For the fifth year in a row, insurance commissioner, Dave Jones, has requested decreases averaging 17.85% in the loss cost rate for 69 construction classifications that we track.
For workers’ compensation claims, a physician has to agree that an injured worker can return to work in a modified job with certain restrictions. Without a doctor’s letter, or a primary treating physician’s progress report, your company cannot offer a modified job to your employee.
This information also includes: Early Return-To Work Procedures, Employee’s Roles and Responsibilities, and a list of Transitional, Light & Modified Tasks that can be Performed in the Office, Shop or Field.
Your employee is injured on the job, you send him to the doctor and he comes back with work restrictions. What do you do now?
This is a sample letter for offering an injured employee light duty as an alternative to temporary total disability benefits (TTD).
It may seem incredible, but after an auto accident, most people don’t know how to record all the information to report a claim… To get the best results, you need to be prepared. If you have ever called your auto insurer to report a claim, you are aware that there are multiple questions about the facts.
With online payment systems, certified payrolls and sharing of specifications and bid documents, contractors are exposed to cyber losses that are not covered by traditional insurance. Add on cyber-ransom and you really have several areas of concern.