Is It Time to Report Height and Weight on Workers Comp Claims?

As recently reported in Insurance Journal, a new report issued by NCCI confirms anecdotal data that workers compensation claims are generally much more costly for obese versus non-obese workers.  As the title of the report, “How Obesity Increases the Risk of Disabling Workplace Injuries,” implies, that cost includes the significant likelihood that the claim of [...]

Workers Compensation Medical-Only Losses: A Refresher for All, an Update for New Mexico and Colorado

Many of you are undoubtedly familiar with the importance of medical-only claims to the experience modification rating process. In a great majority of states, these claims, also known as injury or IJ code type 6 losses, are reduced by 70% for the purposes of the mod calculation. This reduction is also known as the experience [...]

Small Medical-Only Claims – To Pay or Not to Pay?

by Maureen Gallagher, WorkCompEdge Regular Contributor Editor’s note: today we welcome commercial insurance broker and consultant Maureen Gallagher as a regular contributor to the WorkCompEdge blog and wiki. Maureen, a partner with Neace Lukens and founder of Insurance Partners Academy, will be bringing commentary, success stories and in-depth analysis on current workers compensation affairs to us [...]

Thoughts about Claims Management – and the Electoral College

by Frank Pennachio, WorkCompEdge Regular Contributor Barack Obama was yesterday’s winner by notable margins in both the electoral and popular votes, but those two sets of numbers (currently 349 to 163 in electoral votes and 52% to 46% in the popular vote, with a couple of states still not reported) still tell different stories. Every [...]

Could We Save Money by Reporting MORE Injuries?

by Frank Pennachio, WorkCompEdge Regular Contributor Much has been written about the decline of the frequency of workplace injuries over the past 15 plus years. Improved workplace safety, modular construction, cordless tools, and reductions in heavy manufacturing are some of the most popular reasons attributed to the decline.  On the surface, this sounds like a [...]

Injured Employees and the Psychology of the Right Treatment

by Frank Pennachio, WorkCompEdge Regular Contributor As I suggested in last week’s blog and several of you commented to confirm from your own experiences, the so-called “bad employee” – one who is intentionally milking the system – does NOT contribute to work comp costs and problems as much as we might like to think. Today [...]

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