Press Room

The AK Subrogation Trap Quick Takeaways * The Trap: Alaska has a "Two-Tiered" statute of limitations. If the employee doesn't sue the third party in 1 year, the claim is automatically assigned to you. * The Rule: Alaska Statute 23.30.015...

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 mandates a physical injury to...

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 in incidents where the root...

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 was effectively "frozen" in 1992....

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 employee settles, the carrier can...

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 the data is sent to...

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 won't save you from the...

The Georgia Contractor Trap: The Statutory Employer Quick Takeaways The Trap: In Georgia, if you hire a sub without insurance, you are their workers' comp carrier. Your contract won't save you from the medical bills. The Rule: Georgia Code §...