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

How a Nurse Case Manager Can Help Reduce the Cost of Workers’ Compensation Claims

by Christine HorvathFebruary 22, 2019 1:38 PM

What do you do when a worker gets injured on the job? It’s important to make sure your employees are protected in the case of a job-related injury, while also making sure that your business is protected. 

Every company is susceptible to workplace injuries. In 2017, the U.S. Bureau of Labor Statistics reported about 2.8 million nonfatal workplace injuries, ranging from slips, trips, and falls to muscle strains.

As an employer, finding ways to contain costs in all areas of your business are crucial, but there is a fine line between saving money and ensuring the health and recovery of your employees in these situations. One way to set yourself up for the best possible result of a workers’ compensation claim is to utilize a nurse case manager.

 A nurse case manager can help reduce the cost of worker’s compensation claims.


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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

What is a VSSR (Violation of a Specific Safety Requirement)?

by Tim AustinAugust 1, 2017 8:00 AM

Workplace safety oversights can be expensive mistakes for employers. When an injury occurs and a claim is made, the Bureau of Workers’ Compensation (BWC) will come down hard on an offending business if they determine it is at fault. Depending on the situation, employers may also find themselves dealing with a VSSR, another violation that can lead to additional penalties.

Image of saftey equipment. Learn what a VSSR is and how it can cost your business.


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Risk Management

To Insource or to Outsource: That is the Question

by Hanna JohnstoneFebruary 24, 2017 8:00 AM

Why did you start your business? Maybe because you are good at doing something. Maybe because you can offer a service that not many others can.

You worked hard to grow your business, to show everyone why they should use your company for their needs. You are a professional, and nobody knows your business better than you do. So why would you ever consider outsourcing back office tasks to a PEO if you can do them yourself?

At the end of the day, we all want the same thing: to be successful. Sometimes, to succeed we need to embrace the fact that we can’t always do everything ourselves.

Image of a human resources outsourcing company.


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Human Resources

How Winter Can Affect Workers' Compensation Claims

by Tim AustinJanuary 19, 2017 8:00 AM

Snow and ice is nothing new for people in the Midwest, but winter weather still creates plenty of headaches each year. While many people have to deal with heating bills, bad road conditions, and frighteningly large icicles that ominously hang overhead, winter weather can pose a few other problems for business owners.

Image of icy conditions. Reader about ohio workers’ compensation claims and what you can do to protect your business.


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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.



Risk Management

How PEOs Improve Cashflow: Part 2

by Tim AustinFebruary 17, 2015 8:00 AM

Accidents happen, which is why workers’ compensation is a mandatory expense. Still, high rates can destroy your cashflow. 

In my last post, I talked about how loss prevention strategies help prevent accidents in the first place, which can lower your rates. Today, I’d like to explain how an effective Cost Containment strategy can cut your costs, even if a claim is filed. 

Risk management can benefit your business’ budget. Contact GMS to find out how a PEO can help.


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Human Resources | Risk Management

How PEOs Improve Cashflow: Part 1

by Tim AustinFebruary 10, 2015 8:00 AM

Cashflow is key for any business. That’s an easy concept. What’s more difficult to understand is how to effectively manage all the things that pose a risk to that precious cashflow.

As a business owner, one of your biggest risks is workers’ compensation. According to the Liberty Mutual Workplace Safety Index, workers’ compensation cost business owners nearly $60 billion in 2012. That’s a lot of money!

The good news is that you don’t have to accept rising costs – and a strained cashflow - as a fact of business life.

Loss prevention can help limit workers’ compensation claims and lower your rates.


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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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Risk Management

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