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…
Predictability vs. Guessing: Why the Law of Large Numbers Matters in Insurance DecisionsRead More
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…
If You Fail To Plan Your Account Instructions, You Plan To FailRead More
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.…
The Silent Killer of Claims: What Happens When No One Follows UpRead More
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…
2026 Is the Year to Systematize Empathy — Here’s How
For years, “empathy” has been a buzzword in workers’ comp — spoken often, but rarely operationalized. We all know empathy is important. Injured workers are…
2026 Is the Year to Systematize Empathy — Here’s HowRead More
The Hidden Threat of Fear: How It Quietly Derails Your Workers’ Comp Program
When workers’ comp claims go off the rails, most employers look for technical explanations. Was the injury serious?Was the adjuster slow?Was medical care delayed?Did the…
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Show Me the Savings: Using Data to Sell RTW to the C-Suite
Transitional duty programs are one of the most effective ways to reduce workers’ compensation costs, improve employee outcomes, and lower your experience mod. But if…
Show Me the Savings: Using Data to Sell RTW to the C-SuiteRead More
Most Often Missing Component in WC Reform
Most People Aim for Nothing “Most people will aim for nothing and hit it with amazing accuracy.” Hello, my name is Michael Stack and I’m…
What to Do When Injured Employees Can’t Come Back
Even the best-managed return-to-work (RTW) programs can’t bring back every injured employee. Sometimes, due to medical complications, psychological barriers, or the nature of the injury…
Innovation from National Comp: Paradigm’s HERO MSK Program
I recently attended National Comp and, as always, looked forward to hearing what is new in the workers’ comp industry. At last year’s conference, I…
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Why ‘Counting Paperclips’ Hurts More Than It Helps in Return-to-Work Programs
When an injured employee returns to work under a transitional duty program, the goal should be more than simply having them “back on the clock.”…
Why ‘Counting Paperclips’ Hurts More Than It Helps in Return-to-Work ProgramsRead More
Think You’re Too Big to Worry About Frequency? Think Again
When a large company faces a single catastrophic injury, it grabs attention—and rightly so. These severe losses can be emotionally and financially draining. But while…
Think You’re Too Big to Worry About Frequency? Think AgainRead More
Can a High Deductible Plan Help Lower Your Mod?
When it comes to structuring your workers’ compensation insurance, high deductible plans offer flexibility, savings potential, and a level of control that guaranteed cost programs…
The 70% Discount You Might Be Missing in Workers’ Comp
Many employers worry that reporting small injuries will automatically raise their workers’ comp premiums. It’s an understandable concern—especially when trying to keep your experience modification…
The 70% Discount You Might Be Missing in Workers’ CompRead More
Building Partnerships, Not Transactions: The Secret to Better Claims Outcomes
Workers’ comp has evolved dramatically over the past 20 years—virtual staffing, remote adjusters, digital claims systems, automated reporting, telemedicine. But for all the technological progress, …
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