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…
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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…
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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…
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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…
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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.…
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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…
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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
Your Workers’ Comp Vision Is Missing — And It’s Costing You Money
Most workers’ compensation problems don’t start with bad adjusters, uncooperative doctors, or rising medical costs. They start much earlier — before a single claim is…
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Finding the Claims That Will Blow Up Your Costs—Before They Do
By the time a workers’ compensation claim has been open for six months, the outcome is usually already decided. Costs are entrenched.Positions are hardened.Return-to-work odds…
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Biomedical vs. Biopsychosocial: The Real Reason Claims Spiral
Most workers’ compensation programs are built on a simple assumption:Fix the injury, and the claim resolves. From a purely medical perspective, that makes sense. A…
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Not All Catastrophic Claims Start Catastrophic
When employers think about catastrophic workers’ compensation claims, they usually picture dramatic events—amputations, spinal cord injuries, traumatic brain injuries, or severe burns. These are the…
The Discount Trap in Workers’ Comp Medical Care
At first glance, medical discounts seem like a win for employers. Lower fees should mean lower costs — right? In workers’ compensation, the reality is…
Why Telemedicine Is the Front Door of Claim Control
Telemedicine is often marketed as a convenience tool — faster access, fewer clinic visits, and reduced friction. But in workers’ compensation, its real value has…
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The Three Cs of Great Treating Physicians
One of the most overlooked drivers of workers’ compensation outcomes isn’t the network, the adjuster, or even the benefit design. It’s the treating physician —…
Predictability vs. Guessing: Why the Law of Large Numbers Matters in Insurance Decisions
When employers consider changing workers’ compensation insurance structures, the conversation often jumps straight to options: retro plans, captives, high deductibles, or self-insurance. What’s usually missing…
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If You Fail To Plan Your Account Instructions, You Plan To Fail
Planning to Succeed at the Start of the Year Today, I wanna talk about, as we’re kicking off this year here in January… planning to…
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Do You Want to Be in the Business of Insurance? The Question Every Employer Avoids
Most employers believe they’ve already made their workers’ compensation insurance decision. They went to market, reviewed quotes, selected a carrier, and bound coverage. From their…
Do You Want to Be in the Business of Insurance? The Question Every Employer AvoidsRead More
How Risk Financing Really Works in Workers’ Comp (And Why Structure Matters)
When employers talk about workers’ compensation costs, the conversation often centers on premiums, experience mods, or claim frequency. What’s rarely discussed—but has more impact than…
How Risk Financing Really Works in Workers’ Comp (And Why Structure Matters)Read More
The Silent Killer of Claims: What Happens When No One Follows Up
Most workers’ comp programs work hard to respond quickly when an injury occurs.The claim is filed.Medical care is arranged.Paperwork is processed. And then — silence.…
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The Value of Return-To-Work
January 5 Is the Day You Can Feel the Value of Return to Work January 5, 2026. Today is one of my favorite days…
