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Two page protocols and reference sheets employers use to make injury response, return to work and claims oversight consistent. Tell us where to send them once, and every one is yours to download.
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A phased 90-day sequence for reforming a program, starting with Phase 1: Assess and Measure. It opens by naming the most common error, which is misidentifying the problem as...
Unlock to downloadTen foundational tactics in dependency order, starting with management commitment because nothing else moves without it. Includes how to earn that commitment by translating...
Unlock to downloadFive metrics that show where your program actually stands, starting with Cost Per Full Time Equivalent Employee. The sheet makes a sharper point than the formulas: knowing what...
Unlock to downloadThe employee brochure is the first thing an employee learns about your workers' comp program, and it sets their expectations before they are ever injured. This sheet gives the...
Unlock to downloadSafety and workers' comp are separate functions aimed at the same goal. This sheet covers the core elements of behavior-based safety and the Antecedent, Behavior, Consequence...
Unlock to downloadSupervisors are usually first to respond to an injury and have outsized influence on the outcome, yet most are never prepared for it. This template covers what to train them on...
Unlock to downloadCausation is a process, not a yes or no answer. This sheet lays out the six steps in order: evidence of disease, clinical evidence of a causal link, evidence of exposure, other...
Unlock to downloadA decision workflow for where telemedicine fits in injury response: initial or one-off semi-urgent care rather than ongoing treatment, and particularly after hours or on...
Unlock to downloadClaim outcomes track closely with how the injured employee is treated at first contact. This sheet collects the research, including a Liberty Mutual finding that average claim...
Unlock to downloadReturn to work fails when management, supervisors, providers, or the employee resist it. This sheet arms you with the published evidence: 13 studies covering the effect of...
Unlock to downloadTwo parallel five-step sequences of accommodation, ADA and collaborative return to work, laid side by side so you can see exactly where they align and where they diverge. Steps...
Unlock to downloadThree points that decide whether an injured employee goes back to work quickly: how the employer sets up the triage call, how medical decisions get made with vendor and medical...
Unlock to downloadNurse case management delivers real savings when used well and is one of the most misunderstood services in workers' comp when it is not. This sheet gives explicit criteria for...
Unlock to downloadEvidence-based medicine, formularies, and the opioid question usually get discussed at a national or state policy level, which is hard to convert into anything you can apply to...
Unlock to downloadThe hardest part of a claim audit is deciding which files to review. This sheet covers the selection method, including the rule of 7s for sampling large claim volumes, which...
Unlock to downloadAccount handling instructions fail for a predictable reason: they are too long. Adjusters carry several accounts, each with its own instructions, so complexity produces...
Unlock to downloadMost claims never reach litigation, and the ones that do are usually avoidable. This sheet starts with why injured workers hire attorneys, using WCRI survey data, then covers...
Unlock to downloadMost claims resolve with the employee back at work. A small share become difficult, expensive, and life-altering, and those tend to sit on autopilot for years. This sheet...
Unlock to downloadCatastrophic claims carry higher stakes in every direction, and poor outcomes on them trace to three causes: poor communication, treatment delays, and improper treatment. This...
Unlock to downloadThe top five pharmacy cost drivers in workers' comp and the controls for each. Includes opioid spend data showing cost per injured worker climbing from roughly $205 in year one...
Unlock to downloadYour minimum mod is the experience modification factor you would carry with zero losses. The gap between your current mod and that floor is your controllable mod, and it...
Unlock to downloadTotal workers' comp cost is payroll times rate times experience modification factor times adjustments, plus claim costs. Payroll and rate are governed by classification rules,...
Unlock to downloadThe cheapest workers' comp claim is the one that never happens, and a meaningful share of claims trace back to the hire. This sheet gives the screening sequence in its correct...
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