Risk Mgt, Claims & Ins
Workers Comp
Insurance

Understanding the basics about WC retrospective rating programs

A few of the more significant areas employers and insurers should be attuned to when it is time for WC reform

Addresses some common misunderstandings regarding the interaction of workers compensation and the ADA

Attaining your perfect score directly impacts your work comp premium costs

While plans do vary between states, work comp insurance generally covers the following

A general overview

A generic overview - not state-specific

Alternative Dispute Resolution (ADR) programs for construction firms in California

Example of a community college's guidance to supervisors regarding workers compensation injuries

An Analysis of Experience in the California Construction Industry

Research correlates drug testing to WC mod reduction in the construction industry

The following relates to experience rating in states that use the NCCI or similar rating methodology

Independent contractors, PEOs, and their WC relationships to the employer

An overview of 12 specific exclusions

Employers insured in monopolistic states need to obtain employers liability coverage elsewhere via a stop gap

Experience Rating is used by rating bureaus to forecast whether a risk will incur losses greater or less than average

An explanation of the formula

The Experience Rating methodology is a forecasting model used by insurance rating bureaus

Alphabetical listing of terms related to workers compensation insurance & their definitions

Tip applies to states where the NCCI experience rating formula is in use

Lists the states with compulsory, partial and voluntary WC coverage requirements

An overview of the process

Explanation of WC experience rating as completed by NCCI

Large numbers of National Guard troops and Reservists are reentering the labor force following their deployment

Take an online test to determine your potential for savings and other benefits

Basic tips on how to control WC costs

Explains the basic principles in claims department reserving

The four monopolistic states are North Dakota, Ohio, Washington and Wyoming

Information, bulletins, forms and applications, court decisions and contacts

In most states, this is the WC classification system used to price WC insurance premiums

How To Understand Your Experience Rating Worksheet

Annual reports on workers compensation issues from 2003 to the present

NCCI's data collection roles and relationships for each state

The NJCRIB Exploring Experience Rating booklet

Descriptions of PCRB and carrier programs which may affect employers' workers compensation premiums

Overview of each

Perils when self-insured employers outsource the management of their workers' comp programs

A discussion of the application of Workers' Compensation laws to sexual harassment in the workplace

Provides basic overview of the different kinds of state funds

A chart by state of employer requirements for workers compensation insurance

A chart that lists state advisory committees and study commissions

A chart by state of numerical exemptions for workers compensation insurance

States differ with regard to the amount of time they will allow for a claimant to file a claim

Eleven steps to obtain a corrected WC mod

NCCI developed two classifications related to telecommuting

None of the 50 states has legislation on how workers' compensation laws should apply to telecommuters

Determing the true cost of a workers compensation claim

Tip applies to states where the NCCI experience rating formula is in use

Is it ever advantageous to not report medical only claims?

Suggestions are outlined here

Weighing the Advantages and Disadvantages of Unbundling

Losses can be defined in three categories

Tip applies to states where the NCCI experience rating formula is in use

Understanding the formula

Illustrates the Mod Formula

The applicability of workers? compensation rules to volunteers depends on the wording of state statutes

Employing older workers and controlling workers compensation costs

Lessons learned when outsourcing in self-insured workers' compensation systems

Benefits compared by state

Discusses the definition of

This article addresses Medicare's concerns and their potential ramifications

A series of articles related to workers compensation

Key facts, current developments and background relating to workers compensation issues

Should be monitored closely to ensure they represent the ultimate cost of the claims

Cost-saving tips for risk management

Basics of WC

Understanding your policy and controlling your costs

A series of articles on the subject

Joint programs are guided by a board with equal representation from the unions and the employers

How to lower the WC experience modification (x-mod) rate