LowerWC.com Workers Comp Newsletter

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ElephantLogoSUCCESS STORY 

Employers ask two questions about workers compensation proactive planning: Why they need it and why workers comp costs are so high in the first place.

 

Successful employers put a WC program into place to care for injured workers and returned them quickly to productive work. Costs are high because too many claims last too long. Employers can stop paying higher premiums and long-term medical expenses by bringing employees back to work sooner.

 

They do this by implementing in-house programs, policies, and procedures designed to bring employees in line and work together to reestablish control and lower costs. Workers compensation management or "injury management" includes managing a claim from the minute it happens until the employee returns to full-time productive duty.

 

Our book, Manage Your Workers Compensation Program: Reduce Costs 20-50%, is a teaching tool on how to set up a successful, fully functioning workers compensation program. Everything you need to know is in our book. 
 
            
         FYI: Brokers LOVE our WC Book! Do you have yours?
 

ElephantLogo EMPLOYERS COST REDUCTION NEWS

Save Time by Reading a Summary of the LinkedIn Group Workers Compensation Roundtable

Work Comp Roundup summarizes Workers Compensation Roundtable, a LinkedIn discussion group with more than 2,000 members. Read the hot topics each week without having to manage yet another social networking site.

18 Percent of Fatal Auto Accidents Involved Cell Phone Distracted Driving

U.S. Transportation Secretary Ray LaHood announced the U.S. Department of Transportation and Better Business Bureau would collaborate to educate consumers and businesses about the dangers of distracted driving.

Know 8 Costly Mistakes Workers Comp Adjusters Make

Adjusters have a stressful job with too many things to do. In such an environment, it is easy to make mistakes costing the insurer money -- costs passed on to the employer in the form of higher workers compensation premiums. Here are eight mistakes to watch for.

Learn One Excellent Method to Stay On Top of Workers Comp Claims

Employers should request inclusion in weekly discussions of serious workers compensation claims. The roundtable discussion provides a forum where the adjusters and employer provide input benefiting everyone involved.

How a Subrogation Audit Can Reduce Your WC Premiums

In today's insurance world, most workers compensation adjusters are specialists in work comp and have little, if any, background in liability claims. This results in the work comp adjusters often missing subrogation opportunities.

Death from Pulmonary Embolism was Employers Fault

A pulmonary embolism brought on by the requirements of the job is a compensable injury under New Jersey's workers compensation statutes governing cardiovascular injury or death.

Treatment for Musculoskeletal Injuries in Workers Compensation Claims

Injuries to the musculoskeletal system are the most prevalent type of workers compensation injuries. Almost all musculoskeletal injuries involve some degree of pain -- mild to severe -- depending on the extent of the injury and the employee's threshold for pain tolerance.

Online College to Pay $260,000 to Settle EEOC Lawsuit Charging Sexual Harassment

Arizona-based High-Tech Institute Inc., doing business as Anthem College Online, will pay $260,000 as part of a settlement of a sexual harassment lawsuit filed by the U.S. Equal Employment Opportunity Commission.

Michigan Dairy Farm Penalized $2.7 Million for Hiring Illegal Aliens

A Michigan dairy farm and its two owners recently plead guilty to charges of employing illegal aliens, following an investigation by U.S. Immigration and Customs Enforcement's Homeland Security Investigations.

Louisiana Woman Arrested in Alleged Fake Billing Scheme

A woman was arrested and charged with one count of insurance fraud by the Louisiana State Police Insurance Fraud Unit. State police said the investigation stemmed from a complaint made by the National Teachers Associates Life Insurance Company alleging the woman submitted fraudulent medical invoices to support an injury claim.

Parents of Deceased Woman Cannot Sue Texas Contractor

Parents of a woman who drowned after her car missed a bridge cannot sue the contractor who worked on and fixed the bridge. Justice Debra Lehrmann stated that any decision to rectify the condition would have had the effect of changing the terms of a contract.

Canadian Fined $15,000 for Cleanup in Violation of Stop Work Order

A man working with Toronto-based Asbescan Environmental Co., Inc., received a fine of $15,000 for violating the Occupational Health and Safety Act.

Workplace Deaths in NW England Rose 35 Percent

The number of work-related deaths in North West England has risen by 35 percent in the past year, new figures from the Health and Safety Executive (HSE) show.

Canada Considers Switching to Prepaid Policy Following Death of Gas Station Employee

In an effort to increase safety for attendants at gas stations, the Ontario Ministry of Labor is considering imposing a prepaid policy following an attendant's death in a "gas and dash" incident.

New South Wales Leaves Workers Comp Rates Unchanged

WorkCover NSW of Australia is leaving workers compensation industry classification rates unchanged for 2011-12, according to information from the Work Cover Authority of NSW. Each year the NSW government approves rates the WorkCover Scheme charges employers for workers compensation coverage.

Canadian Provence Gets Employees Back to Work

The number of serious injuries in Nova Scotia workplaces is at its lowest level in 15 years, the Workers Compensation Board of Nova Scotia announced in its 2010 annual report. In 2010, 6,921 people suffered serious injury on the job. In 1995, there were 10,515 time loss injuries.

Report on Fatal British Workplace Injuries

June 28 marked the publication by the Health & Safety Executive of the 2010-11 workplace fatal injury statistics for Great Britain. HSE notes the underlying five-year trend for workplace fatalities continues downward. The number of such deaths in 2010-11 was 171 workers killed, lower than the five-year average.

 ElephantLogo TIP TALK

Adjusters Do This When Receiving a Claim:

 

  1.  Makes a 24-hour three-point contact with the employee, employer, and medical provider.
  2. Obtains a recorded statement from the employee regarding the details of the accident and the nature and extent of the employee's injuries.
  3. If subrogation is a possibility, put the insurance carrier on notice of the intent to subrogate.
  4. Obtains the doctor's diagnosis and prognosis.
  5. Obtains wage documentation and in order to calculate the indemnity benefit rate.
  6. Establishes appropriate reserves for the indemnity and medical cost.
  7. Arranges for the employee to return to work on light/modified duty.
  8. Provides any type of medical management on the claim.
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Rebecca Shafer, Attorney & Risk Consultant
Amaxx Risk Solutions, Inc. 
Contact Us: 

 Becki@ReduceYourWorkersComp.com