State Risk Pool Is Option for All Employers, Not Necessarily Where You Want...
Every Employer Has Option for Workers Comp Coverage Every employer who is required to have workers’ compensation insurance has at least one option to purchase their insurance coverage. The option...
View ArticleBest Practices in TPA Medical Management
TPA Medical Management Critical for Cost Containment The third party administrator (TPA) who handles your workers’ compensation claims needs to be especially strong in their medical management...
View ArticleThe Company With The Best Information Wins In Workers Comp
Companies with Best Information Have Lowest Costs When doing an assessment I often ask, “Do you have at least one book about workers’ compensation on your shelf?” The companies with the lowest...
View Article5 Ways to Pay Too Much Workers Comp
Employers who do not manage their workers’ compensation program will pay too much for their workers’ compensation insurance. There are many ways to control the cost of workers’ compensation, but...
View ArticleConstruction Workers, Independent Contractors, and Workers Comp
Who Is and Isn’t Covered by Workers Comp in Construction? Employers in the construction industry are often perplexed as to who they should cover with their workers’ compensation insurance policy....
View ArticleTop 10 Most Cited OSHA Standards
OSHA Not Always a Welcomed Guest Most risk managers and safety managers, even those with excellent safety records, often dread to hear that Occupational Safety and Health Administration (OSHA) is...
View ArticleThe Benefits of Physical Therapy in Workers Comp
What is Physical Therapy? When injuries result in damage to musculoskeletal parts of the body, treating physician often need to send an injured employee to a physical therapist. Physical therapy,...
View ArticleMeasuring and Rewarding Claims Quality Ensures Best Practices
Quality Claims is the Goal of Employer and TPA Employers often wonder if they are getting quality claim handling on their workers’ compensation claims. At the same time, the third party...
View ArticleDo Not Be So Quick To Diagnose Carpal Tunnel
Disclaimer—This is not a medical article. This is not meant to diagnose or treat a condition. This is merely a guide to use as potential reference to occupational cases. Always consult your...
View ArticleThe Role of the Risk Manager in Workers Compensation Cost Containment
What is the Role of a Risk Manager? A risk manager is responsible for a broad array of duties as the company sets up a workers’ compensation management program. To reduce costs, the risk manager...
View ArticleHow to Measure Your Return to Work Program Success
For every day an injured employee is out of work, the cost of the workers’ compensation claim increases. Therefore, it is of critical importance to actively manage your claims using techniques...
View Article5 Safety Communication Techniques for a Diverse Workforce
Communicating safety issues effectively to a diverse workforce is a challenge. As a risk management consultant for many years, I’ve gathered solid information and experience on the best way to...
View ArticleHow to Gather All Information Necessary for High Quality Claims Management
System Creates Repeatable, High Quality Results A significant improvement in the world of claims management over the years is the implementation of an electronic system for entering and managing...
View ArticleDifferences between Physical Therapy and Occupational Therapy
Most Workers Comp Injuries Require Physical Therapy To people who are not in the medical field, there is often confusion between physical therapy and occupational therapy. People often think...
View ArticleWhat the SMART Act Really Does
There has been a lot of discussion recently in the insurance world about the SMART Act (Saving Medicare and Repaying Taxpayers Act) passed into law by Congress in December and signed by President...
View ArticleHow To Ensure Your Adjuster Is Being All They Can Be
If you have ever felt an adjuster assigned to one of your workers’ compensation claims was not making a proper effort to investigate a questionable injury claim, you are not alone. Every large...
View ArticleDifferent Strategies for Return to Work
Most Employers Have Poor Advanced Planning for Injuries There are several different strategies an employer can utilize to return injured employees to work as quickly as the employee is medically...
View ArticleSelf-Insurance and High Deductible Provide Most Control for Managing Workers...
Self-insurance programs and high deductible programs are the two most common ways for a company to get almost total control over how their claims are handled. Formal self-insurance is accomplished...
View ArticleThe Workers Comp Insurance Broker – Employer Relationship
The relationship between the insurance broker and the employer is often overlooked in the management of a workers’ compensation program. (Employer as used in this article is any business that has...
View ArticleCommon Mistakes That Get Employers In Trouble on Questionable Claims
Employers Should Take the High Road Every self-insured employer has to contend with the occasional workers’ compensation claim the employer feels is of questionable validity. The urge is often to...
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