Insurance Journal

JULY 2, 2025

An employee cannot file a tort lawsuit against her employer until after it has been determined that she is not eligible for a workers’ compensation claim. And that compensability determination can only be made by an insurer or a compensation …

Compensation

AMAXX

JANUARY 27, 2025

Revamping a workers compensation (WC) program can transform how companies manage costs and care for injured employees. Below, we explore common errors and provide actionable steps to begin reforming a workers’ comp program. FREE DOWNLOAD: “Step-By-Step Process To Master Workers Comp In 90 Days” 5.

Workers Comp

Insurance Journal

JULY 20, 2025

Total losses and expenses in California’s workers’ compensation system incurred in 2024 were $16.7 The Workers’ Compensation Insurance Rating Bureau of California released the 2024 California Workers’ Compensation Losses and …

Workers Comp

AMAXX

MARCH 18, 2025

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. Consider the case of Jane, a worker who sustained a severe back injury. One provider accepted workers compensation but was not taking new patients.

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. Conclusion An effective transitional duty policy supports injured employees while controlling workers’ compensation costs.

Workers Comp

AMAXX

APRIL 23, 2025

Evidence-Based Medicine (EBM) is increasingly recognized as a critical component in workers’ compensation, influencing treatment decisions, recovery outcomes, and cost management. This ensures medical decisions in workers’ compensation are guided by the strongest available evidence.

Workers Compensation

AMAXX

MARCH 24, 2025

In this three-part series, we are examining nine elements of independent premium audits to help you better understand and control your workers’ compensation premiums. ” Stay tuned to complete your understanding and gain further control over your workers’ compensation premiums.

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. In reality, workers comp costs are one of the most controllable expenses in your organization. Avoid It : Treat workers comp like a strategic initiative.

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. When workers return quickly—even in modified roles—they stay connected to their routine, avoid psychosocial complications like depression, and recover faster.

Workers Comp

AMAXX

MAY 14, 2025

When a workers comp program isnt delivering results, many employers instinctively look outward. If you want a high-performing workers comp programone that reduces claims, controls costs, and supports injured employees you need a rockstar internal team. Step 2: Define Your Internal Team Workers comp is a team sport.

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. Hiring Isnt Just HRIts Risk Management This 6-step hiring system isnt just a recruitment strategyits a workers comp prevention tool.

Workers Comp

AMAXX

MAY 13, 2025

Thats as true for workers comp as it is for fitness, finance, or sales. 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. And watch your workers comp program transform from chaotic to controlled.

Workers Comp

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

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

Workers Comp

AMAXX

FEBRUARY 17, 2025

When a worker is injured, their experience in the workers’ compensation system can have a profound impact on their recovery, return to work, and overall job satisfaction. A lack of clear communication often leads to confusion, frustration, and even litigation , increasing costs for both the employer and the injured worker.

Workers Comp

AMAXX

MARCH 24, 2025

When an employer receives a revised workers’ compensation premium bill, the accuracy of the bill can be uncertain and confusing. This series of articles will provide clarity on what independent premium auditors evaluate, with practical insights to help you navigate the complexities of workers’ compensation premium audits.

Workers Comp

AMAXX

MAY 26, 2025

Workers compensation isnt a solo actits a team sport. This article breaks down the major stakeholders involved in workers comp and how collaboration across this ecosystem leads to better outcomesfor both the injured worker and the employer footing the bill. They’re also known as the insurer or underwriter.

Workers Comp

AMAXX

MARCH 10, 2025

Mass layoffs or company closures can trigger a significant increase in workers’ compensation claimssome legitimate, others potentially unsubstantiated. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering Workers Comp Costs: Reduce Costs 20% to 50%. All state laws vary.

Workers Comp

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

JUNE 3, 2025

In workers compensation, the moments before an injury ever occurs are just as important if not more so than the moments after. Create a Branded Workers’ Comp Program One of the most powerful ways to set expectations is to give your workers comp process a name and visual identity. Here’s how.

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

JULY 22, 2025

In workers’ comp, hospital and provider bills come loaded with acronyms, codes, and charges that can seem impenetrable. This is where medical bill review (MBR) becomes an essential part of any effective workers’ compensation cost containment strategy. Here’s how: Establish criteria for which bills should be reviewed (e.g.,

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. What Is the Experience Mod?

Workers Comp

AMAXX

JULY 8, 2025

A clear, accurate job description isn’t just a recruiting aid—it’s a secret weapon for safer hiring, lower workers’ compensation costs, and legal protection against costly discrimination claims. Higher turnover, absenteeism, and workers’ comp costs. A key to lower workers’ comp costs. Here’s how: 1.

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? Here are four high-impact ways to start: 1.

Workers Comp

AMAXX

APRIL 30, 2025

Managing workers compensation can feel like playing whack-a-mole. One day its a delayed report, the next its an escalating claim or a frustrated injured worker. Thats not a dream its a reality for organizations that implement clear, consistent communication systems within their workers comp process.

Workers Comp

AMAXX

MAY 12, 2025

Its a funny sceneuntil you realize its exactly how most employers manage their workers compensation programs. The Bugs Bunny Trap is a perfect metaphor for how workers comp can spiral out of control without a strategic framework. Ask yourself: What does a successful workers comp program look like for your organization?

Workers Comp

AMAXX

JUNE 9, 2025

When it comes to workers’ compensation litigation, fear is the unspoken force driving many claims into the courtroom. It’s not necessarily bad injuries, bad actors, or even bad faith that sends injured workers searching for an attorney. You should consult with your insurance broker, attorney, or qualified professional.

Workers Comp

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. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering Workers Comp Costs: Reduce Costs 20% to 50%.

Workers Comp

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

AMAXX

FEBRUARY 24, 2025

If you review the insurer’s file notes online and do not see NCM notes, contact the NCM for an update. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering Workers Comp Costs: Reduce Costs 20% to 50%. Require the NCM to provide frequent updates. All state laws vary.

Workers Compensation

Triple-I: Workers Compensation

FEBRUARY 14, 2025

By William Nibbelin, Senior Research Actuary, Triple-I The workers compensation insurance industry experienced its second-best underwriting result in the past 20 years in 2023, with a net combined ratio of 87, according to Triple-Is latest Issues Brief. A combined ratio under 100 indicates a profit. percent from 2014 to 2023.

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 21, 2025

Ask the average employee who pays for workers compensation, and you might hear answers like the insurance company, the government, or even nobodyits just a benefit. In reality, the employer foots the bill for every dollar spent in the workers compensation system. These misconceptions are widespreadand costly.

Workers Comp

AMAXX

JULY 1, 2025

If there’s one universal truth in workers’ compensation, it’s this: The best claim is the one that never happens. Injuries occur, costs mount, and safety meetings become reactive discussions about what went wrong rather than proactive strategies to keep workers safe. Yet for many employers, the reality is different.

Injury

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. You should consult with your insurance broker, attorney, or qualified professional.

Workers Compensation

AMAXX

APRIL 23, 2025

Efficient management of workers’ compensation claims significantly impacts both employee recovery outcomes and organizational costs. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering Workers Comp Costs: Reduce Costs 20% to 50%.

Injury