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Can Obesity Affect Workers’ Compensation Costs and Claims?

Can Obesity Affect Workers’ Compensation Costs and Claims?Obesity is effectively an epidemic in the United States. The amount of adult Americans considered obese was cited at around 39.8% in 2015 and 2016 by the Centers for Disease Control and Prevention (CDC), which translates to about 93.3 million U.S. adults. According to projections done by the National Health Forum, that number is expected to rise to nearly 50% by the year 2030. The high obesity rate negatively impacts medical costs in the country, with the annual …

Recent Survey Asks Employees What the Workers’ Compensation System Can Improve

Recent Survey Asks Employees What the Workers’ Compensation System Can ImproveAccording to data shared by the Workers’ Compensation Research Institute (WCRI), an average of 10.5% of workers surveyed in 15 different states never returned to work following a workplace injury. Between 11% and 20% of respondents also reported being “very dissatisfied” with their care. It is well known that the longer an injured employee is away from the job, the less likely they are to return at all. And of course the more time an injured worker spends recovering …

The Biggest Workers’ Compensation Claim Causes in the Winter

The Biggest Workers’ Compensation Claim Causes in the WinterWinter brings festive holidays and cheer, and while spirits may be bright, weather is usually less pleasant. The 2019 Farmer’s Almanac predicts a colder-than-normal winter beginning in February, especially in the eastern part of the country. Low temperatures, strong winds and heavy precipitation levels bring about conditions that residents of the Northeastern coast often have to deal with in the winter. Snow, rain, sleet, and hail are considered bad conditions for drivers, but they can also greatly increase the risk …

How Workers’ Compensation and Loss Control Can Work Together

How Workers’ Compensation and Loss Control Can Work TogetherIn regards to controlling workers’ compensation costs, the traditional approach has always been to focus on reactively managing claims, beginning at the time of loss and continuing through the life of the claim. While having a comprehensive post-loss approach is an important aspect of workers’ compensation cost control and should absolutely be included as part of an organization’s risk management program, it should not be the main focus. A post-loss approach, on its own, does not address all of the …

The Cyber Liabilities of the Workers’ Compensation System

The Cyber Liabilities of the Workers’ Compensation SystemThe workers’ compensation system may not seem like a popular target for cyber criminals, but according to security experts and recent research, it is poised to become one. Any industry comes with cyber risk, but a breach of workers’ compensation policyholder data puts a complicated combination of personally identifiable information, protected health information and financial information at risk. Experts agree that workers’ compensation insurers should make it a priority to anticipate and prepare for data breaches. According to Patrick Fowler

How Natural Disasters Can Affect Workers’ Compensation

How Natural Disasters Can Affect Workers’ CompensationBoth the East and West coasts have seen their share of devastation this year. When a natural disaster rolls in, knocking out power, destroying homes and even taking lives, many businesses are forced to limit the scope of their operations or suspend them completely. Employers may be left wondering how an event like this will affect their workers’ compensation premiums and employers liability insurance. Employees may be concerned about the effect it will have on their workers’ comp benefits and …

What’s Going on With Workers’ Compensation “Opt-Out”?

What’s Going on With Workers’ Compensation “Opt-Out”?The workers’ compensation system has been around for more than a century, helping both employees and their employers recover, physically and financially, following a workplace injury or accident. Workers’ compensation insurance was created to protect injured employees and their employers from time-consuming and costly litigation resulting from workplace injuries and to implement a system that allows employees to receive benefits while they are being rehabilitated on their path to returning to the workplace.

Supporters of the traditional workers’ compensation system …

Air Ambulances and Workers’ Compensation

Air Ambulances and Workers’ Compensation“Air ambulance” is a term used to describe a type of helicopter that – just like a traditional ambulance – is equipped with medical equipment and staffed by medical professionals. Air ambulances are typically used in situations where quick transport is needed for patients in life-threatening situations. The most commonly transported patients are those with traumatic injuries, heart attacks, strokes, respiratory diseases and pregnancy complications. According to The Association of Air Medical Services, more than 550,000 patients in the U.S.

Recent Updates to New Jersey Workers’ Compensation Legislation

Recent Updates to New Jersey Workers’ Compensation LegislationNew Jersey, like many other states, requires all employers – including corporations and LLCs – to carry workers’ compensation insurance if they have at least one individual that is paid to perform services for the company. Since 1911, New Jersey workers’ compensation law has regulated and provided income and benefits for employees who have been injured or sick due to workplace-related causes. Although this law has been around for over 100 years, it is constantly changing and adapting to meet …

A Workers’ Compensation Primer for Small Businesses

A Workers’ Compensation Primer for Small BusinessesInsurance agents with small business clients should know the importance of a good workers’ compensation insurance program. Workers’ compensation insurance ensures that workers who are injured while on the job are able to get the medical care and wage replacement they need until they’re able to return to work. Regardless of who is at fault in a workplace injury – an employee, the employer or even customers or visitors to the worksite – workers’ comp benefits are guaranteed to the …