Preventing Workers Compensations Claims From Remote Work The proportion of remote workers surged during the initial onset of the COVID-19 pandemic. Since then, some employees have gradually returned to the office, but a considerable share either continue to work from home full-time or utilize hybrid arrangements. Over the years, this trend has posed new occupational […]

Artificial Intelligence and its Impact on Workers’ Compensation Recent years have seen artificial intelligence (AI) surge in popularity. Such technology encompasses machines, computer systems and other devices that can simulate human intelligence processes. In other words, this technology can perform a variety of cognitive functions typically associated with the human mind, such as observing, learning, […]

The First 24 Hours After and Injury The moment an injury occurs, it initiates a sequence of events that can last for weeks or even months. But no matter how prolonged the recovery period, the first 24 hours after an injury are the most crucial. To respond effectively to an incident, the majority of the […]

The Importance of Communicating With Employees During Workers’ Compensation Claims Employees who face work-related injuries and illnesses commonly have subsequent stress and anxiety. Oftentimes, this stress is made worse should employers stop communicating with the employee while they’re unable to work. It is important for employers to make their employees feel appreciated and to invest […]

When is a Workers’ Compensation Claim Compensable? Carefully evaluating workers’ compensation claims is crucial in helping your company save money and prevent fraud. Workers’ compensation is simply a form of insurance that offers employees medical coverage in the event they are injured during a work-related function. Depending on the state of residence, it may also […]

Direct and Indirect Workers’ Compensation Costs Explained Workers’ compensation claims have a variety of different costs associated with them. Some of these costs are expected costs, while others are unexpected. Here’s the difference between these terms: Expected costs are those that are covered by workers’ compensation insurance. Such expenses are commonly referred to as direct […]

The Impact of Comorbidities on Workers’ Compensation Programs There are numerous factors that can contribute to higher workers’ compensation expenses for an organization. Specifically, one emerging cost driver is the concern of comorbidities. A comorbidity occurs when an individual experiences multiple health conditions at the same time. The presence of comorbidities within your workforce can […]

Can Health Insurance Rebates Affect Workers’ Comp Premiums? Since 2012, the Affordable Care Act (ACA) has required insurers with a certain medical loss ratio (MLR) to issue a rebate to employers. Depending on the way the rebates are distributed, you may end up paying more for your workers’ compensation insurance. Medical Loss Ratio The MLR […]

Is Paying Small Work Comp Claims Out of Pocket Ever a Good Idea? Medical-only claims are an important factor in the experience modification rating process. In many states, these claims, also known as injury or IJ code type 6 losses, are reduced by 70% for the mod calculation. This reduction is known as the experience […]