This site uses cookies to improve your experience. To help us insure we adhere to various privacy regulations, please select your country/region of residence. If you do not select a country, we will assume you are from the United States. Select your Cookie Settings or view our Privacy Policy and Terms of Use.
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Used for the proper function of the website
Used for monitoring website traffic and interactions
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Strictly Necessary: Used for the proper function of the website
Performance/Analytics: Used for monitoring website traffic and interactions
One of the most effective tools in this endeavor is the use of Injury Duration Guidelines. What Are Injury Duration Guidelines? Injury Duration Guidelines provide evidence-based timelines for recovery from workplace injuries and illnesses. Why Do Injury Duration Guidelines Matter?
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. Railroad workers, miners, & factory employees were routinely exposed to serious hazards on the job. Thus, the Grand Bargain was born.
In workers compensation, the moments before an injury ever occurs are just as important if not more so than the moments after. Lets explore how to set employee expectations before an injury happens going beyond just handing out a brochure. Think: ACME Injury Prevention and Recovery Program (iPAR).
Below, we explore common errors and provide actionable steps to begin reforming a workers’ comp program. 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.
This post is one in a 3-part series: Part 1: WorkersComp Independent Premium Audits Explained Part 2: WorkersComp Independent Premium Audits Explained Part 3: WorkersComp Independent Premium Audits Explained 5. You should consult with your insurance broker, attorney, or qualified professional.
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.
Return to Original Position Upon Full Recovery Once the employee reaches maximum medical improvement (MMI) , they return to their pre-injury job. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering WorkersComp Costs: Reduce Costs 20% to 50%. Contact: mstack@reduceyourworkerscomp.com.
Click Link to Access Free PDF Download “13 Research Studies to Prove Value of Return-to-Work Program & Gain Stakeholder Buy-In” In this post, we’ll explore what the Return-to-Work Ratio is, why it’s so important, and how you can use it to drive better results across your workers’ comp program.
In the high-stakes world of workers compensation, the moments following a workplace injury can define the entire outcome of a claim. Specifically, how a supervisor or employer responds to the injured worker at the moment of injury sets the tone for everything that follows. days out of work. Positive response: 14.1
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 workerscomp costs. Employers struggling with first-year injuries, high turnover, or repeat claims often have something in common: a reactive hiring process.
When a workerscomp program isnt delivering results, many employers instinctively look outward. If you want a high-performing workerscomp programone that reduces claims, controls costs, and supports injured employees you need a rockstar internal team. Step 2: Define Your Internal Team Workerscomp is a team sport.
When a workplace injury occurs, most people think of two parties: the injured worker and the employer. Workers compensation isnt a solo actits a team sport. Thats a critical mindset shift: every stakeholder in workerscomp is here to support the employee-employer dynamic.
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, workerscomp costs are one of the most controllable expenses in your organization. Avoid It : Treat workerscomp like a strategic initiative.
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?
The Link Between Trust and Outcomes A study conducted by the WorkersComp Research Institute (WCRI) highlights the crucial role that trust and fear play in an injured workers recovery and financial stability. ” Workers need clear, timely updates about their benefits, particularly wage replacement checks.
BTW Solutions bills itself as a drug wholesaler and billing service and as a way for physicians to maximize profits on workers’ compensation and personal-injury-protection patients through the use of topical creams and durable medical equipment. The Benton, Arkansas-based …
Worker misclassification in Maryland is widespread, leaving thousands of workers without injury protection and depriving insurance companies of more than $58 million in workers’ compensation premiums each year, according to a report from a state task force. Maryland’s Joint Enforcement …
Payroll serves as a primary measure of the employer’s exposure to potential workplace injury and thus significantly impacts premium costs. The premium portion, $5 per hour, should be excluded from payroll calculations for workers’ compensation premium purposes. However, strict rules apply. All state laws vary.
Contractors insurance groups say workerinjuries are being faked at an unprecedented rate across New York’s construction sites in hopes of receiving workers’ compensation benefits and liability insurance payouts, according to court filings and an ABC News report. Worker advocates …
Thats as true for workerscomp 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. You can’t improve what you don’t measure. Its both a cost and culture metric.
EBM provides clear, data-backed injury duration guidelines to help answer these questions. Best Practice: Immediate Return to Light-Duty Work According to EBM principles, 90%+ of injured employees should return to work in a modified-duty capacity within 0-4 days of injury.
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.
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. Invite them to tour your facility beforehand to enhance their understanding of potential injury contexts. All state laws vary.
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. More often, it’s something far more basic—and far more preventable: fear of the unknown.
Contractors insurance groups say workerinjuries are being faked at an unprecedented rate across New York’s construction sites in hopes of receiving workers’ compensation benefits and liability insurance payouts, according to court filings and an ABC News report. Worker advocates …
Be meticulous in updating personnel files, health insurance documentation, and records of sick leave. This post is one in a 2-part series: Part 1: Layoff Planning to Control WorkersComp Claims Part 2: Layoff Planning to Control WorkersComp Claims 3. Contact: mstack@reduceyourworkerscomp.com. All state laws vary.
Thats not a dream its a reality for organizations that implement clear, consistent communication systems within their workerscomp process. The 9-Point System That Drives WorkersComp Success The best programs dont rely on memory or the right person doing the right thing at the right time. They build repeatable systems.
In the complex world of workers compensation, risk managers play a vital role in aligning strategic oversight with day-to-day claims operations. Far from being a behind-the-scenes figure, a successful risk manager serves as the linchpin between claims administration, adjusters, and injury management teams.
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 workerscomp can spiral out of control without a strategic framework. So how do you escape the chaos and build a streamlined, high-performance comp program?
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.
This post is one in a 3-part series: Part 1: WorkersComp Independent Premium Audits Explained Part 2: WorkersComp Independent Premium Audits Explained Part 3: WorkersComp Independent Premium Audits Explained To qualify for this treatment, construction employers must keep meticulous records specifying exact hours worked per classification code.
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 workerscomp claims go off the rails? Here are four high-impact ways to start: 1.
Annual workers’ compensation rate cuts in the double digits have become routine in almost every U.S. That trend may have now come to an end in Florida, where the National Council on Compensation Insurance is recommending … state in recent years.
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.
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.
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.
Why Injured Workers Lawyer Up: The Role of Fear The root causes of workers’ comp litigation are not primarily legal issues. Click Link to Access Free PDF Download “Avoid the 3 Primary Reasons Injured Workers’ Hire Attorneys” The number one reason workers hire attorneys? Within 48–72 hours of the injury.
Employer’s liability insurance protects businesses from lawsuits filed by employees who have suffered a work-related injury or illness. appeared first on Property Insurance Coverage Law Blog.
South Carolina lawmakers next year may be asked to revamp a workers’ compensation employment test that judges have relied on for more than 50 years, if the state Supreme Court has its way. The court last week said that a …
Click Link to Access Free PDF Download “The 6-Step Process To Determine Workers’ CompInjury Causation” Application in Workers’ Compensation EBM in workers’ compensation is utilized primarily through guidelines developed by multi-disciplinary boards, including neurologists, orthopedists, chiropractors, and pharmacists.
Workers compensation is a product where compassion and analytics work hand-in-hand protecting and caring for employees, while also leveraging data to make the entire system more effective and sustainable, Ryan said. Continued strong results Workerscomp remains financially fit, according to NCCI Chief Actuary Donna Glenn, FCAS, MAAA.
A forklift driver for Frito-Lay who injured his achilles tendon playing in a company basketball game is not covered by workers compensation. The Virginia Workers Compensation Commission (VWCC) upheld the denial of benefits because the employee’s voluntary participation in the …
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.
Sub-rosa investigationsundercover surveillance designed to discreetly document claimant activityprovide evidence to substantiate or challenge the severity of reported injuries. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering WorkersComp Costs: Reduce Costs 20% to 50%.
We organize all of the trending information in your field so you don't have to. Join 5,000+ users and stay up to date on the latest articles your peers are reading.
You know about us, now we want to get to know you!
Let's personalize your content
Let's get even more personalized
We recognize your account from another site in our network, please click 'Send Email' below to continue with verifying your account and setting a password.
Let's personalize your content