Work Comp Roundup Honored by Top Blog Award

For the fourth year in a row, Work Comp Roundup has been selected as a LexisNexis Top 25 Blog for Workers Compensation and Workplace Issues – 2011, in the Safety and Employer-Related Blogs category.
 
 
LexisNexis Workers Compensation Law Community Announced the top 25 blogs for workers compensation and workplace issues last week.
 
 
LexisNexis wrote, “A standout blog for a number of years, Work Comp Roundup (formerly known as Workers' Comp Kit Blog) is a valuable compendium of cost containment ideas, best practices, techniques and strategies. The blog provides not only vast amounts of pertinent legal information; it contains an excellent mix of practical measures in a format that is accessible by non-lawyers as well. Among the valuable 2011 posts are "Five Signals Your TPA is Doing a Great Job" and "How Product Liability and Workers Compensation Interact."
 
 
LexisNexis also noted owner and CEO of Amaxx Workers Comp Resource Center, parent company to Work Comp Roundup, Rebecca Shafer's "Tribute to Colleagues Sept. 11 – 10th Anniversary" is “one of the most poignant remembrances of the nation's loss on that dark day in 2001. Two of the largest insurance brokers in the world were housed within the World Trade Center. Marsh and AON collectively lost almost 600 employees in the attack. Becki had been employed at various times by both companies. In her Tenth Anniversary 9/11 piece, she mourns the loss of many friends and colleagues, and challenges us all not to forget them.”
 
 
An attorney and risk consultant she said this the fourth year in a row Lexis Nexis has awarded the blog with this great honor.
 
 
"We are pleased with the recognition this brings. Each day we strive to find new information on the vast workers compensation industry and pride ourselves in reaching all kinds of comp topics, be they legal, health-related, financial or many other areas of this industry; we are glad that those seeking information on holding down WC costs think of lowerwc.com first to find answers," Shafer said.
 
 
She continued, "Employers rely on us and we can help them because we have so much experience in the field working with them down in the trenches. We don't just give academic advice; our experience is from the perspective of an in-house counsel, a defense counsel, an in-house risk manager, brokers, and directly from employers. I get weekly calls and emails asking for advice and we are able to guide them because we know what all parties need to know. We are constantly reassessing what we write to make sure it's helpful to those wishing to reduce their costs."
 
 
Selections for the award were made by the LexisNexis Workers Compensation Law Community staff using feedback from community members and Larson’s National Workers Compensation Advisory Board members.
 
 
The Top 25 Blogs contain some of the best writing out there on workers compensation and workplace issues in general. They contain a wealth of information for the workers compensation community with timely news items, practical information, expert analysis, practice tips, frequent postings, and helpful links to other sites. “These blogsites also show us how workplace issues interact with politics and culture. Moreover, they demonstrate how bloggers can impact the world of workers' compensation and workplace issues,” LexisNexis officials said.
 
 
The full announcement and list of honorees is here.
 
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 website 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, Manage Your Workers Compensation: Reduce Costs 20-50% www.WCManual.com. Contact: RShafer@ReduceYourWorkersComp.com.
 

LEARN WORK COMP COST CONTROL:  www.WCManual.com
 
WORK COMP CALCULATOR:  www.LowerWC.com/calculator.php

 
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

Insurance Company Provides Cost Containment Tool Kit to Policyholders

Safety National acquired Workers Comp Kit  from Amaxx Risk Solutions. This unique online resource helps assess the client’s post-injury Workers’ Comp practices and procedures, recommends improvements, and provides materials and expertise to implement changes.
 
 
Safety National policyholders will receive free access to the Workers Comp Kit as part of their relationship with the company. For buyers of insurance, brokers and agents, and other insurance organizations, Safety National has partnered with Advisen to service and support all other parties utilizing this software to help ensure the Workers Comp Kit retains and grows its reputation for reducing workers compensation expenses.
 
 
 
“As the nation’s leading provider of excess workers compensation solutions, we are thrilled to add this tool to the Safety National arsenal as the Workers Comp Kit has clearly become a proven way to lower post-injury cost drivers for our clients,” said David Snodgrass, director – risk control services at Safety National. “Purchasing this program is consistent with Safety National’s philosophy of working in partnership with our policyholders to help lower claim costs.”
 
 
Ed Forer, executive vice president at Advisen, elaborated, “The Workers Comp Kit addresses a need that buyers and brokers repeatedly tell us must be met. We are excited to help risk managers develop a consistent approach to managing post-injury procedures at their various business locations, which ultimately saves them money.”
 
 
Many employers face growing workers compensation expenses and are placing greater reliance on brokers and insurers to help reverse the trend. The Workers Comp Kit enables an employer, broker and insurer to work collaboratively to improve best practices and reduce expenses. This program’s applications combine interactive tools to perform assessments, highlight areas for improvement, make recommendations, create plan implementations and monitor their post-injury performance.
 
 
Learn more about the Workers Comp Kit http://www.safetynational.com/workers_comp_kit.html
 
 
Safety National is a versatile alternative market insurance provider offering a broad range of risk funding products through independent insurance agents and brokers. Founded in 1942, Safety National is the leading provider of Excess Workers Compensation coverage to self-insured employers and groups nationwide and has provided that type of coverage longer than any other company in the U.S. In addition, Safety National offers its Large Casualty Program, which includes Large Deductible Workers’ Compensation, Commercial Auto and General Liability coverage; Public Entity Multi-Line coverage; Treaty Reinsurance; Loss Portfolio Transfers (LPT); Texas non-subscriber coverage (TEXcess); Self-insurance Bonds and other alternative risk programs. The company is licensed to provide workers’ compensation insurance in all 50 states, the District of Columbia and Canada. Safety National is a wholly owned subsidiary of Delphi Financial Group Inc. (NYSE: DFG) and is rated “A” (Excellent), Financial Size Category XI, by A.M. Best. www.safetynational.com
 
 
Advisen’s data, analytics and news offerings are game-changers for 100,000 commercial P&C professionals. Advisen integrates business information and market data for the commercial insurance industry and maintains critical risk analytics and time-saving workflow tools for over 530 industry leading firms. Advisen delivers actionable information and risk models for Underwriters, Reinsurers, Brokers and Risk Managers at a fraction of the cost to have them built internally. Designed and evolved by risk and insurance experts, Advisen combines the industry’s deepest data sets with proprietary analytics and offers insight into underwriting, marketing, broking and purchasing commercial insurance that is not available on any other system. www.advisen.com
 

Our Workers Compensation Book:  http://www.wcmanual.com

WORK COMP CALCULATOR: http://www
.LowerWC.com/calculator.php
 
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.

Workers Comp Tool Kit Founder Noted for Contribution in Helping Employers Lower Workers Comp Costs

The editorial staff at Amaxx Risk Solutions, Inc., the home of LowerWC.com and Workers Comp Kit was surprised yesterday morning (March 19, 2011) by a Hartford Courant article citing our president, Rebecca Shafer, J.D., as “The Go-To Guru On Workers Comp.”
 
 
When I asked Becki how she “forgot” to mention this to us she said, as always, “You know, I prefer to call attention to our resource center and not myself personally.”
 
 
The Courant’s Q&A covered Becki’s professional experience and prominent clients she has worked with over the years noting the patented development of our web-based workers comp cost containment system, saying:
 
 
“She has patented an automated Web-based cost-containment system, Workers Comp Kit, which includes a best-practice assessment and scoring system, and the ability to calculate benchmarks instantly using various data.”
 
The article resulted from her selection as a Lexis Nexis Notable Person and her work on Lexis Nexis Workers Compensation Law Community Executive Committee with Attorneys Lex Larson, Tom Robinson, Robin Kobyashi, Stuart Colburn and Brad Bleakney.
 
 
To read the complete article click on: Courant.com.

 
 
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.

Workers Comp Resource and Cost Cutting Areas

Workers Comp: Ripe For Cost-Cutting – Two Places To Check

 

Despite devotion to corporate cost cutting, there is one expense that still gets very little attention: workers compensation.

 

And the cost is very high.

 

According to the 2010 RIMS Benchmark Survey, the average Cost Per Full-time Equivalent Employee for all industries combined is $701 Cost Per FTE for workers compensation. The Cost Per Employee is normally lower for companies with greater than 1 Billion in revenue and higher for companies with less than 1Billion in revenue. The 2010 RIMS Benchmark Survey contains tons of useful information. It’s definitely an excellent resource — either online or in print and companies that contribute their data get a huge discount, so that’s something to consider. The 2011 RIMS Benchmark Survey should be published soon. I get the print version, and keep it handy, on my desk, from the past 8 years.

 

Both the 2009 and 2010 RIMS Benchmark Surveys contain workers compensation best practices, indicating which best practices employers have implemented. This is excellent information to compare your company’s performance and build management committment for programs such as transtitional duty, employee communication, cost allocation, post injury response procedures and many more operational best practices. It’s well worth spending some time reviewing this information to see what your company can do better. For example, the RTW Ratio is closely tied to the mod and how much a company pays for their workers compensation, a fact that we have been waiting years to learn.

 

Many signs point to larger workers compensation tabs in the future. A good cost reduction goal for companies is half national average or half industry average.

 

As with other outlays, employers can trim with some thought and effort.

 

Costs need not be this high. Insurers, unions, workers, lawyers and doctors are all contributing to the current waste and the employers who finance workers compensation must bear much of the fault, too.

 

Why is this?

 

Employers are unwittingly encouraging employees to remain on workers compensation much longer than necessary.

 

When executives at a large publishing company were pondering their burgeoning workers compensation costs last year for example, they found a fairly convincing explanation.

 

Their employees who were getting such compensation were effectively receiving 10% of their salaries.

 

This company is not alone.

 

Here are some of the main reasons why workers compensation is often needlessly expensive:

 

Double Dipping

Like many other employers, a national construction company had a group disability insurance policy. Thus, one employee was receiving workers compensation following back surgery and, after 26 weeks, began receiving disability payments too.

 

Combined with some personal insurance policies, this double income meant the worker’s at-home pay exceeded his at-work pay. Naturally, in 1993, when the company offered him a job with light duties but at his full salary during his recuperation, he turned it down

 

The lesson: Eliminate double dipping. While workers personal insurance is their own, employers should deduct workers compensation from other duplicative company payments. To do otherwise encourages malingering.

 

Idle Income

In Massachusetts and a few other states, employees on workers compensation can qualify for unemployment benefits under certain circumstances.(WCxKit)

 

To prevent this outrageous form of double dipping, companies should offer all injured workers transitional jobs they can perform even with their physical restrictions. Under the eligibility rules, workers who refuse such offers will not be deemed unemployed.

 

Double Dipping and Idle Income are two ways your out-of-work employees may be milking the system. Find out more #WorkersComp.

Author Rebecca Shafer, JD, President of Amaxx Risks Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker and website 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.  See www.LowerWC.com for more information. Contact:  RShafer@ReduceYourWorkersComp.com.
 

WC IQ TEST:  http://www.workerscompkit.com/intro/

WORK COMP CALCULATOR:   http://www.LowerWC.com/calculator.php

MODIFIED DUTY CALCULATOR:   http://www.LowerWC.com/transitional-duty-cost-calculator.php

 

WC GROUP:  http://www.linkedin.com/groups?homeNewMember=&gid=1922050/
SUBSCRIBE: 
Workers Comp Resource Center Newsletter

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.


©2010 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact 
Info@ReduceYourWorkersComp.com

 

RIMS Names Workers Comp Kit Blog in Their 10 Best Industry Blogs

We at Workers Comp Kit Blog are honored to be named on RIMS 10 Best Industry Blogs in RiskWire on February 25, 2011.
 
 
In the same issue our blog 10 Medical Cost Containment Strategies to Reduce Overall Costs was highlighted.
 
 
Rebecca Shafer, the founding force behind LowerWC.com where the blog appears, said it is always gratifying to be recognized by one’s peers especially as our contributors and staff spend a great deal of time writing our content to be sure it reaches the high standards of presentation and quality I’ve set for them. As a result we are considered the best in the industry, chosen #1by RIMS and Lexis Nexis.
 
 
Thank you to everyone who has contributed to the success of LowerWC.com and the Workers Comp Kit blog.
 
 
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com

The Best Kept Secret – Using Settlement Authority to Reduce Workers Compensation Costs

In-house counsel are often frustrated when claims they are working on are settled without their consent. Here’s why …. most companies do not spend time negotating their account instructions. Most don’t know what the account instructions are. They are a well-kept secret.


Prior to settlement 
of claims, the carrier should contact the company for settlement authority on all claims over a certain threshold of, for example, $5,000 or $10,000.(WCxKit)

 

The company should be “consulted” before any lump sum settlement is offered. The more input the company wants, the lower the settlement threshold should be. For example, if a company wants to be actively involved in decision-making they can state “the company retains settlement authority for all workers compensation claims over $5,000 and all products liability claims over $1.”

 

There is a world of difference between an insurer having to “consult” its insured and having to obtain its “consent” prior to settling a claim. You want the former. If the insurer agrees to “consult” its client prior to settlement, the client may not have the power to alter the course of the claim.

 

A very rude awakening is in store for the company with a $500,000 deductible when a claim is settled against the wishes of the litigation manager, particularly when the settlement amount is within the client’s retention level.

 

In one large auto case, a plaintiff who had been a meat cutter for 20 years alleged his carpel tunnel syndrome was from the impact of the auto accident. It’s possible, but perhaps there is another cause – meatcutting. In-house counsel will surely look into this, but if the insurer has full authority they can settle the claim without your consent.

 

The defendant company’s in-house attorney hired a medical expert to review medical causality. Yet, even though it knew of the company’s involvement and interest in the case, the insurer settled the case without the consent of its insured client. That was a rude awakening for counsel.This occurred because the company had previously given the insurance carrier $100,000 of “field authority” even though the company had a $250,000 deductible on auto claims and the settlement was, essentially, all the companys money.

 

From a company’s perspective, a settlement decision can impact well beyond bottom-line considerations. Injudicious settlements can affect a company’s labor policy, its workers compensation practices, the reputation of its products and its susceptibility to future claims. For instance, an insurers denial of a legitimate workers compensation claim can adversely affect the labor climate.

 

Managing claims and litigation is nearly impossible without complete and explicit account servicing instructions (ASI).  Also known as account instructions, claim service instructions or account handling instructions, ASI represent the agreement or understanding between the insured and the field adjusters at the insurer’s branch offices that guides the handling of all suits and claims, both litigated and non-litigated. These instructions should be disseminated to all your branch offices across the country.

 

The ASI includes information about how claims are to be handled in every line of insurance including workers compensation, products liability and automobile insurance. (Third-party administrators who provide claims servicing without insurance also use ASI to guide their adjusters.)

 

After ASI are negotiated, the insured must familiarize all internal claims handling personnel with the provisions of the ASI and provide them with a written copy to ensure they understand the responsibilities for key areas of claims handling. In addition to containing policyholder information and details about coverage and dissemination of data (loss runs), ASI can also contain other lesser-known guidelines.

 

For example, the referral of medical reports to a physician consultant for preparation of a letter to set up an independent medical examination (IME), or a requirement saying subrogation can be waived only upon receipt of a written evaluation and agreement by the company. In implementing an aggressive claims and litigation management program, a company is, in effect, “taking control” of its claims, exerting more authority in the handling of claims and becoming much more involved in their claims management.

 

When a company chooses to become more involved in “managing” as distinguished from “monitoring,” the roles and responsibilities of all parties, including the company and the insurance carriers, must be clearly delineated to avoid overlaps as well as gaps. In as much as in-house counsel frequently manages litigation and claims, while the risk manager establishes the ASI, the two departments discuss in advance, what to include in the ASI.

 

In-house counsel makes a list of all claims handling problems, then reviews and discusses it with the risk managers for solutions to be incorporated into the ASI.

 

While a company can actively negotiate for items it believes to be of sufficient importance, the carrier’s approach will normally run counter to the company’s approach. The carrier may seek to define as few issues as possible in writing; sometimes reassuring the company certain key items will be done as a matter of course (i.e., as “standard operating practice”).

 

The company needs to be aware of this, realizing it is prudent to put as much as possible in writing to avoid future problems and misunderstandings. It is not uncommon for a litigation manager to encounter problems that would not have occurred if “it had been in writing.” For example, a company may be “assured” it can select the local counsel of its choice. This verbal assurance from the carrier may work adequately until those who made these agreements move to other employers or are no longer involved with the account.

 

In general, the more risk a company has retained, the more control the insurer will relinquish. In a guaranteed cost program, for example, the insurer will relinquish almost no control because the exposure and expense are borne by the insurer. In a loss sensitive program, the insurer will negotiate to give a company more control.(WCxKit)  In a loss-sensitive program with a very large deductible (e.g., $500,000) most companies can negotiate for a very high level of control close to what they would have if they were self-insured.

 

 

Author Rebecca Shafer, JD, President of Amaxx Risks Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker and website 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.  See www.LowerWC.com for more information. Contact:  RShafer@ReduceYourWorkersComp.com or 860-553-6604.

 

WC IQ TEST:  http://www.workerscompkit.com/intro/

WORK COMP CALCULATOR:   http://www.LowerWC.com/calculator.php

MODIFIED DUTY CALCULATOR:   http://www.LowerWC.com/transitional-duty-cost-calculator.php

 

WC GROUP:  http://www.linkedin.com/groups?homeNewMember=&gid=1922050/
SUBSCRIBE: 
Workers Comp Resource Center Newsletter

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.


©2010 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact 
Info@ReduceYourWorkersComp.com.

 

10 Elements to Design, Implement and Control Workers Compensation Costs

Due to the unique and complex nature of the workers compensation system, only a holistic approach – one considering all elements within context – can succeed in reducing an employer’s workers comp costs.

 
1. Work Together
Employers, insurers and brokers working together have strong incentives to attack the costs of workers compensation.(WCxKit)
 
Human resources, industrial relations, workers compensation, employee benefits and other internal departments should be on the same page. Having a workers compensation director can help coordinate these departments and keep your costs low.
 
2. Educate your Employees
An effective program begins with education. Those working on WC management need to understand the program. Further, your employees need to understand how to file workers compensation should the need arise.
 
Wallet cards explaining how to respond after an injury can help workers follow a direct timeline leaving nothing out. This makes a sooth injury report and allows your employee to get the best benefits for themselves, without loosing time or money to the employer.
 
3. Conduct a Needs Assessment
First, a needs assessment must be conducted to determine what knowledge gaps exist. The risk manager must gain the support of senior management, employees and physicians to implement a holistic program.
 
If there is resistance from senior management it’s important to find out why the costs are high.
 
4. Score Yourself
Getting your National Workers Compensation Score™ is an excellent starting point. Much like a credit score, the employer knows how many best practices they have implemented.
 
Employers Benefit From the Holistic Approach By:
Seeing major improvements in workers compensation costs.
 
Taking control of the entire workers compensation process, potentially cutting costs by 20% to 50%.
 
Providing aggressive and comprehensive pre-loss and post-loss management initiatives affecting all areas of workers compensation.
 
Pre-loss: Includes safety programs and extensive communication with senior management, supervisors and rank-and-file employees.
 
Post-loss: Centers on internal procedures to better manage claims, provide appropriate medical treatment and run an effective return-to-work program.
 
Ten Blueprint Elements:  Include these ten elements in your program!
1. Examine the organizational structure. Look for areas encouraging employee disincentives to return to work. Form a corporate workers compensation team under one director.
 
2. Produce simple usable data to effectively monitor the post-injury response and judge its success.
 
3. Communication is vital between the employer, employees, the insurance company and the physician. Show how cost cutting benefits the workers. Use simple, well-designed written, audio and visual tools to convey the companys message.
 
4. Employment interviewing focuses on selecting employees with behaviors consistent with injury prevention and return-to-work success. Consider pre-employment placement screening.
 
5. Return-to-Work program’s goal is zero lost workdays returning all employees to work regardless of their status, tailored to meet the needs of each employee.
 
6. Coordinate the companys workers compensation program, the Americans with Disabilities Act and the Family and Medical Leave Act. Despite the challenges do not allow these laws to become a return-to-work barrier.
 
7. Transitional Duty Jobs require a team effort on the part of the employer, insurance carrier, claims administrator and broker. Be aware of the three types of transitional duty programs.
 
8. Modified Duty:The employee returns to the original job with job modifications designed to allow easier performance of the required tasks. The employee returns to the original job with reduced hours and follows prescribed exercises and strengthening routines.
 
9. Alternate Duty: The employee returns to a different job, one physically less demanding than the previous job. The employer must be creative in job placement. (WCxKit)
 
10. The Goal: Ideally 95% of employees return to work within four days. Best practice is 95% of employees never leave the workplace, receiving treatment on- or off-site and returning to a transitional duty job as soon as they are medically able to do so.
 
Ten elements of your workers compensation blueprint and why you need them #WorkersComp.
 

Author Rebecca Shafer, JD, President of Amaxx Risks Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker and website 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.  See www.LowerWC.com for more information. Contact:  RShafer@ReduceYourWorkersComp.com or 860-553-6604.

WORK COMP CALCULATOR:   http://www.LowerWC.com/calculator.php
 
WC GROUP:  http://www.linkedin.com/groups?homeNewMember=&gid=1922050/
SUBSCRIBE: 
Workers Comp Resource Center Newsletter

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.

©2010 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact
Info@ReduceYourWorkersComp.com.

Anatomy of an Employer Dispute with Their Third-Party Administrator

Success Story:  A large transportation company thought their claims were not handled aggressively enough and poorly performing adjusters were driving workers up comp costs. The dissatisfaction had grown to such proportions that they put the business out to bid. They did, in fact, change TPAs.

 


Resolution: 
 One MD and one senior claim analyst reviewed 20 claims in each of three offices (TX, CA and MA) and found there was a problem with the MA office. The adjuster handling their claims in that office was inexperienced and disorganized. There were administrative quality issues such as lack of supervisor oversight, insufficient investigation, untimely 3-point contact, no recorded statements being taken, and claimants were being overpaid because the “average weekly wage” was miscalculated. IME’s were overused and medical causality was not established prior to claim payment. Pre-existing conditions were not recognized by the adjusters or nurses resulting in higher than necessary reserves. Nurse case management was being brought in too late to be effective. The client, however, thought the NCM was “too expensive” but the problem was really that it needed to be brought in earlier.

 


We set up
 new triggers so when an employee does not return to work within 2 days a nurse case manager is immediately assigned. The TPA enhanced their training program to ensure nurses were reviewing files for pre-existing conditions and completeness of medical records. The employer retained a part-time medical director to review claims if an employee had not returned to work within two weeks. IME’s were not requested until the medical director reviewed the file, insured complete medical records were obtained and crafted a custom letter requesting specific medical information.

 


The employer
 had insufficient staff to monitor or manage the TPA; there were 3,000 claims annually at over 500 locations with only one person, who was not an actual risk manager, assigned to workers compensation. We suggested the company hire a risk manager and select eleven people (one for each region) to serve as WC Managers (WCM) which was quickly done. Onsite training was done for the new WCMs. The TPA participated in the training to meet the WCMs then did a “national rollout” providing new “panel cards” so employees could select network physicians. The TPA met with each location to open communication channels.

 


We met with
 the client, TPA and broker on weekly conference calls for the next 52 weeks until all suggestions had been implemented. To keep team members accountable, we sent an “Implementation Action Plan” to each participant following the conference call.

 


Result:
 Losses down 25% for past 3 years and continuing.
Author Rebecca Shafer
, JD, President of Amaxx Risks Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker and website 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. Contact:  RShafer@ReduceYourWorkersComp.com
WORK COMP CALCULATOR:   http://www.LowerWC.com/calculator.php

 

MODIFIED DUTY CALCULATOR:   http://www.LowerWC.com/transitional-duty-cost-calculator.php

 

WC GROUP:  http://www.linkedin.com/groups?homeNewMember=&gid=1922050/
SUBSCRIBE: 
Workers Comp Resource Center Newsletter

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.

 

©2010 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com

 

Workers Comp Kit Blog Receives Top Health Insurance Blog Award

Workers Comp Kit Blog is very proud to be awarded a listing in the "Top 50 Health Insurance Blogs," in the category of “By and For Health Insurance Industry Blogs by The Health Express.

 

The Health Express provides health and medical information covering fitness, nutrition and medical knowledge attractions on their website, and has selected top blogs contributing to that knowledge. Our MD's contribute important information about health and wellness.

Alba Collazo
, The Health Express co-founder said of WCK when announcing our award, “I found Workers' Comp Kit Blog to be very interesting and relevant.”

We thank our
many fine writers, contributors, editors and staff – we cannot achieve what we have without them.
Our management and staff offer sincere appreciation and thanks for this honor and are encouraged to continue providing employers with tools to contain their workers compensation costs.
JOIN LINKED ROUNDTABLE:  http://www.linkedin.com/groups?homeNewMember=&gid=1922050/
SUBSCRIBE NEWSLETTER: 
Workers Comp Resource Center Newsletter

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
 

©2010 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.

Lexis Nexis Honors Workers Comp Kit Blog for Third Year

   Our blog, Workers Comp Kit, is honored for the third year as a top 25 blog selection for workers compensation and workplace issues by Larson's National Workers Compensation Advisory Board.
In making the selections for this year LexisNexis said: 
These top blog sites contain some of the best writing out there on workers compensation and workplace issues. They contain a wealth of information for the workers compensation community with timely news items, practical information, expert analysis, practice tips, frequent postings, and helpful links to other sites.
These blog sites also show us how workplace issues interact with politics and culture. Moreover, they demonstrate how bloggers can impact the world of workers' compensation and workplace issues.
What LexisNexis Said About Us
Particularly in these tough economic times, employers are searching for responsible methods of reducing their workers compensation exposure. Workers Comp Kit Blog, whose special emphasis is cost containment, has helped meet this need for some years now. In addition to being a veritable fountainhead of succinct and pertinent legal and practical information, it serves also as a forum for employers to discuss workers compensation cost containment techniques and strategies. Of particular note during 2010 was the Blog's treatment of return-to-work issues and its discussion regarding the danger (and expense) of having "average" cost containment systems and mechanisms. As noted by the Blog, the Titanic had an "average" number of lifeboats.
Amaxx Risk Solutions, Inc. is honored to be in such prestigious company and are motivated by peer recognition to continue to provide timely and pertinent cost-containment information to employers who want to reduce their costs of workers compensation. Thank you Lexis Nexis.

We thank our many fine writers, contributors, editors and staff — we cannot achieve what we do without them.  For more information visit to see the other award-winners Top Blogs,Workers' Compensation Law Top Blogs 

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WC IQ TEST:  http://www.workerscompkit.com/intro/

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