Alberta Premium Rate to Stay Unchanged for 2010
Despite a challenging economy, Alberta, Canada employers have once again proven that keeping the right focus on injury prevention and disability management is truly beneficial. It was announced that employer premium rates will remain unchanged at $1.32 per $100 of insurable earnings for the third year in a row.
“As challenging as the economic uncertainty has been, it solidified the need for a continued focus on the core business of return to work and ensuring financial stability,” said Guy Kerr, president and CEO of WCB-Alberta. “We know we have the right programs and partnerships in place to be successful-we have proof of that in our results. Together, we are building a system that will be stable for years to come.”
WCB-Alberta anticipates continued strong operational performance; however, the variable continues to be economic uncertainty and WCB is proceeding with caution. Economic factors such as insurable earnings and claim rates have a direct impact on premium rates. Although there are positive signs in the current economy, accurately forecasting what may occur has been challenging. As a result, WCB-Alberta is taking a cautious approach in setting the 2010 premium rate.
The following forecasts affected the 2010 rate setting:
1. Insurable earnings predicted to remain the same as 2009: $74.6 billion.
2. The number of time lost claims will drop to 27,600.
3. Claim duration will increase to 36.3 days.
4. Time lost claim rate will stay at 1.6 per 100 workers.
5. Disabling injury rate will hold steady at 2.8.
In a meeting with stakeholders, Kerr reinforced the need for collaborative partnerships and collective performance as being essential components for success. (workersxzcompxzkit)
“Our work as partners keeps the system stable and workers on the job. We are focused on helping injured workers get back to work safely and appropriately, and we must use all of our resources to make that happen,” Kerr said.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3
By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
An International Viewpoint
A group Swedish and British scientists say working conditions must be improved for older people if governments and companies are to persuade them to keep contributing to economic growth into their old age, according to. This is this was seconded by the keynote speaker at the National Workers’ Compensation Conference last week in Chicago, President of iii, in New York.
According to a Reuters report, researchers studied nearly 15,000 employees in France and discovered they felt increasingly less well in the years leading up to retirement, but dramatically better off after they stopped work — indicating they viewed work as harmful to their health.
The study, compiled from annual surveys of the workers’ self-rated health, found between the year prior to retirement and the year following retirement, the risk of workers indicating they were not well fell from 19% to 14% — a drop the researchers said corresponded to a gain in health of eight to 10 years.
Populations are aging across the developed world and a number of governments are already making moves toward increasing the age of retirement in an attempt to cope with the potential explosion in extra costs to health and social services.
A study by Danish researchers in October 2009 showed more than half of babies born in rich nations today will live to see their 100th birthdays — a trend meaning they are also very likely to have to work longer into old age. The study, published in The Lancet medical journal, used data from workers at a gas and electricity firm operating throughout France. (workersxzcompxzkit)
Compared with many employees worldwide, the workers retired early — from age 55 — and received good pensions of approximately 80% of their former salary. But the researchers said the “substantial improvements shown by most employees” indicated the results could apply to a large proportion of workers in developed countries, particularly those with good social security provision following retirement.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3 By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
Building a corporate or division safety program is perhaps more important than the post-loss aspects, because stopping injuries is obviously better than controlling them once they occur. So, while there is a cost to development of a top-notch safety program, the cost-benefit far outweighs the out of pocket cost. 1. Keeping Safety Records Key to Success All elements of your safety program should be documented, reviewed annually, and updated, if appropriate. Safety program documentation and injury and illness recordkeeping are the ways in which you not only improve your program but also help you manage workers' compensation cases as they occur. Check OSHA, as well as state OSHA organizations, for the latest recordkeeping regulations. 2. Encouraging Accountability and Discipline When Necessary Decide how you will enforce the safety program at both the management and employee level, especially how employee discipline, up to and including termination, for safety violations will be handled, and whether managers' compensation and/or bonuses will be partially tied to safety results, etc. Seek the guidance of your Human Resources department on this subject. 3. Key performance indicators measure success Consider predictive indicators of potential accidents like number of near misses and number of safety work orders as possible measurements, as opposed to number of accidents (a lagging indicator – the damage is already done). (workersxzcompxzkit) 4. Select a Safety Committee, Chairman and Secretary Include people from production, senior management, risk management, production management, maintenance, human resources, etc. The safety committee should be of sufficient size to provide for adequate representation of the workforce. Define and document the committee's mission, goals and responsibilities of the members.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers' Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3 By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers' comp issues. ©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
Okay, so we have covered how to gather recommendations, and you've put together your workers' compensation team and assessed your strengths and weaknesses. Now it's time to look at your recommended course of action and review the next steps. Many of these steps will apply to both private employers and public employers, those who are under the domain of FECA — federal employers such as TSA, NASA, U.S. Border Patrol, and any civilian employed by the federal government.
1. Review the assessment's recommendations. They should be in the following areas: management commitment and resources, fraud control, return to work, working with your insurance company and TPA, medical cost controls, pharmacy management.
2. Brainstorm. Discuss the priority of recommendations, potential challenges and ways to overcome obstacles.
3. Make it a formal meeting by calling it: Recommendation Review.
You will need to send a meeting invitation (e-mail) — a first step toward building a cohesive program.
Include in the invitation:
1. Thank all participants for completing the assessment.
2. Point out where the results confirm company strengths.
3. Point out the areas needing improvement.
4. Refer to those areas needing immediate improvement.
5. Include a hyperlink to specific recommendations for improvement.
6. Include the time, date and place for the kick-off meeting. If this is a teleconference, be sure to include the contact method.
Based on their scores, divisions immediately see their strengths (and areas of improvement) and begin to pinpoint remedial strategies to improve their program. The team leader serves as facilitator and appoints a team member to record action items, responsible party, and completion dates on the timetable for each recommendation. (workersxzcompxzkit)
Invite a cost containment expert from your insurance broker to the meeting to offer insight about ways to overcome obstacles. As always, ensure recommendations are concrete and bridge the gap between your current practices and your goals, so you can keep measuring your progress as you move toward goal accomplishment.
Author Robert Elliott,executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers' Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3 By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers' comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
1. Create Communication Within Your Safety Program A working safety program requires two-way communication: information shared with employees and feedback from employees on workplace safety hazards. All communication should be bi-lingual, if appropriate. Some suggested communication methods include employee safety meetings (all shifts), safety posters, newsletters, videos, and even a safety suggestion box. 2. Conduct a Thorough Workplace Assessment An initial and ongoing workplace safety audit is an important tool in a company's safety and health program. Plant managers and their employees must analyze all worksite conditions to identify and eliminate existing or potential hazards. This must be done on a regular and timely schedule. The assessment should evaluate your workplace with respect to safety and health regulations, generally recognized safe work practices, physical hazards and use of any hazardous materials. The assessment should be documented. There are a number of websites, including OSHA, that have sample safety audit templates. 3. Hazard Correction/Safety Work Order Tracking System Involve employees in this process – their knowledge of the jobs and tasks will ensure a quality assessment and will help get "buy in." Plant maintenance employees are a great source for recognizing hazards. IMMEDIATELY correct hazards that are found. Don't wait for the audit to be done! Develop actions plans whenever needed. Develop a system for employees to report hazards. Again, it is helpful to review loss history to look for trends. "Near misses," in which an accident didn't occur, but could have, can give a good indication of inadequate hazard controls. Let employees help develop ideas on how to control and eliminate hazards in their surroundings. Provide Personal Protective Equipment (PPE), where needed, and train employees on how to use it. Consult OSHA regulations for specific requirements. Safety audits should be supplemented with safety inspections. Inspections can be informal or formal, using a checklist. Continuous inspections are performed by employees or supervisors as part of their daily routine. (workersxzcompxzkit) Planned inspections take place periodically (weekly, monthly or semi-annually) and are usually limited in scope, or specific to a site. Intermittent inspections take place on an irregular basis and are usually not scheduled (during construction activities, for example).
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers' Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3 By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers' comp issues. ©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
To establish consistency and credibility, and to comply with applicable federal (OSHA) and state regulations (Cal/OSHA, for example), it is important to document what you are doing. The written policies, procedures and programs should be posted for all employees to see, and can be distributed via your company’s intranet. A safety manual is one method of compiling all of your safety policies, procedures and programs. To remain effective, all policies, procedures and programs should be reviewed annually. Remember to stay current on all federal and state regulations and requirements.
An accident investigation program is a CRITICAL tool in preventing new accidents. It is always a key part of an effective safety process. All accidents, near misses and incidents should be thoroughly investigated. The investigation should be documented and provide answers to Who, What, When, Where, Why, and How.
Review all accidents, near-misses and incident investigations during your safety committee meetings. Also, consider linking an electronic accident reporting form to an Accident Evaluation form so that the information automatically flows from one form to the other.
Essential training for employees, supervisors and managers
It is imperative, and often a regulatory requirement, that everyone in the workplace be properly trained, including contractors, part-time employees and temporary employees. Employees must know how to do their jobs safely, how to recognize hazards and how to prevent injuries and illnesses. No employee should be expected to do a job until he has been trained to do it safety and is authorized to perform it!
Employees need to know:
1. The success of the safety and health program depends on everyone’s actions.
2. Safe work procedures are required for every job.
3. When and how to use personal protective equipment (PPE).
4. What to do when an emergency occurs.
Training and instruction should be provided:
1. To all employees when your program is first established, and annually, thereafter.
2. To all NEW employees, as part of their orientation.
3. To all employees given new job assignments for which they were not previously trained. (workersxzcompxzkit)
4. Whenever new substances, processes, procedures or equipment are introduced into the workplace.
5. To ALL supervisors.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3
By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
Get a Workers’ Comp Score Before You Start
Just as a consumer’s credit score gives a bank a numeric starting point indicating where they can begin with a client, a systematic approach to your company’s current workers’ compensation management will help delve into your most needy areas. The WC Score applies to federal employers under FECA as well as those using the state system. Even Canadian employers will find value in getting their best practices assessed as they pay premiums to the government for their workers’ compensation losses.
Is it possible your company has safety measures in place, but no documentation? Alternatively, perhaps your company is excellent at getting injured workers back to work, but not without hurting some feelings.
The assessment test gathers the necessary information from your company and lets you know strengths and weaknesses. Knowing this information helps you begin the implementation process to get a workers’ compensation up and running, reducing your workers’ comp costs.
Once you have collected and documented your company’s current practices, you are in a good position to take the Workers’ Comp Kit assessment and obtain your company’s National Workers’ Compensation Management Score (NWCMS). The higher the score, the better your company’s practices are.
Assessing Your Program
1. As a team meet to discuss and answer the assessment questions.
2. Take the assessment to obtain a score and customized recommendations for improvement. To ensure validity of the score it is important to discuss the questions as a team. Members will have their own experiences and views regarding personnel, policies, and procedures. (workersxzcompxzkit)
Obtaining the workers’ compensation score is only part of the complete process, but it is the basis upon which to build recommendations for improvement, and implementation. The WC Score is designed to be taken by multiple divisions in one company.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3
By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
1-Interior Designer Done In by TV -False Disability Claim Discovered
Sometimes too much exposure can hurt you as a California interior designer discovered after appearing on a home and garden television program. An employee of the insurance company paying the man’s disability benefits saw him on TV and reported him to the state Department of Insurance. The state’s Franchise Tax Board says the man falsely claimed he was disabled for three years and collected nearly $150,000 in benefits, while earning approximately $400,000 in income as an interior designer. (workersxzcompxzkit)
The Los Angeles resident pled guilty to two felony counts of fraud, according to authorities, and was sentenced to 200 hours of community service and ordered to pay more than $180,000 in restitution, unpaid taxes and fines.
2-New York Tattoo Parlor Owner Inked for Alleged Fraud
Authorities in New York charged the owner of a Madison Avenue tattoo parlor with a pair of felonies for allegedly continuing to ink customers after he swore to the state Insurance Fund his hand was in too much pain to work. The Poestenkill man was arrested and charged with insurance fraud and falsifying business records, both of which are felonies.
The owner of the shop allegedly collected $2,200 in workers’ compensation benefits while he kept up his artistry at his shop, according to the Insurance Fund.
In an interview, the defendant said the Insurance Fund was mistaken and confused the date when he opened his shop with the dates when he was actually working there. The man claims he initially opened the shop approximately a year ago after 17 years as a union roofer took a toll on one of his arms, leading him to have three separate surgeries, leaving him in pain and unable to work. (workersxzcompxzkit)
The Insurance Fund said discovery of the alleged fraud saved the fund up to $139,415 over the projected life of the claim.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
DOWNLOAD FREE “FRAUD PREVENTION” AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3
By: Anthony Van Gorp, private investigator with 25 years experience
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
1-Interior Designer on TV. False Disability Claim Discovered
Sometimes too much exposure can hurt you as a California interior designer discovered after appearing on a home and garden television program. An employee of the insurance company paying the man’s disability benefits saw him on TV and reported him to the state Department of Insurance.
Nova Scotia Signs “Good Neighbor Protocol”
In a bid to boost pandemic preparedness by facilitating labor mobility during times of emergency, the Nova Scotia government has signed a ‘Good Neighbor Protocol’ with seven unions. Healthcare employees now are assured of the status of their workers’ compensation coverage when called to work temporarily at another workplace.
The agreement “confirms how health human resources will be shared across the province and how healthcare providers will be compensated and protected while responding to an emergency that impacts the health care system,” the province’s Department of Health noted.
The protocol clears up important questions that, left unanswered, could imperil labor mobility. For instance, the deal removes uncertainty by stating that healthcare workers who volunteer to temporarily work outside of their regular workplace will continue to be covered by the provisions of the Workers’ Compensation Board of Nova Scotia. As well, they will continue to receive their regular pay, benefit accrual, pension and so forth.
“Having the right mix of health care providers in the right place when we need them is the foundation of this agreement,” Nova Scotia health minister Maureen MacDonald said in a statement, adding the protocol is part of the province’s response plan for the current H1N1 flu pandemic.
Effort Initiated Following SARS Pandemic in 2003
The Nova Scotia Government and General Employees Union (NSGEU), which initiated the protocol effort in 2003 following the SARS (severe acute respiratory syndrome) pandemic, describes the protocol as “historic” and says it “will make it easier for the province’s healthcare workers to do what they do best during emergencies: help people.”
Joan Jessome, NSGEU president, notes that during the SARS crisis her union’s members had many questions about travelling to Ontario to work. “We couldn’t tell them if they were going to be protected or who may be paying them, among other things,” she says.
Similar questions were applicable even if workers were only temporarily transferred within Nova Scotia, prompting the NSGEU to create a draft protocol. Jessome says the protocol only began to receive widespread support from organized labor within the last year or so. “It wasn’t going to work if it was just us signing it. We really did need to bring the other unions onboard,” she added.
A significant labor concern, which Jessome says was addressed, was that workers might be forced to temporarily transfer against their wishes. Under the protocol, both the employee and employer must consent to the transfer.
“We had to be very clear about that,” added Janet Hazelton, president of the Nova Scotia Nurses’ Union (NSNU) and a signatory to the agreement. The deal is important because it gives health care workers peace of mind when it comes to workers’ comp and other financial issues, according to Hazelton.
The protocol also weighs in on the provision of personal protective equipment (PPE), stating that transferred workers will receive appropriate PPE and related training. (workersxzcompxzkit)
Apart from the NSGEU and NSNU, five other unions signed on to the protocol: Canadian Union of Public Employees (Nova Scotia), Canadian Auto Workers, Canadian Union of Postal Workers, Service Employees International Union Local 902, and the International Union of Operating Engineers Local 727. The Nova Scotia Federation of Labour.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE FRAUD PREVENTION AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3 By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
New Human Health Study Casts Doubts on Safety of Nanoparticles
It’s almost like being cast into the “Twilight Zone” as a new study published recently in the European Respiratory Journal links, for the first time, possible exposure to nanoparticleswith ill health in humans. A study of toxicity from nanoparticles, a subject of increasing research, looked at a number of factory workers in China.
A study published in Nature Nanotechnology(5-20-08) showed nanoparticles known as “carbon nanotubes” caused mesotheliomain mice. The findings of this and other animal studies are significant because they highlight the possibility of nanoparticles causing cancer or other ill health effects in humans, although until the China study, no “human” studies showed similar results.
Seven healthy female factory workers (aged 18 to 47) all employed at the same unnamed print plant were in the China study. Over a period of 5 to 13 months, these workers were hospitalized with respiratory problems accompanied by skin irritation on the arms, hands, and face. Doctors found excessive fluid (pleural effusion) in the lungs. The women were diagnosed with pulmonary fibrosis (scarring of the lungs) causing impaired lung function. Two of the women died later of lung failure.
The study was led by scientist Yuguo Song, from the Department of Occupational Medicine and Clinical Toxicology at Beijing Chaoyang Hospital. According to Song the workers’ symptoms resulted from their exposure to nanoparticles in the adhesive paint used in the plant. Made from a plastic known as a “polyacrylate ester,” this white “paste material” was scooped into a machine and sprayed onto polystyrene boards. The boards were then heated to a temperature of 75°C to 100°C.
The women worked in an unventilated room with no windows and only one door. The door remained closed to keep the room warm. For several months all seven workers were exposed to fumes and dust without proper protective equipment. Only occasionally they would wear a cotton gauze mask. When interviewed the women mentioned they often saw flecks in the air.
Nanoparticles (30 nanometres in size) were identified by electron microscope in the paint, lung tissue and fluid found in the lungs. The researchers believe nanoparticles entered the body either through lung inhalation. absorption through the skin, or both. They contend it was the toxicity of the nanoparticles rather than the paint vapor that caused the illness experienced by the workers. (workersxzcompxzkit)
As evidence Song points out that within two years, two of the women died and the other five patients’ lung function continued to deteriorate. After the machine was shut down no further cases occurred.
Author Robert Elliott,executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers’ Compensation costs, including airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. He can be contacted at: Robert_Elliott@ReduceYourWorkersComp.com or 860-553-6604.
TO DOWNLOAD OR LISTEN TO FREE “FRAUD PREVENTION” AUDIO PODCAST click here: http://www.workerscompkit.com/gallagher/mp3
By: Anthony Van Gorp, private investigator with 25 years experience.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.
©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
Posted in
