabilities. * The Trap: The fund...
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Alabama Workers’ Comp: Don’t Lose Out on Subrogation Rights!
The Alabama Subrogation Trap Quick Takeaways The Trap: Alabama allows you to recover medical expenses and wage payments, but only if your agent files the lien correctly under Statute 25-5-11. The Rule: You have a...
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Colorado Workers’ Comp Subrogation: Are You Missing Out?
The Colorado Subrogation Opportunity Quick Takeaways The Rule: Colorado Statute § 8-41-203 creates an automatic assignment of recovery rights to the insurance carrier. The Opportunity: The carrier has an "Independent" right to sue. If the...
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Workers’ Comp Refunds: The 3-Year Window Most Employers Miss
Current & Two Prior: Your 3-Year Refund Window Quick Takeaways The Rule: NCCI and state bureaus allow Experience Mod revisions for the Current policy year and the Two Prior years. The Trap: Thinking that once...
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