How to Build a Trial-Ready File From Day One
If a workers’ comp claim ends up in litigation, the outcome is often determined long before the hearing date. Not in the final week. Not…
2 Simple WC Metrics To Clarify Action Plan
When it comes to workers’ compensation data, most employers are drowning in information yet starving for meaning. Hello. My name is Michael Stack. And if…
“Don’t Report It”: How One Sentence Drives Litigation
There’s a sentence that quietly destroys workers’ comp programs. It’s rarely written down. It’s rarely part of policy. But it spreads quickly. “Don’t report it.…
“Don’t Report It”: How One Sentence Drives LitigationRead More
The Get-Well Card That Prevents a Lawsuit
Most workers’ comp litigation doesn’t start in a courtroom. It starts in silence. An employee gets hurt. They go to urgent care. They go home.…
The Hidden Stabilizer Inside Your Mod Worksheet
If you’ve ever looked closely at your experience mod worksheet, you may have noticed a term that sounds out of place in insurance: Ballast. It’s…
2026 WCRI Preview: What I’m Looking Forward To
There’s nothing more valuable than face to face interactions. Hello. My name is Michael Stack, and I’m CEO of AMAXX. And if you don’t know…
Set Expectations for Workers’ Comp Success
One of the simplest ways to obtain what you want to gain control of workers’ compensation costs is to set expectations in advance. Hello. My…
Small Mod Changes, Massive Cost Impact
Many employers see their experience modification factor move from 0.90 to 1.10 and think: “It’s only a two-tenths difference.” But that “small” change can dramatically…
How Low Can Your Experience Mod Really Go?
Many employers look at their experience modification factor (mod) and ask a simple question: “How much lower can this realistically go?” It’s a smart question…
The Anti-Dashboard Strategy for Workers’ Comp Leaders
Most workers’ comp programs don’t fail because they lack data. They fail because they have too much of it. Pages of metrics.Color-coded dashboards.Reserve charts.Medical breakdowns.Litigation…
The Anti-Dashboard Strategy for Workers’ Comp LeadersRead More
2 Levers to Control Workers’ Comp for Employers
We all love to have the feeling of control, especially in workers’ compensation. Hello. My name is Michael Stack. And if you don’t know me…
If You’re Not Measuring Claims Rate, You’re Guessing
“We had more claims this year.” That statement means almost nothing. If your company grew 40%, hired seasonal workers, or acquired new divisions, of course…
If You’re Not Measuring Claims Rate, You’re GuessingRead More
The One Number That Turns Workers’ Comp Into a Profit Strategy
Most workers’ comp reports fail for one simple reason: They focus on activity instead of impact. Total incurred losses.Claim counts.Lag time averages.Litigation percentages. All useful.…
The One Number That Turns Workers’ Comp Into a Profit StrategyRead More
Why the Best Workers’ Comp Programs Start at the End
Most employers collect injury data because they’re required to.Very few employers use that data the way it was intended. OSHA, workers’ compensation, and internal reporting…
Why the Best Workers’ Comp Programs Start at the EndRead More
The One Number That Tells You If Your Workers’ Comp Program Is Actually Working
How do you know in workers’ compensation if things are going well or not? Hello. My name is Michael Stack. And if you don’t…
The One Number That Tells You If Your Workers’ Comp Program Is Actually WorkingRead More
The Overlooked Power of Near-Miss Reporting in Workers’ Comp Prevention
Most employers track injuries.Some track claims.Very few track near misses—and that’s a costly mistake. A near miss is an unplanned event that could have resulted…
The Overlooked Power of Near-Miss Reporting in Workers’ Comp PreventionRead More
One Injury, Too Many Owners: How Data Confusion Increases Claims Costs
When an employee gets injured, a surprising question often follows inside the organization: Who actually owns the data? Is it HR?Is it Safety?Is it Risk…
One Injury, Too Many Owners: How Data Confusion Increases Claims CostsRead More
Why ‘More Help’ Isn’t Always the Answer in Workers’ Comp
When workers’ comp results disappoint, employers often respond the same way: add another vendor. Nurse case management. Surveillance. IMEs. Specialized litigation firms. New technology platforms.…
Why ‘More Help’ Isn’t Always the Answer in Workers’ CompRead More
One Trick to Have Adjusters Follow Your TPA Account Instructions
One of the biggest complaints that people have in the work comp industry regarding account instructions is how do I get my adjusters to follow…
One Trick to Have Adjusters Follow Your TPA Account InstructionsRead More
Is Your Workers’ Comp Problem Frequency or Severity?
When workers’ comp costs rise, most employers immediately look for solutions. But too often, they skip the most important step: diagnosing the real problem. Before…
Is Your Workers’ Comp Problem Frequency or Severity?Read More
