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Get employees back to work quickly to keep work comp costs down

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In the past I have spoken to clients regarding a particular workers compensation claim affecting them and have asked if they have brought the employee back to work yet. Too many times the answer is no, they have nothing for that employee to do since said employee is not 100% and unable to perform their specific job prior to their workers compensation injury/claim. The problem with this is that too often employers miss the point that even though an employee can't perform in the position they were in prior to their injury, it behooves the employer to create some type of alternative task/job the employee can do until such time they are able to resume their normal duties. Bringing that employee back to work means that work comp benefits /payments in that particular claim are being curtailed, thereby saving the employer potentially more being paid out, while adding to their experience mod and driving their overall work comp expenses up.
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Health Reforms Gettting Closer to a Vote, Who will be Taxed to Pay for It?

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The Senate is scheduled to vote on health reform as early as next week. The buzz around the insurance industry is that health insurance companies are going to be taxed to pay for it. Right now there is talk in Washington about hitting insurance companies with a "windfall" tax from the profits they are expected to make with 50 million more customers in the system. This again is scaring me a little for my small business owner clients. Usually increase in big corporate taxes and or expenses always seem to trickle down to the business owner's pockets. That is what would happen if the insurance companies are taxed to pay for the health reforms. You can count in it. Until next time, be careful out there and know your risks.  K
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Delaware Business Insurance Update from CNC Insurance Associates “Social Media Catching Insurance Fraudsters”. 7-15-18

Social media is having a big impact on the prevention of insurance fraud. Here is one example. A worker at a large lumber company claimed he hurt his back while loading lumber on a flat bed truck. The insurance company accepted his work comp claim and began paying for his time away from work and his medical bills. However the claim adjuster was looking at the social media posts of the injured worker and saw that he was participating in weekend martial arts tournaments. The insurance company immediately denied further coverage and opened up an insurance fraud investigation. This is just one story of how social media is playing a role in insurance claims. As people post the story of their lives online, insurance company adjusters can use this information when adjusting claims.  However this opens up a lot of questions regarding privacy. Some states are looking into possible laws to prevent insurance companies from using social media for claim adjustments but until then it is fair ga...
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