EMC Insurance: The Basics of Your Experience Modification Factor

Managing and understanding workers’ compensation insurance costs is a difficult task, says EMC Industrial Hygienist Krista Scott. You’ve likely heard the term “experience modification factor” aka “experience mod,” and Krista says that this concept is one key to managing insurance costs. The Basics: The experience mod is a numerical representation...

A Recent Report by Lockton Companies Brings a New Spin on the Work Comp Lag Time Debate.

Reporting lag time is defined as the time between the onset of a work injury and the point at which a claim is filed with the insurer. Lag time has been a hot topic in the workers’ compensation debate...

Motor Vehicle Accidents in Workers Compensation

Today’s cutting-edge technology allows cars to steer themselves, maintain safe following distances, brake automatically, and warn drivers of nearby vehicles. Yet, despite these safety...

Are interns covered on Workers Compensation in Illinois?

Are interns covered on Work Comp? It’s that time of year - Chicago area businesses will be adding college interns to their summer workforce. Whether they are paid interns or not - the question is “Are...

The Marijuana Conversation: What's Next

"The Marijuana Conversation: What's Next" is the fifth installment in NCCI's Marijuana Conversation series aimed at exploring the issues surrounding marijuana's impact on workers...

The Marijuana Conversation: Questions Regulators and Legislators Are Asking

“The Marijuana Conversation: Questions Regulators and Legislators Are Asking” is the fourth installment in NCCI’s Marijuana Conversation series aimed at exploring the issues surrounding marijuana’s...

EMC Insurance: OnCall Nurse Hotline

How does your organization handle on-the-job injuries? Unless you have a health professional on-site for all work shifts, the injured employee or a supervisor will likely have to make a snap...

The Marijuana Conversation: Questions Employees Are Asking

Over the next serval months, we will be diving into the National Council on Compensation Insurance (NCCI) Marijuana Conversation series aimed at exploring the issues surrounding marijuana’s impact on...

Do You Know Your Pictograms?

Even though it’s been two years since OSHA adopted new chemical labeling requirements, EMC Industrial Hygienist Steve Shaffer has visited organizations who haven’t yet upgraded to the new...

The Marijuana Conversation: Questions Employers Are Asking

Over the next serval months, we will be diving into the National Council on Compensation Insurance (NCCI) Marijuana Conversation series aimed at exploring the issues surrounding marijuana’s impact on...

EMC Insurance: 8 Steps to Simplify Your Risk Management Program

Figuring out how to manage the many risks your organization faces can be a difficult process. Issues range from natural disasters, such as tornados and hurricanes, to man-made issues, such as...

The Marijuana Conversation: Questions Workers Compensation Insurers Are Asking

Over the next serval months, we will be diving into the National Council on Compensation Insurance (NCCI) Marijuana Conversation series aimed at exploring the issues surrounding marijuana’s impact on...

Tips for Safer Telecommuting Habits from a Telecommuter

Tips for Safer Telecommuting Habits from a Telecommuter EMC Risk Improvement Consultant Laurie Hoskins is among the 3.7 million employees who frequently work from home. According to a recent Gallup...

Travelers' Early Severity Predictor: A way to predict who'll become a drug addict in your workplace.

  Allen, 25, works in a Trenton, New Jersey, auto body shop alongside a middle-aged man who’s straining to lift bumpers and fenders. Allen’s co-worker came back after a hip replacement because he...

Update - NCCI Audit Noncompliance Charge Endorsement

  Effective 1/1/2017 the National Council on Compensation Insurance approved a Workers Compensation policy endorsement where an insurance company can charge up to 2x the originally estimated premium...

Transitional Task Ideas - How to Bring an Employee Back to Work Sooner

When an employee is off work due to an injury or illness, an effective return to work program can help you bring that employee back to work—in a modified capacity—as soon as they are medically able....

EMC: New OSHA Reporting Rule in Effect Now

New OSHA Reporting Rule in Effect Now With a new OSHA rule in place that affects more employers than in the past, your company may need to change how you report and submit injuries and illnesses....

How to Report Work Comp Fraud

The Illinois Department of Insurance has a newly redesigned Workers' Compensation Fraud Web Site. They provide complete complaint checklists in order to report someone you suspect carrying out Work...

Intoxication and a Denied Work Comp Claim

The Illinois Workers Compensation Reform Bill of 2011 allowed for the denial of benefits when intoxication was the primary cause of an employee injury.  Our office recently had the first case where a...

EMC: Designated Physicians Are Good for You and Good for Your Employees

Three workers were injured on the job. Although the injuries were not life threatening, the first worker immediately rushed to the emergency room for treatment. The second worker visited his...
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