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Workers’ Compensation Claims: A Tale of Two Cases

by Thomas AmatoApril 30, 2019 11:01 AM

Broken bones, muscle strains, burns, cuts, and lacerations—injuries at work happen all too frequently. According to the National Safety Council, a worker is injured on the job every seven seconds.

Does your organization have a workers’ compensation strategy? As a small or mid-size business, you might think you have it under control and can brush it under the rug until the unfortunate happens. Or, perhaps the very fear of “what if” keeps you up at all hours of the night.

Either way, business owners have a lot to lose when they don’t have the resources to properly handle a workers’ compensation claim. See what you can learn from these two real-life stories involving workers’ compensation claims below.

 Construction worker suffers a workers’ compensation injury.

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Risk Management

Workers Compensation Rates to Drop in North Carolina: What it Means for Small Business Owners

by Alexa KrostDecember 10, 2018 8:00 AM

A culture of workplace safety not only helps protect you and your employees from avoidable accidents, it can also benefit your business financially. Costs associated with workers’ compensation rates can add up over time, but preventative measures can help businesses save their hard-earned money.

One place that has seen the benefits of reduced fees is North Carolina. Business Insurance reported that two states announced workers’ compensation rate reductions in 2019, led by a 17.2 percent drop for the Tar Heel State. What could have caused this and how does it affect small business owners? Here’s what you need to know.

An injured employee filling out a claim for a small business dealing with high worker’s compensation claims. 

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Risk Management

An Injured Employee Tests Positive for Drugs… Now What?

by Jeff CostinJuly 16, 2015 8:00 AM

Unfortunately, confirmation alone of a positive test for drugs or alcohol is not solely enough to obtain a denial of a workers’ compensation claim. Per Ohio statute (ORC 4123.54), there are several specific qualifications that must be met prior to the ultimate denial of a claim.  

There are four “statutory hurdles” that an employer must clear in order to have a claim denied in which the claimant tested positive for illegal substances:

Learn the four hurdles an employer must clear in order to have a claim denied in which the claimant tested positive for illegal substances.

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Risk Management

Preparing for the Inevitable

by Andrew SzczesniakAugust 29, 2013 7:51 AM

Be Prepared for worker's compensation claimsAlthough it’s still warm and the swimming pools are still open throughout Ohio, you’ve probably already started thinking about what needs to be done to prepare for the cold months ahead.

This preparation for the inevitability of winter is a fact of life in this part of the country. Similarly, because you have some time to prepare for worker's compensation claims (it takes two years before a claim impacts your premium), you can prepare yourself to mitigate the cost and impact on your BWC premium.

Follow the tips below to protect yourself in the face of worker's compensation claims: 

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