Insurance Journal

JUNE 20, 2025

The Oklahoma Workers’ Compensation Commission announced that it voted this spring to reduce the Multiple Injury Trust Fund assessment on workers’ compensation coverage providers from 7% to 6.29%. This is the first reduction in five years, the WCC said. The …

Workers Compensation

AMAXX

APRIL 23, 2025

Efficient management of workers’ compensation claims significantly impacts both employee recovery outcomes and organizational costs. What are Injury Duration Guidelines? These guidelines answer the frequent question asked at the time of injury: “ How long will my employee be off work?

Injury

AMAXX

MARCH 4, 2025

By understanding the role fear plays in workers compensation claims, employers can implement strategies to foster trust, improve outcomes, and reduce costs. The Link Between Fear and Litigation Studies have consistently identified fear as a major driver of workers compensation litigation.

Workers Compensation

AMAXX

JUNE 30, 2025

In workers’ compensation and safety management , these silos are all too common—and costly. By building an integrated team approach, organizations can manage injuries more efficiently, reduce costs, and keep employees safer and healthier. Each of these teams touches the same injury event but often operates in its own bubble.

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 should know upfront that all claims will be reviewed, and only legitimate injuries will be covered.

Workers Compensation

AMAXX

JULY 21, 2025

In workers’ compensation, some of the most expensive decisions happen in the first few minutes after an injury. Enter nurse-led injury triage —one of the most cost-effective and underutilized tools in workers’ comp. What Is Injury Triage? A knee-jerk trip to the emergency room. A questionable diagnosis.

Injury

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. Heres a step-by-step guide for supervisors: 1.

Injury

AMAXX

JANUARY 20, 2025

In the intricate landscape of workers’ compensation, the pursuit of optimal outcomes for injured workers is paramount. Employers, insurers, and healthcare providers face a delicate balance: ensuring injured workers receive appropriate care while effectively managing costs and promoting timely return-to-work.

Workers Compensation

Mark Jackson Insurance Agency

APRIL 21, 2025

Crutches leaning against a wall by Anna Shvets Workplace injuries affect more than just your team. For business owners, preventing injuries is key to protecting employees, maintaining productivity, and minimizing workers compensation claims. Training is another effective tool for injury prevention.

Workers Compensation

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. One of the most common questions at the time of injury is, How long will my employee be off work?

Workers Compensation

AMAXX

JULY 22, 2025

This is where medical bill review (MBR) becomes an essential part of any effective workers’ compensation cost containment strategy. How Employers Can Strengthen the Process Even though your TPA or insurer handles bill review, employers should stay engaged. That’s where expert review comes in.

Workers Comp

Insurance Journal

JULY 3, 2025

In two separate rulings, the Massachusetts Supreme Judicial Court has found that an insurer in runoff and the state’s insolvency fund were both wrongly denied certain payments they are entitled from the state’s workers’ compensation fund. The high court found …

Workers Comp

AMAXX

FEBRUARY 24, 2025

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. Also, the injury coordinator should know whether your NCM is an RN or a Licensed Practical Nurse (LPN). Require the NCM to provide frequent updates.

Workers Compensation

AMAXX

APRIL 28, 2025

In workers’ compensation programs, the conversation often revolves around costs, compliance, and claims management systems. Implementing empathy systematically can transform a workers’ compensation program from a cost center into a relationship-builder that saves money and strengthens the workforce. Its smart business.

Workers Compensation

AMAXX

MAY 27, 2025

In the world of workers compensation, few factors have a more immediate and measurable impact on claim outcomes than lag time the delay between when an injury occurs and when it is reported to the carrier or third-party administrator (TPA). Set a Clear Goal The gold standard for reporting an injury should be within 10 minutes.

Claim

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. 44% of construction injuries are first-year incidents.

Injury

Boyle Agency Insurance

APRIL 4, 2025

Without proper insurance, you could be held liable. When hiring contractors for home projects, ensuring they have proper insurance coverage is crucial. Let’s explore why verifying contractor insurance matters and how it shields your property during renovations or repairs.

Property Damage

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

LexisNexis

FEBRUARY 5, 2025

By Christopher Mahon, LexisNexis Legal Insights Contributing Author A September 2024 study from the Workers Compensation Research Institute indicates that workers represented by an attorney in workers compensation claims receive substantially more payments than workers who are not represented by an attorney. See [link].

Workers Compensation

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. While using an approved network is necessary for insurance and cost-control reasons, not all doctors within the network are equally effective at managing workplace injuries.

Workers Comp

AMAXX

JANUARY 27, 2025

Revamping a workers compensation (WC) program can transform how companies manage costs and care for injured employees. 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. Avoiding Common Errors 1.

Workers Comp

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. Class codes help insurers calculate your premium.

Workers Comp

Shield Insurance Agency

JUNE 19, 2025

Business insurance is a safeguard for your business. Business insurance protects you/your business against various risks and potential financial losses that can arise from unexpected events or claims. The post ​W​hy Business insurance? first appeared on Blog | Shield Insurance Agency.

Business Insurance

AMAXX

MAY 6, 2025

But when it comes to the workers compensation system, a rushed or poorly evaluated hire can be far more costly than leaving a role vacant for a few extra weeks. 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.

Workers Comp

AMAXX

MARCH 4, 2025

By shifting your perspective from compliance-as-burden to compliance-as-advantage, you can leverage OSHA requirements to create a safer, more productive workplace, reduce workers compensation costs , and enhance your company’s reputation. OSHA Compliance as a Cost-Saving Strategy Workplace injuries are expensive. Heres how: 1.

Workers Comp

AMAXX

FEBRUARY 4, 2025

A structured Return-to-Work (RTW) program is one of the most effective ways to reduce workers’ compensation costs and improve employee recovery outcomes. Return to Original Position Upon Full Recovery Once the employee reaches maximum medical improvement (MMI) , they return to their pre-injury job. All state laws vary.

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 compares your actual workers’ compensation losses to the losses expected for similar businesses in your industry. Implement injury triage.

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

Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. This coverage is required in most states.

Workers Compensation

Triple-I: Workers Compensation

MAY 20, 2025

William Nibbelin, Senior Research Actuary, Triple-I Economic uncertainty, industry-specific trends, and evolving risks were the focus of the NCCI Annual Insights Symposium (AIS) 2025 a key event for the workers compensation industry. Key Findings Premium: Workers compensation net written premium decreased by 3.2 points in 2024.

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. The Return-to-Work Ratio measures the percentage of injured employees who return to work within 0–4 days of the injury. The RTW Ratio is simple to calculate but incredibly powerful.

Workers Comp

AMAXX

MAY 13, 2025

With just five core metrics , you can quickly diagnose the health of your workers compensation program , prioritize where to act, and measure your progress over time. Total Recordable Incident Rate (TRIR) Why it matters: TRIR, an OSHA metric, tracks how often injuries happen. These metrics arent just numbers.

Workers Comp

AMAXX

MAY 27, 2025

Workers compensation is often misunderstood as a fixed cost of doing businesssomething employers have to accept, manage passively, and simply write checks for. Set benchmarks, monitor performance, and proactively train your supervisors and staff before the next injury occurs. But that mindset couldnt be further from the truth.

Workers Comp

AMAXX

AUGUST 1, 2025

A common (and frustrating) obstacle in workers’ compensation management is this scenario: An employee is injured. 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. And those can be fixed.

Workers Comp

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

Protect Commercial Insurance

MAY 9, 2025

That’s where retail shop and salon insurance come into play. This guide will walk you through the essentials, helping you understand how the right commercial insurance can be your business’s best ally. That’s where retail shop and salon insurance swoop in to save the day.

Liability Insurance

AMAXX

JUNE 24, 2025

Sometimes, the smallest gestures make the biggest difference—especially in workers’ compensation. Something like: “Hey John, I heard about your injury—just wanted to say we miss you at the shop and hope you’re on the mend. Within 48–72 hours of the injury. Yes, a card. What should it say? Let me know if you need anything.”

Workers Comp