AMAXX

JULY 21, 2025

In workers’ compensation, some of the most expensive decisions happen in the first few minutes after an injury. These early choices can set the tone for the entire life of a claim—driving up medical costs, lost time, and even litigation. What Is Injury Triage? Over-treatment, unnecessary claims, and inflated costs.

Injury

AMAXX

MARCH 4, 2025

Research has shown that fear of being fired is one of the top predictors of negative claim outcomes, including increased litigation rates and extended time off work. By understanding the role fear plays in workers compensation claims, employers can implement strategies to foster trust, improve outcomes, and reduce costs. Heres how: 1.

Workers Compensation

AMAXX

FEBRUARY 10, 2025

Supervisors in the workplace, much like a championship teams defense, play a pivotal role in injury management. Their response in the first moments after an injury determines whether the process leads to a smooth recovery or spirals into an expensive, drawn-out claim. Research by Scott W.

Injury

AMAXX

MARCH 18, 2025

Many companies operate under an unwritten rule: accept every workers compensation claim, no questions asked. A well-managed workers compensation program should pay 100% of legitimate claimsand 0% of the claims that arent. Employees come to believe that every claim will be accepted, regardless of the circumstances.

Workers Compensation

AMAXX

MAY 6, 2025

Hiring is more than finding the right resume or filling a seatits the first and most important line of defense in preventing workplace injuries and reducing workers comp costs. Employers struggling with first-year injuries, high turnover, or repeat claims often have something in common: a reactive hiring process.

Workers Comp

AMAXX

MAY 6, 2025

But whats often missed is that onboarding is one of the most critical safety tools in a companys injury prevention strategy. Injury rates dont spike after years on the jobthey surge within the first few days and weeks of employment. For instance: 52% of restaurant industry claims happen in the first 12 months.

Injury

AMAXX

MAY 19, 2025

The workers compensation system may feel like a complex web of insurance premiums, claims adjusters, and legal disputesbut at its core, its rooted in one simple idea: a compromise. When injuries occurred, the only recourse available to the worker was to sue their employer for negligence. Thus, the Grand Bargain was born.

Workers Comp

AMAXX

JULY 22, 2025

But buried in those pages are opportunities— opportunities to catch costly errors, curb overcharges, and prevent claim bloat. By catching errors and inappropriate charges before payment is made, employers can prevent claim inflation, reduce litigation risks, and stay compliant with fee schedules and state regulations.

Workers Comp

AMAXX

JULY 14, 2025

When it comes to workers’ compensation, small claims might seem harmless. Many employers wonder: “Why report a $1,000 medical bill to the insurance carrier if we can just pay it ourselves and keep our experience mod low?” After all, fewer claims mean fewer red flags on your insurance history—right? Not always.

Claim

AMAXX

FEBRUARY 24, 2025

However, there are times when the NCM doesn’t serve a specific purpose and is assigned to the claim to get it moving. The injury coordinator can evaluate these aspects of both telephonic case management and field-based case management by first emailing the adjuster and stating the above. For all hospitalizations.

Workers Compensation

AMAXX

JANUARY 27, 2025

Misidentifying the Problem A frequent mistake is attributing WC challenges solely to injury management partners or external factors, such as adjuster turnover or physician behavior. Legacy claims that linger unresolved. Use diagnostic questions to analyze your current WC program: Are claims reported within 24 hours?

Workers Comp

AMAXX

APRIL 23, 2025

Understanding EBM helps stakeholdersfrom medical professionals to claims managersmake informed decisions grounded in high-quality research and best practices. Its crucial for stakeholders, particularly medical professionals and claims managers, to understand and comply with state-specific guideline requirements. All state laws vary.

Workers Compensation

AMAXX

MARCH 10, 2025

Proper layoff planning isn’t just about handling employment transitions; it’s crucial for controlling claims costs and ensuring that resources are available to support genuinely injured workers. Enhance Claims Handling Capacity Prepare for an uptick in claims by adding staff who can handle the additional workload effectively.

Workers Comp

AMAXX

FEBRUARY 17, 2025

However, implementing strong communication strategies can significantly improve claim outcomes and reduce unnecessary legal battles. The 2014 Predictors of Worker Outcomes Study surveyed 4,800 injured workers across 12 states and found that fear of being fired was a major predictor of poor claim outcomes.

Workers Comp

AMAXX

MAY 6, 2025

In fact, bad hires aren’t just a performance issuethey are a financial and legal liability , particularly in industries where physical labor increases the risk of injury. First-Year Employees Drive Claims and Costs Beyond poor performance, bad hires can quickly become workplace injury liabilities.

Workers Comp

AMAXX

JULY 15, 2025

When it comes to workers’ compensation costs, few topics spark more debate—and confusion—than the question: Which is worse for my experience mod: many small injuries or one big one? It’s a measure of risk—the insurer’s way of predicting your future claims based on your past history. Total primary losses: $150,000.

Workers Comp

AMAXX

APRIL 30, 2025

When a workers compensation claim spirals into a costly, prolonged, or litigated nightmare, most people instinctively look for a technical failure: late paperwork, a coverage issue, or a misstep by the claims adjuster. The real reason many workers comp claims go off the rails? And guess what?

Workers Comp

AMAXX

FEBRUARY 18, 2025

The purpose of these rules is to ensure that employers pay an appropriate premium that reflects the risk of workplace injuries associated with their industry. For example, a construction company would generally have a higher classification rate than an office-based business due to the higher risk of injury on a construction site.

Workers Compensation

AMAXX

JULY 17, 2025

When it comes to workers’ compensation costs, many employers focus on claims management, safety programs, and return-to-work initiatives. These two factors can dramatically influence your experience modification factor (mod) and ultimately how much you pay for workers’ comp insurance. A mod of 1.00 A mod below 1.00 A mod above 1.00

Workers Comp

AMAXX

MARCH 18, 2025

When a workplace injury occurs, selecting the right physician is a critical factor in ensuring a smooth recovery and return to work. These errors can have significant consequences, including prolonged recovery times, increased claims costs, and a greater likelihood of litigation. The only available provider was 70 miles away.

Workers Comp

AMAXX

MAY 13, 2025

Yet many employers still fly blindunsure where to focus, overwhelmed by options, and frustrated by rising claim costs and stagnant outcomes. If your workforce doubles but your cost per FTE stays the sameor goes downyoure likely managing claims effectively. Its one of the most predictive metrics of claim severity.

Workers Comp

AMAXX

JUNE 17, 2025

When it comes to managing workers’ compensation claims, many employers focus on lagging indicators—things like claim count, indemnity costs, and days lost. And more importantly, it predicts future claims costs, experience modification factors (mods), and employee outcomes better than almost any other metric.

Workers Comp

AMAXX

JUNE 5, 2025

After all, theyre the ones who manage the paperwork, coordinate with insurance, and navigate the return-to-work process. But heres the truth: Effective injury response isnt just an HR task its a company-wide culture shift. Why a Culture of Support Matters Injury response is more than just reporting forms and claims handling.

Injury

AMAXX

MARCH 10, 2025

In the first part of our series, we emphasized the importance of thoughtful layoff planning to mitigate the risk of increased workers’ compensation claims following a workforce reduction or facility closure. Be meticulous in updating personnel files, health insurance documentation, and records of sick leave.

Workers Comp

AMAXX

MAY 27, 2025

If you’re serious about lowering premiums, reducing claim durations, and improving outcomes for injured workers, start by identifying and correcting these ten common pitfalls. The carrier, the TPA, the broker, the doctorstheyre all supposed to handle it, right? Everyone in the system ultimately works for the employer.

Workers Comp

AMAXX

JUNE 24, 2025

Not a legal maneuver, not a claims system overhaul—just a sincere, timely, personal note from a supervisor or team member that tells the injured employee: We see you. And it could help you prevent more claims from ever reaching a courtroom. Fear their claim was denied (or ignored). Within 48–72 hours of the injury.

Workers Comp

AMAXX

FEBRUARY 4, 2025

These assignments help businesses manage claims costs, reduce lost workdays, and maintain workforce productivity. Return to Original Position Upon Full Recovery Once the employee reaches maximum medical improvement (MMI) , they return to their pre-injury job. This is often categorized as voluntary withdrawal from the workforce.

Workers Comp

AMAXX

MARCH 4, 2025

OSHA Compliance as a Cost-Saving Strategy Workplace injuries are expensive. The direct costs of workers’ compensation claims, medical expenses, and lost productivity add up quickly. A proactive safety strategy aligned with OSHA standards can drastically reduce workplace injuries, lowering both direct and indirect costs.

Workers Comp

AMAXX

APRIL 30, 2025

One day its a delayed report, the next its an escalating claim or a frustrated injured worker. Systematized communication helps prevent injuries from becoming high-cost claims, reduces litigation, builds trust with employees, and improves return-to-work outcomes all without needing constant intervention from every department.

Workers Comp

Distinguished

MARCH 20, 2025

These resources are invaluable for both property owners and insurance brokers when assessing risk. How do pending or unresolved housing violations affect a property owners ability to obtain insurance? Landlord insurance which covers both liability and property damageis particularly sensitive to housing violations.

Broker

AMAXX

FEBRUARY 25, 2025

Once employers and adjusters understand the value of evidence-based medicine (EBM) in workers’ compensation claims, the next challenge is applying it effectively. EBM helps ensure that medical treatments align with standardized recovery timelines, reducing unnecessary disability durations and claim costs.

Workers Comp

AMAXX

JULY 30, 2025

With a 4% profit margin, your company needs to generate $293,750 in revenue just to make up for that one claim. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Transitional duty isn’t just a tool for reducing claims cost—it’s a pathway to emotional and physical recovery.

Workers Comp

AMAXX

FEBRUARY 24, 2025

Evidence-Based Medicine (EBM) plays a critical role in workers compensation, guiding both medical professionals and non-medical stakeholders in making informed decisions about injury treatment, recovery time, and return-to-work strategies. This ensures that EBM guidelines reflect a comprehensive, well-rounded approach to injury treatment.

Workers Compensation

AMAXX

AUGUST 1, 2025

Meanwhile, the costs pile up: lost wages, replacement labor, lost productivity, higher claims reserves, and a stalled recovery. Step 4: Use Evidence-Based Medicine to Set Expectations Every injury has a range of expected recovery times. Action: C ompare the projected recovery time to injury duration guidelines.

Workers Comp

AMAXX

MARCH 24, 2025

Payroll serves as a primary measure of the employer’s exposure to potential workplace injury and thus significantly impacts premium costs. Accurate payroll accounting reflecting these deductions helps maintain appropriate premium charges aligned with actual exposure to injury risk. However, strict rules apply.

Workers Comp

AMAXX

APRIL 28, 2025

In workers’ compensation programs, the conversation often revolves around costs, compliance, and claims management systems. Empathy isnt just a nice to have in workers comp management it’s a proven strategy for reducing claim costs, preventing litigation, and helping injured employees return to work faster.

Workers Compensation

AMAXX

MAY 14, 2025

If you want a high-performing workers comp programone that reduces claims, controls costs, and supports injured employees you need a rockstar internal team. This could be: A risk manager An HR director A safety leader An injury coordinator What matters is not the titleits the accountability. And no one really does. Share your vision.

Workers Comp