Former MBTA Driver Charged with Workers Comp Fraud

A former MBTA driver (Massachusetts) is looking at a fall trial on charges that she staged an armed robbery, lied about it to police, and then claimed more than $7,000 in workers compensation funds, Suffolk County District Attorney Daniel Conley reported.

 
 
Nancy Parker, 53, of Burlington was arraigned recently in Suffolk Superior Court on charges of workers comp fraud, making a false police report, and misleading an investigator, a subsection of the state’s witness intimidation statute. (WCxKit)
 
 
Assistant District Attorney David McGowan told the court that Parker was driving an MBTA bus on Route 111 in the area of Garfield Avenue and Exeter Street in Chelsea on the afternoon of Oct. 2, 2007, when she made the initial false report.
 
 
When MBTA Transit Police along with Chelsea Police and other law enforcement officials responded to a call for shots fired, Parker allegedly told them that she was heading inbound when she stopped to pick up a passenger. The man, that Parker allegedly told Transit Police detectives about, pulled a gun, demanded her money, and shot at her.  He shot her once as she sat in her seat and three more times after she tried to rush past him and he pushed her to the ground, where he took her wallet and fled.
 
 
Though she claimed ignorance as to his identity or motive beyond the robbery, Parker allegedly gave a detailed description of the assailant. This description led Transit Police to conduct an extensive investigation into who he might have been. After posting a composite sketch to the Massachusetts Most Wanted web site and circulating it among local businesses, Transit Police received a tip that led to particular scrutiny of a suspect in past offenses. He was eventually cleared of wrongdoing in the bus incident.
 
 
Parker also allegedly showed investigators her uniform jacket, which had three holes in it. Though she described them as bullet holes, she suffered no injuries from the shooting she described. She did, however, leave work and file a workers comp claim which amounted to $7,750.87, plus an additional $2,063.07 in payments to medical providers.
 
 

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In a second interview with Transit Police, Parker allegedly stated that she had lied in her initial statement. This time she allegedly indicated that a former intimate partner had sent the gunman to collect a $5,000 debt Parker had incurred about 14 years earlier.
 
 
After interviewing that former partner, conducting further investigation, and attempting to contact Parker only to be met with evasiveness or, on one occasion, shouted profanities, Transit Police determined that her story was a fabricated.
 
 
Parker was first charged in Chelsea District Court on April 30, 2009. A judge dismissed the case of prosecutor objections in 2010. Conley’s office put the matter to a grand jury last year, leading to her Dec. 20 indictment. (WCxKit)
 
Her trial is now scheduled for Oct. 15, and she is due back in court soon.
 
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. He is an editor and contributor to Workers Compensation Management Program: Reduce Costs 20% to 50%. Contact: Info@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.
 
©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.

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Former Mass Restaurant Owner Violates Wage and Hour Laws

The former owner of a Woburn, Massachusetts restaurant has been arraigned for allegedly violating the Commonwealth’s wage and hour laws, Attorney General Martha Coakley announced. 
 
 
Lynne A. Howell, 50, of Woburn, former owner of La Stanza Diva Ristorante, was arraigned on charges of Failure to Pay Wages (3 counts), and Failure to Provide Suitable Pay Stub Record (3 counts). WCxKit
 
 
According to authorities, Howell failed to pay three of her employees’ wages for work they performed at the restaurant and failed to provide the three employees with pay stubs.
 
 
The Attorney General’s Office began an investigation in March of 2009, after a former employee filed a nonpayment of wage complaint with the Fair Labor Division.  In August 2009, the Fair Labor Division issued a civil citation against Howell and La Stanza Diva Ristorante for failure to pay timely wages in the amount of $1,650 and a penalty in the amount of $500.  A penalty for failure to produce records for inspection in the amount of $1,000 was also assessed. 
 
 
While the citation was under appeal by Howell, the Fair Labor Division received complaints from two additional employees in November 2009, alleging that Howell failed to pay them their wages.
 
 
Under Massachusetts law, employers must pay employees within six days of the termination of the pay period. Employers must provide a pay stub with proper information, including rates of pay and legal deductions. (WCxKit)
 
 
Howell was arraigned recently in Woburn District Court at which time she pleaded not guilty and was released on personal recognizance.  Howell is due back in court on Dec. 16, for a pre-trial hearing. 
 
 
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.
 

NEW 2012 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.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

Staffing Agency Tried to Skip Out on Workers Comp Payments

The owner of a Lowell, Massachusetts staffing company has pleaded guilty to charges he underreported the size and scope of his business operations in order to avoid paying approximately $110,000 in workers compensation premiums, Attorney General Martha Coakley’s Office announced.  

 
Dara Duong, 53, of Lowell, pleaded guilty to charges of Workers Compensation Fraud (3 counts), and Larceny over $250 (2 counts). After the plea was entered, Superior Court Judge Kathe Tuttman sentenced Duong to two-and-a-half years in the House of Correction, suspended for three years and three years of probation.  Duong was further ordered to pay full restitution and perform 400 hours of community service at the Muscular Dystrophy Association in Beverly.
 
 
The AG’s Office began an investigation after the Massachusetts Insurance Fraud Bureau (IFB) finished its own investigation and referred the matter for prosecution. Duong was the owner of three companies based in Lowell: Middlesex Temporary Agency (Middlesex), Ankgor Staffing, Inc. (Ankgor), and General Labor Services (General Labor).  All three companies provided unskilled labor, such as factory workers, to several client companies.
 
 
Over a three-year period Duong intentionally underreported his companies’ payrolls, the total number of employees, and the number of clients his employees worked for. Duong also misrepresented job classifications as part of a scheme to avoid paying higher workers comp premiums to two insurance companies.  Investigators discovered that based on Duong’s false representations on his insurance policies, he avoided paying approximately $110,000 in workers comp premiums for a total of three policy periods.  (WCxKit)
 
A Middlesex Grand Jury returned indictments against Duong and he was arraigned on in Middlesex Superior Court where he originally pleaded not guilty.
 
 
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. He is an editor and contributor to Workers Compensation Management Program: Reduce Costs 20% to 50%. Contact: Info@ReduceYourWorkersComp.com.
 
 
 
NEW 2012 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.
 
©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.

Massachusetts Roofing Company, Owners Arraigned in Scam

A Watertown, Massachusetts roofing company and its owners have been arraigned on charges they allegedly failed to disclose millions of dollars in misclassified subcontractor payroll and failed to pay the prevailing wage, Attorney General Martha Coakley’s Office announced.


Shaun Bryan and Antoinette Capurso-Bryan, of Newton, and their company, Newton Contracting Company, Inc., of Watertown, were arraigned on the following charges:(WCxKit)


Shaun Bryan, 47, of Newton
Workers Compensation Premium Evasion (4 counts)
Unemployment Contribution Evasion (12 counts)
Misclassification of Employees as Independent Contractors (4 counts)
Failure to Pay the Prevailing Wage


Newton Contracting Company Inc., of Watertown
Workers Compensation Premium Evasion (4 counts)
Unemployment Contribution Evasion (12 counts)
Misclassification of Employees as Independent Contractors (4 counts)
Failure to Pay the Prevailing Wage


Antoinette Capurso-Bryan, 47, of Newton
Misclassification of Employees as Independent Contractors (4 counts)
Failure to Pay the Prevailing Wage


Authorities began an investigation into the Bryans and their company in late 2008, after the JTF received complaints that Newton Contracting was misclassifying part of its workforce. The Attorney General’s Office also received a complaint that Newton Contracting had misclassified its roofing employees as laborers at the Suffolk County Jail Project and consequently failed to pay their employees the prevailing wage rate.


The EOLWD’s Division of Unemployment Assistance (EOLWD\DUA) conducted a compliance audit of Newton Contracting’s payroll records in early 2009. The EOLWD\DUA determined that Newton Contracting misclassified multiple employees as independent contractors and consequently failed to disclose to the EOLWD\DUA more than $2.4 million in misclassified subcontractor payroll for each quarter during 2006 through 2008. The EOLWD\DUA assessed more than $52,000 in additional unemployment contributions, including interest, against Newton Contracting.


During this time the IFB began an investigation of four of Newton Contracting’s worker’s compensation policies covering July 1, 2005, through July 1, 2009. The IFB discovered that the company allegedly misclassified half of its workforce as subcontractors. The IFB’s investigation further revealed that during its annual workers comp audits, Shaun Bryan allegedly failed to disclose to the auditor more than $3.4 million of Newton Contracting’s misclassified subcontractor payroll over the course of four policy periods.


The AG’s Fair Labor Division received a complaint that in 2009 Newton Contracting’s employees performing roofing work at the Suffolk County Jail Project were misclassified as laborers. The prevailing wage rate for roofing work was $53.86. Newton Contracting paid the workers $44.10 hour. In 2010, Newton Contracting paid two employees more than $5,000 in restitution for the misclassification and consequent failure to pay the prevailing wage violation.


A Suffolk County Grand Jury returned indictments against all three defendants on Dec. 19. The defendants were arraigned in Suffolk Superior Court where each pleaded not guilty and were released on personal recognizance.(WCxKit)


The defendants were to be in court Jan. 6, 2012 for further proceedings.


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. He is an editor and contributor to Workers Compensation Management Program: Reduce Costs 20% to 50%. Contact: Info@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.

©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.

Trio of Massachusetts Masonry Companies Nailed for Failure to Pay Correct Wages

 
Three Massachusetts masonry companies and their owners have been ordered to pay more than $68,000 for failing to pay the prevailing wage, according to information from Attorney General Martha Coakley.
 
 
Investigators of the Fair Labor Division conducted site inspections at nine public construction projects.  During these site inspections, the investigators observed and filmed employees performing masonry tasks, such as cutting block or brick with a masonry saw. A review of the certified payroll records submitted by these companies to the awarding authorities showed that the employers misclassified their masonry workers as laborers, and consequently failed to pay the employees the prevailing wage rate. (WCxKit)
 
 
The Department of Labor Standards (“DLS” – formerly the Division of Occupational Safety) is statutorily authorized to set the prevailing wage rates for all public construction projects in Massachusetts and to determine which tasks fall into which job classifications.  In 2004 and 2008, the DLS issued letters stating that cutting brick or block is a masonry task.
 
 
The AGO cited the following three companies and their owners for violations at the following public construction projects:
 
 
1.      D’Agostino Associates, Inc. of Newton, and John D’Agostino, 84, of West Newton were fined a total of $30,000 for four violations: Norwood High School; Hanover High School; Avery Elementary School in Dedham; and Natick High School.
 
 
2.      Lighthouse Masonry, Inc. of New Bedford, and Paul M. Alves, 43, of North Dartmouth were fined a total of $22,500 for three violations: Wayland High School; Salem State University; and the Ruane Judicial Center in Salem.
 
 
3.      Fernandes Masonry, Inc. of New Bedford, and Victor M. Fernandes, 39, of Acushnet were fined a total of $15,000 for two violations: Westboro Wastewater Treatment Plant Upgrade project and the Weston Public Works project.
 
 
Each company was ordered to pay a $7,500 fine for each wage violation and pay restitution to their employees for the one hour’s worth of time which the investigators observed. (WCxKit)
 
 
Additionally, the Attorney General’s Office ordered Lighthouse Masonry and Paul Alves to pay a $500 fine for failing to submit true & accurate certified payroll records at the Ruane Judicial Center project due to its failure to list one of its employees, observed by the investigators, on the certified payroll record.
 
 
 
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 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.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

Massachusetts AG Reminds of Importance of Fraud Detection By Employers

Recently addressing a group of 40 fraud directors from around the country, Massachusetts Attorney General Martha Coakley highlighted the importance of collaboration among law enforcement, employers, employees, and local fraud bureaus to prevent and prosecute cases of fraud across a variety of industries, according to a report from her office.
 
 
The cost of corruption on businesses and taxpayers is significant,” AG Coakley said. “It undermines the level playing field for businesses, distorts the competitive marketplace, and costs taxpayers at a time when every dollar is crucial.  It is in everyone’s interest – in both the public and private sector – to deter and prosecute cases of fraud, and we must all work together to do that effectively.” (WCxKit)
 
 
The Fraud Directors Conference, held in Chatham, was sponsored by the Insurance Fraud Bureau of Massachusetts. The Attorney General discussed the types of cases prosecuted by her office ranging from public corruption and Medicaid fraud matters to workers compensation and auto insurance schemes. 
 
 
She highlighted examples in which public and private cooperation proved key factors in deterring cases of fraud.  For instance, when the state was confronted with an uptick of cases of auto insurance fraud schemes, a collaborative effort between the Massachusetts Insurance Fraud Bureau, District Attorneys, federal and state law enforcement, and private insurance companies worked to combat these crimes and build strong criminal cases.
 
 
Coakley’s office has made the investigation and prosecution of cases of fraud and corruption a priority. For instance, in the last fiscal year, the Attorney General’s Office recovered $69 million in Medicaid fraud. (WCxKit)
 
 
Recently, she reported the indictments against 10 people in connection with four Medicaid Fraud cases.
 
 
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
 
 
REDUCE 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.
 
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact

Using Racial Profiling Eatery Owner Refuses Service

A Dorchester restaurant and bar and its owner have been accused of violating Massachusetts civil rights and public accommodations laws in a lawsuit filed by Attorney General Martha Coakley’s Office.
 
 
According to the AG’s office, the complaint alleges the eatery, Peggy O'Neil, engaged in a pattern of not allowing customers of color to enter and use the bar. (WCxKit)
 
 
We allege that [Caron O'Neil, owner of] Peggy O’Neil engaged in discriminatory and unlawful conduct,” Coakley said. “No one who lives, works, or visits Massachusetts should be subjected to discrimination.  All businesses must ensure that appropriate anti-discrimination policies are posted and adhered to within their establishments.”
 
 
The lawsuit claims that in December 2010, two men of Cape Verdean and African-American descent went to Peggy O’Neil, located in Dorchester, and waited in line with other customers as staff allowed numerous Caucasian customers to enter the bar in front of them. The owner, Caron O’Neil, who was working alongside bar staff allegedly said to the group, “This is your first time here, huh?” and informed them that they could not get in because it was too late.  She allegedly told the group she did not “want any trouble,” that she didn’t know them, and that they should find somewhere else to go.  At the same time, several white customers were allowed to enter the bar. 
 
 
Later that evening, a second group of friends of Cape Verdean, Spanish and African American descent went to the bar and was also allegedly denied entry by bar staff.  Bar staff asked them for their identification cards which they provided.  The bouncer allegedly asked them if they knew the owner of the bar and who they were there to see.  At the same time, other Caucasian customers were allowed to enter the bar, many of whom appeared to be intoxicated. 
 
 
According to the lawsuit, O’Neil told the group that they could not come in the bar because they did not know the bar’s owner.  She allegedly stated to them, “You don’t look like the type of people” the owner would know and “we don’t like people of your kind here” among other statements.  The lawsuit further states that a third group of persons of color were denied entry to Peggy O’Neil in April 2011 and were treated in a similar manner. (WCxKit)
 
 
The Attorney General’s lawsuit is seeking monetary damages, civil penalties and permanent injunctive relief, in addition to a preliminary injunction requiring the defendants and Peggy O’Neil’s staff to comply with state and federal anti-discrimination and consumer protection laws, undergo anti-discrimination training, and implement an approved anti-discrimination policy.
 

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. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.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.

Massachusetts Worker Report Does Not Bode Well for Hispanics

An average of nearly one worker death occurred each week in Massachusetts in 2010, including five firefighters who died from work-related cancer and heart disease, according to a recently released report from the Massachusetts AFL-CIO and the Massachusetts Coalition for Occupation Safety and Health.
 
 
As the Boston Globe reported, Hispanic workers, an increasing population in Massachusetts and the nation, experience workplace deaths at a much greater rate then that of white, non-Hispanic workers. In 2010, 3.5 Hispanic workers passed away on the job per 100,000 versus 1.2 deaths per 100,000 for white, non-Hispanic workers, the two organizations noted. (WCxKit)
 
 
What's more, workplace violence continues to be a prime employment hazard, responsible for the deaths of three workers who passed away during the performance of their work in 2010, the report's authors wrote.
 
 
The report is titled, "Dying for Work in Massachusetts: The Loss of Life and Limb in Massachusetts Workplaces." And one conclusion of the report is that not enough safety precautions and workplace oversight are costing workers their lives.
 
 
Compared to other parts of the nation, Massachusetts is one of the safest states to work in the country, in part due to a high concentration of low-risk injuries, the national AFL-CIO reported. (WCxKit)
 
 
Robert Haynes, president of the Massachusetts AFL-CIO, noted, "Of the 47 families who suffered the pain of losing a loved one at work this year, many have to struggle with the fact that an existing safety regulation could have saved their loved ones' life. All an employer had to do was care enough to properly implement it.”
  
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. See www.LowerWC.com for more information. Contact:Info@ReduceYourWorkersComp.com or 860-553-6604.

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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.
 
©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

Using a Cane is Often a Red Flag of Workers Compensation Fraud

A Boston police officer recently ended up on the wrong side of the law.
 
 
According to authorities, the detective, once honored as a department "top cop'' for locating a missing baby, pled guilty to federal charges of faking injuries in order to obtain disability payments. (WCxKit)
 
 
Eliezer Gonzalez, 49, recently changed his plea to guilty to 34 counts of mail fraud.
 
 
According to prosecutors, Gonzalez "greatly exaggerated and falsified both his injuries and ongoing physical issues.''
 
 
Surveillance tapes caught Gonzalez arriving at medical appointments walking slowly with a cane and accompanied by someone to assist him. But he was videotaped walking and acting just fine, even riding a motor scooter and sightseeing with friends in Vietnam.
 
 
According to Gonzalez, he suffered a back injury in 2007 when he was tossed on a cement floor while struggling with a suspect. (WCxKit)
 
 
Gonzalez faces up to 20 years in prison when he is sentenced June 3.
 
 
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. See www.LowerWC.com for more information. Contact:Info@ReduceYourWorkersComp.com or 860-553-6604.
 
 
 
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.

Massachusetts Governor Signs Order Banning Discrimination of Transgender Employees

Massachusetts Gov. Deval Patrick recently signed an executive order to ban discrimination against transgender employees in state government.
 
 
The measure is written to add protections for "gender identity and expression" to existing rules against discrimination. It would cover all state agencies in the executive branch of government along with companies or organizations that contract with the state. (WCxKit)
 
 
Gunner Scott, executive director of the Massachusetts Transgender Political Coalition, stated workers should not have to fear that they could lose their jobs due to who they are.
 
 
Arline Isaacson of the Massachusetts Gay and Lesbian Political Caucus praised Patrick for signing the executive order but also sought legislation that would prohibit discrimination on the basis of gender identity in the private sector too.
 
 
 
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. See www.LowerWC.com for more information. Contact:Info@ReduceYourWorkersComp.com or 860-553-6604.
 
 
 
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.

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