Workers’ compensation (WC) insurance is designed to protect employees who suffer work-related injuries or illnesses and offer crucial support during times of need. However, there is a darker side to this coverage—the...more
When a workplace injury occurs, employers with no medical training often must determine the severity of the injury and direct an employee to appropriate medical care. They may have to make on-the-spot decisions about whether...more
WC insurance was designed to prevent the threat of litigation by removing the employee’s right to sue their employer in exchange for guaranteed compensation for an injury. However, despite the promise of benefits, the WC...more
Your business’s experience modification rating (ex-mod) directly translates to premium dollars, and risk managers and executives could benefit from a basic understanding of how ex-mods are calculated. The ex-mod reflects an...more
Although many people think it will never happen at their company, workplace violence can happen anytime and anywhere—and it’s on the rise. For employees, workplace violence can impact their mental and physical health,...more
If you are an employer experiencing high turnover and labor shortages or looking for ways to reduce increasing business costs, and you’re considering using gig workers to meet these challenges, buyer beware. Employers who...more
Are you familiar with this scenario? One of your employees has a seemingly minor injury while working. After hitting her hand on the corner of her desk, she decides to visit her primary care doctor through her private medical...more
Return-to-work (RTW) policies and practices have been around since the beginning of workers’ compensation (WC), dating back to the early 1900s, and have evolved—especially in recent times. RTW programs are designed to help...more
Recent national and world events have created a perfect storm for workers compensation (WC) claims. The move of baby boomers out of the workforce was already shifting demographics when the pandemic sparked the Great...more
Have you ever been in a workers’ compensation (WC) claim review or discussed a settlement when the claims adjuster started talking about an MSA (Medicare Set-Aside)? You may have wondered what Medicare has to do with WC. ...more