The RED FLAGS of Workers Comp Fraud

workers compensation red flags of fraudA critical part of controlling workers’ compensation costs is to put into place solid investigation techniques.  No matter how severe or minor a workplace injury, each case needs to be reviewed to identify any fraudulent claims and take appropriate action.

 

When communicating with employees, make it clear that the company will:

 

 

  • Identify corrective measures

 

  • Watch for minor extensions of days out of work and outright fraudulent claims.

 

 

Review these Red Flags of Fraud and request an investigation if you suspect a claim is illegitimate or exaggerated.
 

 

Injured Worker Red Flags:

 

  • Injury reported late, to an attorney or to the state commission before reporting it to the employer.

 

  • Fails to attend weekly meetings.

 

 

  • Is never home when you phone, especially during regular workday hours.

 

  • Has only a postal box rather than a home address.

 

  • Misses doctor appointments.

 

  • Is known to perform seasonal activities, hobbies, or work.

 

  • Has moved out of town or out of state.

 

  • Disputes average weekly wage due to additional income.

 

  • Files for benefits in a state other than the main location.

 

  • Disputes information supplied by the employer on “First Report of Injury” notice.

 

  • Refuses to cooperate in claim investigation.

 

  • Has an unstable work history.

 

  • Has recently been terminated, demoted, or passed over for promotion.

 

  • Has a prior history of injury management or liability claims.

 

  • Makes excessive demands or is pressing for a quick settlement.

 

  • Carries little or no health insurance.

 

 

Medical Flags:

 

  • Medical reports are repetitive, indicating continuing, constant pain with conservative medical treatment

 

  • The word “disproportionate” is used in medical reports

 

  • The doctor mentions there is “facial grimacing”

 

  • Positive “Waddell Tests” (test for low back pain) are mentioned

 

 

Workplace Flags:

 

  • Employer experiencing labor difficulties (i.e., layoffs, strikes, walkouts).

 

  • Tips from fellow workers, friends, or relatives.

 

  • The insurance company wants to settle the claim for a considerable amount of money.

 

 

“Things” just don’t ADD UP! Trust your gut, and if something seems off, be sure to check it out.

 

 

Michael Stack - AmaxxAuthor Michael Stack, CEO Amaxx LLC. He is an expert in workers’ compensation cost containment systems and helps employers reduce their workers’ comp costs by 20% to 50%.  He works as a consultant to large and mid-market clients, is a co-author of Your Ultimate Guide To Mastering Workers Comp Costs, a comprehensive step-by-step manual of cost containment strategies based on hands-on field experience, and is the founder & lead trainer of Amaxx Workers’ Comp Training Center.

 

Contact: mstack@reduceyourworkerscomp.com.

Workers’ Comp Roundup Blog: http://blog.reduceyourworkerscomp.com/

 

©2019 Amaxx LLC. All rights reserved under International Copyright Law.

 

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker, attorney, or qualified professional.

Former Illinois Police Officer Indicted on Workers Comp Fraud Charges

 

Received Workers Compensation for Injuries Allegedly at Work
 
A Madison County, Illinois grand jury has indicted a former Maryville police officer on charges relating to a fraudulent workers compensation claim.
 
According to information through the State's Attorney's General office, Richard A. Turner, 43, is facing a number of charges involving a claim he made while working for the Maryville Police Department in 2009.
 
Turner is reported to have claimed in February 2009 that he suffered a back injury while at work. As a result, Turner received employment compensation from the village of Maryville. Also, the insurance provider for the village also paid for all medical expenses tied to the treatment of his injury as well as employment compensation while Turner was off work for his disability.
 
 
Investigation Revealed Injury Outside of Police Force
 
Investigators within the Maryville Police Department conducted an investigation once they came across questionable circumstances. It was determined that while Turner had indeed suffered an injury, it did not occur during his capacity as a police officer.
 
In cooperation with the Madison County State’s Attorney’s Office, the results of the investigation were presented recently to a grand jury. Turner was charged with two counts of theft (Class 1 and 2 felony). The Class 2 theft charge accuses Turner of defrauding the village of more than $38,000 while the Class 1 theft charge accuses him of defrauding their carrier, the Illinois Municipal League Risk Management Association, of more than $150,000.
 
Turner, who has since resigned from the force, is also looking at a pair of counts of unlawful violation of workers comp act (Class 4 Felony) for both filing a fraudulent workers comp claim and then lying to his physician about the nature of his injuries.
 
 
Could Face Jail Time
 
Bond was set at $10,000 for Turner by Circuit Judge Rich Tognarelli. Maximum penalty for a Class 1 Felony is four to 15 years in prison; three to seven years in prison for a Class 2 and one to three years in prison for a Class 4 felony.
 
 
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.comContact: mstack@reduceyourworkerscomp.com.
 
©2013 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law.

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

Oklahoma Women Could Not Handle The Truth, Busted For Work Comp Fraud

Filed False Workers Comp Claim

Oklahoma Attorney General Scott Pruitt’s Workers Compensation Fraud Unit has filed a charge against a Woodward woman for allegedly filing a false workers compensation claim.

According to the charge filed in Oklahoma County District Court, Edith J. Wilcoxson, 59, submitted a claim in December 2007 alleging she injured her lower back, hips, right leg and right foot in May 2006, while working as a medic for Woodward County Emergency Medical Services. She filed a supplemental form in 2008 to add her neck as an injury.

 

Testified Under Oath to Validity of Injuries

Wilcoxson testified under oath at a workers comp hearing less than a year later that she never had received any previous injuries to her neck, and said she never had been told by a doctor she had problems with her neck, according to a news release from the Attorney General’s Office. She also testified in September 2008 she never had injured her neck in a motor vehicle accident.

 

Investigation Showed Pre-Existing Conditions

An investigation by the AG’s Office a number of medical reports showing Wilcoxson had been notified by doctors of degenerative disc disease and a bulging disc in her spine prior to 2006.

In May 1999, Wilcoxson was involved in a motor vehicle accident while working with Woodward Police Department and was admitted to Woodward Hospital, according to the Attorney General’s Office. Workers comp paperwork filed by Wilcoxson following the accident listed her head, neck and left shoulder as injuries sustained from the accident. She subsequently visited a number of doctors who confirmed neck injuries, but denied a recommendation for neck surgery in 1999.

Wilcoxson also testified in a February 2001 workers comp hearing she had sustained an injury to her neck as a result of the motor vehicle accident.

 

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

 

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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.

 

©2012 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact us at: Info@ReduceYourWorkersComp.com.

 

Workers Comp Insurance Fraud is Costing Billions

The cost of insurance fraud including workers compensation, automobile, and home owners insurance is estimated at 80 billion dollars a year.  That is enough money to pay the salaries of every CEO of America’s 500 largest companies for the next 16 years!

 
Insurance fraud is often broken down into two types, intentional fraud and exaggeration fraud. Intentional fraud, also known as hard fraud, is where a person makes a deliberate attempt to fake an insurance claim for the purpose of defrauding the insurance company.  For example,  a hotel maid is in debt and decides to fake a back injury accident without any witnesses in a hotel room to receive a workers compensation settlement.
 
Exaggeration fraud, also known as soft fraud, occurs when there is a legitimate insurance claim, but the claimant decides to increase the size of the claim.  For example,  a construction worker falls off a scaffold and injuries his knee.  The worker decides since he is going to be off work anyway to tell the doctor and adjuster he also injured his back.  The worker has had back problems for years, but now has a chance to get it taken care of and paid for by the insurance company.
 
The people who commit workers compensation fraud often think they are just taking money from the “big insurance company”.  They do not realize that the insurance company money is collected in the form of insurance premiums from the employers.  For the insurance company to stay in business, the cost of insurance fraud is passed from the insurance company to the employers.  The more employers have to pay for workers comp premiums, the higher the cost of the product or service the employer produces.  The higher premiums force employers to reduce the number of jobs available and reduce the other benefits they provide to the employees.
 
Dishonest employees are not the only ones committing workers compensation insurance fraud.  Employers who underreport the size of their payroll or the number of employees for the purpose of lowering their workers comp premiums are committing fraud.  Employers who misclassify workers (for example high-rise window washers who are classified as janitors) are also committing fraud.
 
Workers compensation fraud is also committed by organized rings of lawyers, doctors, chiropractors, physical therapists and other medical providers.  The workers compensation claims they are involved in can be either intentional fraud or exaggeration fraud.  The medical treatment is either not provided or is inflated to increase the insurance billing.  The amount of permanent partial disability from the injury is overstated for the sole purpose of defrauding the insurance company.
 
Recently in the insurance news there have been a lot of articles about the run-away cost in workers compensation of prescriptions drugs and narcotics in particular.   Prescription fraud is a part of the problem.  Employees fake injury claims, and have frequent visits to the doctor, (especially to pain management clinics) not only for the purpose of collecting the indemnity benefits, but also to obtain prescriptions for OxyContin, Vicodin and other narcotics they can sell on the black market.  The diversion of narcotics, both for street resale and for recreational use is one of the fastest growing areas of insurance fraud.
 
Employers should be ever vigilant against the possibility of workers compensation claim fraud.  The most common indicators of fraud include (WCxKit)
 
  • Several prior claims
  • Accidents without witnesses
  • Accidents where the only witness is a friend
  • Witness(es) heard but did not see the accident
  • Poor attendance record prior to the injury
  • Disciplinary action prior to the injury
  • Problems with co-workers
  • Performing a task that is normally not a part of the job
  • In a work area that the employee does not work at
  • Upcoming layoff
  • Recent termination
  • Missed promotion or transfer
  • Passed over for a pay raise
  • Monday morning accident
  • New employee
  • Resist light duty work
  • Complaints of injury out of proportion to actual injury
  • Nature and/or extent of injury is increased after it is originally reported
  • It should be noted that none of these indicators is proof of fraud.  However, with any of these indicators it is prudent to investigate the workers comp claim thoroughly.
     
There are steps the employer can take to reduce the cost of workers compensation fraud.  The employer who has a strong safety program reduces the scenarios an employee can use to create a fraudulent workers comp claim.  A strong and well known return to work program with a transition duty job for every injured employee reduces the financial incentive for workers comp fraud.  Any suspected fraudulent claim should be discussed with the claims adjuster and special investigative unit.  Any case of proven fraud should be prosecuted to the maximum to prevent copycat claims. 
 
 
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.
 
 
WORKERS COMP MANAGEMENT GUIDEBOOK:  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, contactInfo@ReduceYourWorkersComp.com.

7 Steps to Reduce Workers Comp Fraud

When an employee commits workers compensation insurance fraud, they are stealing direct from the employer.  While the insurance carrier or the self-insurance program may write the check, the cost of workers comp fraud comes right out of the employer’s pocket.  The fraudulent workers comp claim is included in the calculation of the insurance premium, the same as legitimate workers comp injuries.

 
Per the Coalition against Insurance Fraud, bogus claims cost employers $6 billion a year.  It is estimated that nearly 25% of the workers comp claims contain some element of fraud, whether it is the outright bogus claim or the employee who stays off work when he knows he could be working light duty. [WCx]
 
 
The employer should know the indicators of fraud, often referred to as the red flags.  Something unusual about the claim does not indicate fraud, but unusual things can point to the possibility of fraud.  When any of the following exist, consider a fraud investigation:
 
 
  • Late reporting of the injury:  real injuries get reported quickly.

 

  • Accident details that do not fit: the accident details are sketchy or vague, the employee has difficulty describing what happened, and the employee gives more than one version of what happened.

 

  • Witnesses:  there are no witnesses, especially when the employee normally works around other employees, or the witnesses’ version differs from the employee’s version of the accident.

 

  • Disgruntled employee:  the employee has previous express dissatisfaction with supervision or management, the employee did not get a promotion she wanted, the employee is on "positive improvement needed" status, the union has announced an impending strike; the factory is closing, etc.

 

  • Medical care: the injuries are subjective, i.e., low back pain, complaints of pain out of proportion to diagnostic findings, the employee changes doctors, the employee attempts to add additional body parts to the medical treatment.

 

  • Monday morning claims: the injury, usually with no witnesses, occurs early Monday morning shortly after the employee gets to work (the injury occurred over the weekend while the employee was away from work). [WCx]

 

 Unfortunately, when it comes to workers comp fraud, some employers take the defeated approach with “there is nothing we can do about it” line of thinking.  There are many approaches the employer can follow to reduce and/or eliminate fraud including:

 
 

1.  Having an established practice of investigating every workers comp claim.   If the employees know it will not be easy to commit fraud, they are less likely to try it. 

2.  A required transitional duty program that all employees know about will prevent the employee who wants to “take a vacation on comp” or to work another job while collecting workers comp benefits.

3.  Make sure all employees are aware that workers comp fraud is a crime and you strongly prosecute insurance fraud.

4.  Make fraud beneficial to the employee who reports it.  Have a published policy of paying a reward to the employee who provides information leading to the conviction of the criminal committing the fraud.

5.  Report ALL questionable claims to the Special Investigative Unit of the insurer or third party administrator.

6.  Have a strong safety program which will remove many of the scenarios the fraud prone employee can use to create a bogus claim.

7.  Avoid hiring people of questionable ethics.  Complete a thorough background check including criminal history and credit score (the lower the credit score, the higher the probability of a questionable workers comp claim).  If you do not have the time to do an in-depth background check, consider a member of the National Association of Professional Background Screeners, www.napbs.com.

 

 
Fraud should never be tolerated and should be fought any time it occurs.  As the employer, you should learn as much as possible about defeating workers comp insurance fraud.  Our 2012 Manage Your Workers Compensation: Reduce Costs 20% to 50% has an entire chapter on Fighting Fraud and Abuse.  It will show you many additional steps you can take as the employer to combat workers compensation fraud.
 

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% to 50% www.WCManual.com. Contact: RShafer@ReduceYourWorkersComp.com.
 

Our WORKERS COMP BOOK:  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.
 
© 2012 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

California Insurance Fraudster Gets 3 Years for Failure to Pay Restitution

A judge sentenced a Rancho Palos Verdes, Calif., woman to three years in state prison for refusing to pay $75,000 in restitution on a 2007 insurance fraud and grand theft conviction stemming from a phony accident claim.
 
 
According to the Los Angeles County District Attorney’s office, Sheila Burke was remanded to prison by Superior Court Judge Judith Champagne after roughly 20 probation violation hearings dating back to Aug. 26, 2007, when she was sentenced to one year in county jail and 5 years of probation and ordered to pay restitution to APM Terminals.(WCxKit)
 
 
But Burke refused to comply with the restitution order, despite owning several properties and still being employed. A Rancho Palos Verdes property she owns was valued at $218,000, according to Deputy District Attorney Anthony Colannino who prosecuted the case.
 
 
At a recent hearing, Judge Champagne provided Burke with a final opportunity to show progress toward paying the restitution, said Colannino of the District Attorney’s Healthcare Fraud Division.
 
 
But during another hearing, Judge Champagne found Burke had refused to make any meaningful attempt to pay restitution and did not comply with orders to produce documentation about her assets.
 
 
In 2007, a jury found Burke guilty on two counts of insurance fraud and one count of grand theft stemming from insurance claims she filed. Burke claimed that in November 2006, while a long shore worker, she was injured in a collision involving her pickup truck and a tractor-trailer.(WCxKit)
 
 
Since her conviction the only meaningful income obtained toward paying the restitution was roughly $17,000 in California income tax refunds that were impounded by the state.
 
 
Author Robert Elliott, executive vice president, Amaxx Risk Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.


Our WORK COMP Book: www.WCMANUAL.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.

Underreporting Payroll Leads to Workers Comp Fraud Charges

A Memphis businessman was recently indicted on criminal fraud charges of underreporting his payroll for his labor subcontracting companies to deprive insurance companies of more than $1 million in workers compensation premiums.

The individual reportedly had a suitcase packed and was preparing to leave town when authorities took him into custody. (WCxKit)

The man is the owner of Xpress Services, Express Services, Labor Fast, Fast Track Systems and CSI Services, Inc. The companies provide workers for a variety of construction jobs, mostly for drywall work.

Authorities report the man had some 110 employees, but only claiming having half that many and paid no workers comp on the others. The alleged offenses occurred between January 2006 and July of this year. (WCxKit)

 He was indicted on four state counts of workers comp fraud over $60,000, felonies that carry up to 12 years behind bars on each count.

 
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. Contact:  Info@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: 
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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.

Free Podcast – How To Prevent Workers Compensation Fraud

Preventing Fraudulent Workers’ Compensation Claims

As the economy weakens, companies face a greater risk in fraud and abuse impacting workers’ compensation, general liability and product liability insurance premiums over time.  In turn, a rise is seen in:
1. Reporting fraudulent injuries
2. Reporting an aggravation of an existing claim
3. Reporting occupational health illness
4. Reporting workplace violence
5. Theft of company property
6. Product tampering

Employers must become pro-active by implementing and managing defensive strategies to reduce and/or eliminate fraudulent behavior. 

A FREE podcast  53 minutes. Downloadble directly to Media Player or MP3> Click here: DOWNLOAD NOW: http://www.workerscompkit.com/gallagher/mp3/  
1. Bottom Line Approach to Fraud
2. Reducing Workers’ Comp., General Liability, and Product
3. Liability Claims Costs
4. Cross Functional Team Approach to this Economy
5. Taking the Opportunity Out of Fraud and Theft

The podcast host company is Arthur J. Gallagher Risk Management, Inc., Workers’ Comp Kit’s® Sponsor.
Speaker:  Anthony Van Gorp, Private Investigator at Investigative Solutions & Consulting Services, Inc.
CLICK HERE TO DOWNLOAD OR PLAY: http://www.workerscompkit.com/gallagher/mp3

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

©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com

LOUISIANA Workers Comp Crack Down on Fraud Arrests Employers for Misrepresenting Status of Employees

Fact: Workers’ Compensation Insurance is a type of “property and casualty” business insurance required in all states, except Texas where an employer may opt out. It is referred to as a “line” of insurance coverage and is purchased from an insurance agent or broker. For detailed information about your state’s requirements, contact your INSURANCE broker or agent.


Weekly Fraud Blotter from Lexis/Nexis:  September 18, 2009

 

Three Employers Arrested in Two Days

 

It is illegal for businesses  in Louisiana to misrepresent the status of their employees in an effort to avoid paying workers’ compensation insurance, payroll taxes and other employee-related costs.  Employers who fail to comply can be fined up to $250 per employee per incident. Continued non-compliance can result in larger fines, an injunction from doing business in the state or possible jail time.

 

Agents with  the Louisiana Insurance Task Force arrested the owner of a cleaning service on charges of insurance certificate forgery. His arrest follows that of two owners of a drywall business on charges of felony theft and workers’ compensation premium fraud totaling an estimated $1.2 million in unpaid insurance premiums.

 

“All employers doing business in Louisiana are required to provide workers’ compensation coverage for their employees. Businesses not covering their employees are shortchanging those employees and driving up costs for other businesses,” said Curt Eysink, executive director of the Louisiana Workforce Commission. “This is an important step in creating a level playing field for all businesses to compete fairly.”

 

The cleaning service  owner is accused of altering an expired certificate of insurance to make it appear his company was covered by a workers’ compensation policy in order to maintain his service contract with the State of Louisiana. State contractors are required to have a workers’ compensation policy in effect to qualify for work.  The investigation was triggered by a report showing the defendant’s work comp coveraged was cancelled due to non-payment.

 

Following a tip  received by LWC, it was discovered the drywall business owners under reported the number of employees  — reporting 35 and a payroll of $145,347, when there are more than 300 and a payroll of $4.2 million. (workersxzcompxzkit)

 

The Louisiana Workforce Commission has worked throughout the year investigating suspected employer and employee fraud. Through the second quarter of 2009, nearly 1,600 investigations were completed by the LWC Office of Workers’ Compensation Fraud and Compliance Units, with 13 referred to the AG’s office for possible prosecution. More than 10 arrests have been made.

 

Reposted with Permission  Visit LexisNexis for more information and full reports. The latest workers’ comp fraud blotter see http://law.lexisnexis.com/practiceareas/Workers-Compensation-Law-Blog/workers-compensation-fraud-/Workers-Comp-Fraud-Blotter-9182009—Recent-Arrests-Charges–Convictions

Try Our FREE WC IQ Test: http://www.workerscompkit.com/intro/
WC Books: http://www.reduceyourworkerscomp.com/workers-comp-books-manuals.php
WC Calculator: www.reduceyourworkerscomp.com/calculator.php

NEW ARTICLE: Return to Work in Unionized Companies
http://reduceyourworkerscomp.com//Return-to-Work-Programs-Unionized-Companies.php

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

©2008 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com

 

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