5 Tips to Improve Your Workplace Safety

I am not 100% sure why I am intrigued by workplace safety. Throughout the course of my day I am always looking for safety violations, especially when I am running errands. My day can take me in and out of businesses of all types, and rarely will a time go by when I do not see some sort of safety violation happening. These may be insignificant in nature, but everyone can always be more proactive when it comes to workplace safety.
 
Here are 5 ideas to get you thinking about workplace safety, and tips on how to be more proactive with regard to cutting down your workplace injury exposure. I am sure you may have heard of some of these before, but some may be new. Remember it is never too late to start a safety initiative:
 
 
  • Identify your hazards by reviewing loss run data
 
The first step in figuring out how to be safer is to figure out where your hazards are. By reviewing your work comp claims history, you can identify certain areas or trends in injury occurrence. But don’t limit yourself to the last 6 months or the last year; go back 2-3 years or further if you can. I would be willing to bet a lot of the machinery and a lot of the work processes that you have in place have been the same for a number of years. So go back 3-5 years, and try to sort the data to see what trends stick out more than others.  It could be machinery injuries, types of injuries such as lifting or slip/falls, or maybe it is a certain department that has more injuries than the other departments. Whatever the case may be, you need to begin with sorting the data.
 
 
  • Analyze the risk by job classification
 
So now that you have sorted your data, you need to implement ways to become a safer place to work. Some tasks on the work floor may yield more risk than others. For example, a welder may have more risk associated with their job than an accountant or Human Resources person. This is taking your data analyzing a step further by classifying it by the actual job or job tasks. This will help you come up with ways to try reduce your workplace safety risks.
 
 
  • Implement hand/finger safety requirements
 
For whatever reason, a lot of employers modify machinery once they purchase it. This may be to customize the machine for whatever task they have to complete during the job. Guards are removed, auto-shutoff buttons are covered, belts and engines may be exposed, etc. The hand is one of the leading body parts that are injured. This comes from reaching into machines or from handling materials without the proper gloves. Remember that safety guards are there for a reason. The last thing you should do is tamper with a machine. Countless people lose fingers or hands due to severe lacerations, amputations, or limbs becoming caught in the moving parts of machinery. Even more surprising is that oftentimes management is not aware that the machines are modified to begin with. Workers that use the machines may modify safety components for whatever reason, and it is only after an injury that supervisors notice that the machine was modified.
 
 
  • Eye injury safety programs
 
The eye is another body part that gets injured quite often. This is usually from flying debris. These injuries are the easiest to prevent, since safety glasses are no longer the bulky, heavy pieces of eyewear that they used to be. Companies need to identify heat, chemicals, dust/airborne particles, radiation, welding flash, etc. and implement areas where eye protection is mandatory.  Provide your workers with dependable, easy to wear safety glasses and make sure they use them.
 
 
  • Slips, trips, and falls
 
These injuries are more difficult to identify, but if you are proactive in inspecting areas such as flooring, steps, railings, ladders, and stools, then you should see a decrease in injury occurrence. Also important is the use of non-slip footwear and work boots to cut down on slip exposure. Another thing to remember is to inspect entryways, hallways, and steps that are not covered in non-slip flooring. These areas become hazards when it is rainy or snowing outside. You should keep floor cleaning equipment around to clean up liquid spills, condensation, and materials spills to prevent others from slipping and falling in someone else’s mess.
 
 
The best workers compensation claim is the one that never happens. Safety should be an integral part of any workers compensation management program. 
 
For assistance in helping you get started with safety, contact us today.
 
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

OSHA Ratchets Up Safety Info for Emergency Responders

Emergency responders are oftentimes put to the test, given conditions that most people would prefer avoiding.
 
With that in mind, the Occupational Safety and Health Administration (OSHA) recently published Firefighting Precautions at Facilities with Combustible Dust*, a new, informative booklet that outlines safe procedures for emergency responders who are at risk for coming in contact with fires and explosions caused by combustible dust.
 
"This booklet will keep both emergency response and facility workers safe by giving them a framework to prepare for potential emergencies involving combustible dust," Assistant Secretary of Labor for Occupational Safety and Health Dr. David Michaels stated. "Stakeholders that have reviewed the booklet, including fire chiefs and union health and safety representatives, describe it as 'an excellent resource for explaining the hazards associated with combustible dust and outlining the best practices for pre-incident operational preparation by emergency responders.’”
 
 
Worker Death Toll at More Than 130 Since 1980
 
Since 1980, more than 130 workers have been killed and more than 780 injured in combustible dust explosions.
 
By reading the publication, both employers and workers can learn how combustible dust explosions occur and review previous incidents to illustrate how firefighting operations can prevent combustible dust explosions. The booklet explains the preparations emergency responders can make before a response and how these preparations will affect the operational plan during a response.
 
Combustible dusts include fine particles, fibers, chips, chunks or flakes that, under certain conditions, can cause a fire or explosion when suspended in air. Types of dusts include metal (for example, aluminum and magnesium), wood, plastic, rubber, coal, flour, sugar and paper, among others.
 
Meantime, OSHA's Combustible Dust Web page provides employers and workers with additional information and resources for preventing and minimizing the effects of combustible dust fires and explosions.
 
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Common Workers Compensation Assumptions And Facts

There are many assumptions surrounding workers compensation. Here are a few common assumptions and associated correct facts.
 
Assumption: There is nothing you can do to control workers’ compensation costs.
 
Fact: There are tried and true methods to reduce costs.
 
·     Management must have a positive attitude, developing creative ideas to bring employees back to work more rapidly. Returning employees to work as soon as they are medically able to perform any type of transitional duty job is a key to overall cost reduction.
 
·     Include your broker, insurance account executive, the third-party administrators (TPA) claims manager and a medical advisor in brainstorming meetings. Show how much it costs to pay for one workers compensation claim and the annual cost of workers compensation at each company.
 
·     Use the Sales To Pay For Accidents calculator at http://reduceyourworkerscomp.com/sales-to-pay-for-accidents-calculator/ as a tool for team members to gather information. It’s a real eye-opener.
 
 
Assumption: The best way to reduce workers’ compensation costs is to change insurance companies or TPAs.
 
Fact: The best way to reduce costs is to build a better relationship with your current claims administrator.
 
·     A lack of communication is a major cause of discontent between carriers and insureds. This causes a perception that something is being done improperly. For example, in one case a company believed that nurse case management was too expensive. However, an audit by a medical advisor showed that nurse case management services should be used more and be brought in earlier. It wasn’t effective when it was used, thus appearing expensive and wasteful, because it was used too late in the process. 
 
·     Become more informed about your claims administrator’s services. Invite your TPA in with all of their services to a Vendor Day. Ask for samples of reports and deliverables to better understand their products and know when to request services. Have them give out brochures before Vendor Day so that you can ask knowledgeable questions about their services.
 
·     Visit a claims office to observe their processes. Find out if adjusters have backup and clerical support to get medical files. Observe the intake desk and the lost time and medical adjusters. Ask to see what happens to medical bills when they enter the system until the time they are paid and filed. This will give you a better understanding of how you can interact more effectively, what information adjusters need from you and what information you can provide about your workplace and employees.
 
·     Invite your adjusters to visit your workplace, so that they know what your company does and the types of jobs and skills required of employees. They cannot accurately visualize exactly how an injury occurred if they never visited your workplace.
 
 
Assumption: If you have unions, you’ll never lower your workers comp costs.

Fact:  Negotiating with a union can be successful.

·     Begin with a positive and cooperative attitude.
 
·     The need for a transitional duty program is usually facilitated by unions. Sometimes unions have creative ideas about how a new transitional duty program can work and they will inform you of collateral source benefits. In one case, the union was angry with management because management hadn’t tried to do more to stop several fraudulent claims.
 
·     Inform the union that staying out of work for long periods normally doesn’t help an injured employee heal. In fact, an employee may become depressed once the employee loses a daily routine and social network.
 
·     Focus on the membership’s economic consequences and interests. For example, if the majority of members are young, emphasize how the extra money helps them pay their children’s college tuition. If members are older, emphasize how the savings helps their retirement accounts.
 
 
Assumption: The best thing to do to move a slow claim is request an Independent Medical Evaluation (IME).

Fact:  Requesting an IME can be a double-edged sword.
 
·     If a claim is “stalled,” it’s common for adjusters to recommend getting an IME to get the employee’s status. Before a claim is sent for an IME, have a medical advisor review the claim.
 
·     In some cases, an IME may be warranted. However, sometimes a request makes it worse, such as when the timing isn’t right, when inadequate medical records are included with an IME packet or when inadequate medical questions are asked of the doctor performing the IME.
 
·     Consider a Functional Capacity Evaluation (FCE) instead or get a brief surveillance to see the employee’s actual capabilities.
 
 
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality, and manufacturing. She is the author of the #1 selling book on cost containment, Workers Compensation Management Program: Reduce Costs 20% to 50%. Contact:RShafer@ReduceYourWorkersComp.com
 
 
 
 

Editor Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher. www.reduceyourworkerscomp.com. Contact: mstack@reduceyourworkerscomp.com
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.  

Arms Trapped In Food Processing Machine Brutal Reminder For Workplace Safety

Workplace safety can never be stressed too often, hence another recent injury to a worker in Australia.
 
According to a report from WorkSafe Victoria, the employee suffered serious injuries to her arms after they became trapped in a food processing machine at a manufacturing plant in Shepparton in early April.
 
The woman, who was thought to be approximately 30 years of age, was working around 1.30 a.m. when the incident took place. The victim was airlifted to hospital in Melbourne with serious crush injuries to both arms.
 
Dangerous Machines Injured 11,000 Workers Last Five Years
According to WorkSafe Regional Director Shane Gillard the incident was a horrible reminder of the terrible damage that could be inflicted by dangerous machines.
“Our thoughts go out to this young woman and her family, friends and workmates,” Gillard remarked.
He said dangerous machines had injured almost 11,000 workers in Victoria in the past five years.
“We know machines are essential to many businesses, but they can be dangerous and must be controlled,” Gillard went on to say. “Too many workers are still being injured by common types of machines.”
According to Gillard, “Workers should also speak up if they were concerned about safety. If we’re going to keep Victoria the safest place to work, employers and employees have to play their part.”
 
To find out more about how to make machines safe, check out: www.worksafe.vic.gov.au/plant
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Improper Workplace Safety Training Leads to Tragic Employee Death

Not properly protecting employees while on the job led to one British company receiving a fine, this after a worker died while on a jobsite.
 
According to information from the Health and Safety Executive (HSE), the Merseyside company was sentenced for failing to properly train staff on how to use equipment that enables them to work at height.
 
 
Employee Trapped In Guardrail & Tragically Killed
 
Knowsley-based Firesafe Installations Limited uses mobile elevated work platforms (MEWPs), such as a scissor lift, to access high work areas.
 
Southwark Crown Court in London heard in early April that when a company employee was trapped between the guardrail of a scissor lift and some overhead ducting a colleague could not release him and bring him down due to the fact he was unaware of how to use the emergency controls.
 
Shaun Scurry, 39, of Kirkby, tragically died following the incident at the Westfield shopping centre in Stratford, East London, on Dec. 9, 2009.
 
 
Company Should Have Made Sure of Equipment Operation
 
The court heard that although Firesafe Installations cannot be held directly accountable for the death, the employer should have made sure staff knew how to operate the equipment they were using.
 
 
Workplace Safety Training Should Be Routinely Assessed
 
HSE investigated the fatality and established that familiarization training was inadequate. Industry guidance dictates that such training is essential for anyone using MEWPs, and should be routinely assessed because controls vary between different makes and models.
 
Firesafe Installations Limited, of Security House, Caddick Road, Knowsley Industrial Park South, was fined more than $46,000 and ordered to pay $44,000 in costs after pleading guilty to a lone count of breach of the Provision and Use of Work Equipment Regulations 1998.
 
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

How Your Employees Can Help Reduce Your Workers Compensation Costs

As productive members of your workforce, employees must participate in your Workers’ Compensation Claims Management Program. An important factor that correlates strongly with the employer’s ability to control workers compensation costs is the ability to communicate effectively with employees. 
Here are some things you might want to require that will often make a difference in the final outcome of the workers comp claim.                   
  • Accidents must be reported immediately after an injury. Employees should be encouraged to openly communicate with their supervisors and tell them immediately if there is even a potential for a strain to develop into a workers comp injury. Every personal injury lawyer knows that soft tissue injuries may not develop fully until weeks after the injury. Conditions that are treated immediately may be halted from developing into a full blown workers comp injury that can take an employee out of work.

 

  • Injured employees must bring your injury treatment form to the doctor who treats them. They must get this form updated at intervals you request (e.g. every two weeks). Make sure that you give both the employee and the treating physician sufficient copies of the form so that this simple step is done without excuses.

 

  • Have their doctor fax your injury form to the workplace within 24 hours of each appointment. Make sure your fax number is clearly visible on the form. If you don’t receive the form, call the employee and the doctor to make sure this gets done. The longer the doctor takes to fill out the form, the less details you are likely to get, as the appointment won’t be as fresh in the doctor’s mind. Make sure you have the doctor’s full name and phone number.

 

  • They must attend weekly status meetings at the workplace (unless they are medically unable) until they are back to work in their original job at full capacity. If they are bedridden a nurse case manager can make a home visit, if approved by your legal counsel. Give the nurse case manager a questionnaire to immediately complete and return to you.

 

  • Be available for medical appointments and company meetings during normal business hours. If not, you need to find out the reason

 

  • Provide updates about their medical condition. Ask for details, don’t just accept that they are “feeling the same.”

 

  • Participate in the transitional duty program as required by policy. Have a written transitional/modified duty program ready for employees who can return to work with restrictions so that employees will know what is required of them.

 

  • Comply with all program policies. Make sure all of your policies are in writing and are easily available for the injured employee to access. The policies should be in the employee handbooks distributed to all employees, covered at safety meetings and redistributed to the employee after an injury.

 

  • Sign an acknowledgement form stating they have been informed of and understand all requirements.

 

Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Should SSDI Approval Equal Work Comp Total Disability Approval in NY

A proposal is pending to make a Social Security approval of SSDI benefits proof of total disability under the NY work comp law. Presumably, it is believed that this will reduce needless duplication adjudications of disability in work comp claims.
 
If so, the Board may be in for a series of rude surprises. The differences between SSDI entitlement and NY Workers Compensation law “total” are so great that they bear little resemblance to each other.
 
 
Differences in SSDI and Workers Compensation Total Disability:
 
1. The burden of proof is different. WC decisions must be supported by a “scintilla of evidence. SSDI requires “preponderance of the evidence.
 
2. Causes of disability may not be the same. SSDI considers the cumulative effect of all conditions. NY work comp considers only those disabilities related to the comp claim.
 
3. Definitions of disability are not the same. SSDI permits payments unaffected by casual earning of several hundred dollars a month. Work comp permits no earnings while on total disability, except for a person’s claim that results in 100% loss of vision.
 
4. Duration of disability requirements are different. Work comp requires evidence of permanency into the indefinite future for permanent total. SSDI requires only one year of total and none of that is required to extend into the future. At many SSDI hearings, the applicant has already returned to work.
 
5. In SSDI, payments can overlap full work activity for nine months during a trial work period, even though the earning may be greater than the pre-disability levels. Work comp permits no trial work period with concurrent payments for total disability.
 
 
Board Should Decline Proposal
 
In addition, a full transcript of the SSDI hearing may be necessary and, although obtainable, the process is neither swift nor easy.
 
The Board may discover that the road to this goal is partly paved with good intentions, but mostly mixed with sharp edged boulders.
 
 
Author: Attorney Theodore Ronca is a practicing lawyer from Aquebogue, NY. He is a frequent writer and speaker, and has represented employers in the areas of workers’ compensation, Social Security disability, employee disability plans and subrogation for over 30 years. Attorney Ronca can be reached at 631-722-2100. medsearch7@optonline.net  
 
Editor Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher. www.reduceyourworkerscomp.com. Contact: mstack@reduceyourworkerscomp.com.  
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Worker Severed Finger Due To Lack Of Work Place Safety

A serious injury to an employee recently resulted in a significant fine for one Australian employer for inadequete work place safety.
 
The Industrial Court recently fined Improved Timber Pty Ltd $28,000 plus legal fees after the worker’s finger was severed in a machine that had no guard in place. SafeWork SA prosecuted the manufacturer under the Occupational Health, Safety and Welfare Act 1986 for failure to ensure the machinery was in safe condition for workers.
 
In February of 2012, the worker was operating the docking saw under supervision. The worker was holding the timber in place when the blade caught his hand, thereby leading to two-thirds of his left index finger being severed. The worker required 10 weeks of recuperation time off work.
 
In his recent decision, Magistrate Stephen Lieschke stated that the hazard could have been eliminated or reduced if there had been a guard over the saw or other operational controls.
 
 
Guard & Controls Have Been Installed Since Injury
 
According to Lieschke, Improved Timber had installed a guard and other controls since the incident and operators are no longer at risk or injury.SafeWork SA Executive Director Bryan Russell reminded employers to carry out hazard and risk assessments on machinery and tasks.
 
“The Industrial Court’s decision reminds all employers of their duty of care to prevent a worker suffering an injury,” stated Bryan Russell, executive director of SafeWork SA.
 
The employer was looking at a maximum penalty of $300,000. The court recorded a conviction and imposed a total penalty of $35,000, with a 20 percent reduction due to Improved Timber’s guilty plea, cooperation with SafeWork SA and statement of responsibility and contrition.
 
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Massachusets Man Caught Double Dipping Workers Compensation Benefits

Trying to cheat the workers compensation system can have dire consequences for those who end up being caught.
 
According to information from the Massachusetts Attorney General, one such individual has found himself on the wrong end of the law.
 
Attleboro resident Dennis Gabriel, 57, was indicted in early April on allegations that he obtained more than $53,000 in workers comp benefits while working. He was charged with workers comp fraud and larceny.
 
 
Construction Site Injury Led to Benefits
 
It all began when Gabriel suffered a work-related injury in August 2005 while employed on a construction site, this according to authorities.
 
According to the information from the AG’s office, in September 2007, the Department of Industrial Accidents ruled that Gabriel was eligible to receive temporary total disability benefits from his employer’s insurance company, AIG/Chartis Insurance Company, from June 2007 through February 2009.
 
In June 2008, AIG reportedly obtained an anonymous tip that Gabriel was working as a subcontractor in Rhode Island while collecting workers comp benefits. Further investigation determined that in July 2008 Gabriel signed employee earnings reports stating that he did not receive any income while allegedly working as a subcontractor, according to the release.
 
 
Fraudulently Collected More Than $53,000 in Work Comp Benefits
 
Authorities allege that Gabriel earned more than $62,000 between April 2007 through November 2008 while working as a subcontractor and collecting workers comp benefits. As a result of his alleged failure to report earnings, Gabriel fraudulently collected more than $53,000 in workers comp benefits, according to authorities.
 
A Bristol County Grand Jury returned indictments against Gabriel, who will be arraigned at a later date.
 
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

Key Considerations When Selecting A Structured Settlement Company

 
Structured Settlement Company Offers In-Depth Knowledge of Process
Partnering with a structured settlement company that offers an in-depth knowledge of the structured settlement process, structured settlement market and claims business is invaluable. Companies with experience and expertise tend to offer various structured settlement alternatives and cost effective solutions. Proposals are designed to address the future financial needs of the injured party and present a win-win scenario for all of the parties involved.
 
Three Key Characteristics to Look For Selecting a Strategic Partner
When evaluating options for structured settlement providers, it is best to approach the process as if you are selecting a strategic business partner.  
Of the several areas of consideration, self-insured employers or insurers should look for structured settlement partners with -
 
1) Experience Structured Settlement Consultants in Jurisdictions
When choosing a structured settlement partner, the self-insured employer or insurer should look for a structured settlement company that has a local presence, jurisdictional knowledge and relationships. Therefore, working with    a structured settlement partner that is national in scope is ideal. 
 
2) Proven Track Record of Success
The structured settlement company selected for a partnership should have a proven track record of success. Experienced structured settlement companies will present viable alternatives, overcome objections, participate in settlement conferences/mediations and ultimately assist in achieving desired outcomes. With experience come relationships – also valuable and conducive to achieving results.
 
3) Respected Resources to Provide Options and Competitive Rates
The structured settlement company you partner with should have business relationships with various top rated life insurance companies capable of providing     an array of structured settlement products and competitive rates.
The structured settlement company you partner with should have the ability to customize structured settlement proposals to address the various needs of the respective parties by offering meaningful options and alternatives. 
 
By incorporating the use of these recommendations, self-insured employers and carriers will be better positioned to achieve success with the utilization of structured settlements. For assistance on identifying the best structured settlement companies to partner with, please contact us.
 
Author Michael B. Stack, CPA, Director of Operations, Amaxx Risk Solutions, Inc. is an expert in employer communication systems and part of the Amaxx team helping companies reduce their workers compensation costs by 20% to 50%. He is a writer, speaker, and website publisher.  www.reduceyourworkerscomp.com.  Contact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

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Learn How to Reduce Workers Comp Costs 20% to 50%"Workers Compensation Management Program: Reduce Costs 20% to 50%"
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