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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District of Columbia Contractor Nightmare: Are YOU Paying Uninsured Worker’s Comp?
The District of Columbia Contractor Trap: The Statutory Employer Quick Takeaways The Trap: In the District of Columbia, if you hire a sub who doesn't have insurance, you are their workers' comp carrier. Your contract...
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Delaware Workers’ Comp: Are You Giving Away Your Biggest Cost Lever?
The Delaware Medical Choice: The Employer's Control Quick Takeaways The Trap: Delaware gives you the primary right to choose the doctor. If you don't build a strong medical network before an injury, you lose the...
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Florida Workers’ Comp Audit Trap: Are You Prepared? (Avoid Costly Mistakes!)
The Florida Audit Rules: Navigating Mandatory Complexity Quick Takeaways The Trap: Florida Statute 440.107 grants investigators the authority to enter your business and demand records without a warrant. Are you ready? The Rule: Construction firms...
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