The National Safety Council’s (NSC) recently issued the report, Prescription Pain Medications: A Fatal Cure for Injured Workers, identifies 15 court cases from 2009 through 2015, where an employer was sued because of the prescribed use of opioids to treat...

Many businesses accept on “good faith” that the Workers’ Comp audit is done correctly. Yet, the audit process is complex and prone to many errors and omissions. Since a Workers’ Compensation premium is estimated initially, the actual cost is determined...

It is obvious, yet often overlooked, factor in controlling the costs of Workers’ Compensation. It is the immediate supervisor, or more accurately, the person who is the perceived loss of the injured employee. While this may seem like a no-brainer,...

Employers have spent a lot of time and money on the traditional solutions to slips, trips, and falls, which occur in almost every type of workplace, yet they still account for: More than 95 million lost work days per year...

One of the most confusing components of an employer’s Workers’ Compensation Policy is the Experience Modification Factor. They watch it increase and decrease from year to year – higher Experience Modification Factors generally increase costs and lower factors reduce them....

While insurance companies now have more tools to determine the pricing of a workers’ comp policy, the Experience Modification Factor (mod) remains a core factor in the pricing determination. The lower the mod, the lower the premium. Perhaps, most importantly,...