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Why Workers’ Compensation Treatment Guidelines are Important

Why Workers’ Compensation Treatment Guidelines are ImportantWhile some jobs carry greater risks to safety than others, there is no such thing as a completely “safe” job. Nearly every position and every employee has a potential of filing a workers’ compensation claim at some point. While some larger companies might develop their own policies, many seek out a specialty insurance agency skilled in providing the right policies that protect businesses and their employees from the physical injuries that may happen at work as well as the financial …

How to Improve the Workers’ Compensation Consumer Experience

How to Improve the Workers’ Compensation Consumer ExperienceIt has been shown that the quality of a workers’ compensation program has a significant impact on whether an injured or ill employee returns to work at all, how quickly they are able to return to work, and how they will perform at work after their injury or illness. Once an employee has been away from work for six months, he or she has only a 50 percent chance of returning to their former employer. This chance drops to 25 …

Addressing Workplace Violence in the Workers’ Compensation System

Addressing Workplace Violence in the Workers’ Compensation SystemWhile feeling safe in your own workplace may seem like a reasonable expectation, violence in the workplace is more common than most people think it is. According to the Occupational Safety and Health Administration (OSHA), workers in the United States file more than two million reports each year regarding violent incidents against them in their workplace. This number may only be a fraction of the actual violent incidents that occur, as many tend to go unreported. When it comes to …

The Importance of Prompt Workers’ Compensation Reporting Policies for New Jersey Employers

The Importance of Prompt Workers’ Compensation Reporting Policies for New Jersey EmployersPrompt reporting of workers’ compensation claims is a crucial component to controlling workers’ compensation claim costs. In some states, not reporting a claim in a timely manner can give employers a strong defense in workers’ compensation court. However, in the New Jersey workers’ comp system, the amount of allowed extensions on reporting make this a weak defense for employers. Without solid policies on workplace injury reporting practices, employees can legally delay reporting in New Jersey for up to 90 days.…

The Benefits of Retrospective Rating Workers’ Compensation Plans

The Benefits of Retrospective Rating Workers’ Compensation PlansA retrospective rating workers’ compensation plan is a type of plan in which the premium is adjusted after the policy has expired in order to more accurately reflect the losses of the insured over the life of the policy. This designated rating program combines actual losses and graded expenses incurred during the policy period to determine the amount of the final premium. This plan is not a workers’ compensation insurance policy itself, but rather an endorsement to a policy that …

How the Opioid Epidemic Has Hit the Workers’ Compensation System

How the Opioid Epidemic Has Hit the Workers’ Compensation SystemThe workers’ compensation industry is not immune to the ongoing opioid crisis, according to a report from the National Council on Compensation Insurance (NCCI). While the NCCI’s report states that “the workers compensation system is better off than the public at large” in battling against an opioid epidemic, the study also shows that injured workers who were prescribed at least one prescription in 2016 received three times as many opioid prescriptions as the U.S. opioid-prescribing rate – which, according to …

5 Key Components of an Effective Return-to-Work Program

5 Key Components of an Effective Return-to-Work ProgramWhen an employee is injured on the job, the employer is required to give them enough time to completely heal from their injuries before they return to work. However, it is possible for injured workers to be away from work too long, and it can even affect workers’ compensation premiums for the employer. Statistically, the longer an injured worker remains out of work due to an injury, the less likely they are to return to work at all. For example, …

Alternative Coverage: Breaking Down Large-Deductible Workers’ Compensation Plans

Alternative Coverage: Breaking Down Large-Deductible Workers’ Compensation PlansNo matter what state a business operates in, workers’ compensation is available to help protect said businesses and its employees. Requirements vary on a state-by-state basis, and in some states coverage is not required at all. For many businesses, especially large corporations, handling workers’ comp cases for out-of-state employees, part-time workers or certain contractors can be a difficult process. Additionally, rising premium costs in some states have led business owners to seek out alternatives to traditional guaranteed cost workers’ comp …

Pennsylvania Legislature Introduces Law to Funnel Asbestos Claims into Workers’ Compensation System

Pennsylvania Legislature Introduces Law to Funnel Asbestos Claims into Workers’ Compensation SystemA new workers’ compensation law is being introduced into Pennsylvania legislature that may soon make exposure to asbestos and other hazardous materials in the workplace a workers’ compensation-exclusive remedy in the state.

The bill, H.B. 2207, is sponsored by 11 state representatives and aims to combat civil lawsuits regarding illness as a result of hazardous materials, such as asbestos, in the workplace by including asbestosis, mesothelioma and other diseases that don’t show immediate symptoms under the “exclusive remedy” of …

New York State Workers’ Comp Board Proposal Includes Two Potential Changes

New York State Workers’ Comp Board Proposal Includes Two Potential ChangesThe New York State Workers’ Compensation Board has introduced a proposal aimed at making several improvements in the overall medical treatment of injured workers. The proposal includes two potential major changes, as well as a few other enhancements. Combined with other recent Board initiatives, the board is hopeful that these changes will encourage more health providers to treat workers’ compensation claimants.

Workers’ Compensation Board Chair Clarissa M. Rodriguez commented on the proposal in a Board press release, saying that …