Insurance Journal » workers’ compensation http://www.insurancejournal.com Insurance Journal delivers the latest business news for the Property/Casualty insurance industry Mon, 30 Mar 2015 15:02:45 +0000 en-US hourly 1 http://wordpress.org/?v=4.1.1 Nonemployee ‘Employees:’ The Borrowed Servant Doctrine – Part I http://www.insurancejournal.com/blogs/2015/03/30/360808.htm Mon, 30 Mar 2015 10:00:23 +0000 http://www.insurancejournal.com/?p=360808 “The vital test in determining whether a workman furnished by [the primary employer] is a servant of [the special employer] is whether they (the employee(s)) are subject to the “special employer’s” control or right of control not only with regard …

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Pennsylvania Workers’ Comp Rate to Decline for 4th Year http://www.insurancejournal.com/news/east/2015/03/28/362450.htm Sat, 28 Mar 2015 23:04:14 +0000 http://www.insurancejournal.com/?p=362450 The cost of workers’ compensation insurance is declining for the fourth consecutive year in Pennsylvania. The state departments of Insurance and Labor & Industry said on Friday, March 27, that overall rates will decline by 5.99 percent while benefits for …

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Employees Exempt from Workers’ Compensation http://www.insurancejournal.com/blogs/academy-journal/2015/03/27/360686.htm Fri, 27 Mar 2015 14:41:10 +0000 http://www.insurancejournal.com/?p=360686 Employee-employer relationships regarding workers’ compensation are complicated by the IRS, industrial commissions, the courts and state statute. Each has its own definition or applies a different test to define “employee.” Certain “employment” situations and arrangements are exempt from the requirements …

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Michigan Workers’ Comp Costs Drop, Employment Rises http://www.insurancejournal.com/news/midwest/2015/03/25/362105.htm Wed, 25 Mar 2015 22:52:57 +0000 http://www.insurancejournal.com/?p=362105 Michigan has had some positive developments on the employment and workers’ compensation fronts lately and state officials are eager to share the news. Workers’ comp costs for employers in Michigan have dropped by nearly 28 percent since 2011 and the …

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2 Mass. Roofing Company Owners Indicted for Alleged Work Comp Fraud http://www.insurancejournal.com/news/east/2015/03/25/362059.htm Wed, 25 Mar 2015 16:15:07 +0000 http://www.insurancejournal.com/?p=362059 Two business owners in Milford, Massachusetts, have been indicted in connection with failing to accurately report their total payroll and workforce to avoid paying hundreds of thousands of dollars in insurance premiums, authorities announced. Massachusetts Attorney General Maura Healey’s office …

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Second Injury Funds: Are They Still Necessary or Just a Drain On the System? http://www.insurancejournal.com/blogs/academy-journal/2015/03/25/360666.htm Wed, 25 Mar 2015 10:00:24 +0000 http://www.insurancejournal.com/?p=360666 Second (or subsequent) injury funds (SIFs) have been abolished in 20 states. Alabama and Maine began this movement in 1992, with South Carolina being the most recent convert; each ending its respective program in 2013. Further, the American Insurance Association …

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Benefits Provided Under Workers’ Compensation Laws http://www.insurancejournal.com/blogs/2015/03/23/360655.htm Mon, 23 Mar 2015 10:00:05 +0000 http://www.insurancejournal.com/?p=360655 Injuries or illnesses established as compensable under applicable workers’ compensation law require prescribed benefits be paid to the injured employee. Benefit limits and duration vary by jurisdiction but each state provides essentially the same three “classes” of benefits: Medical benefits; …

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A.M. Best Affirms Ratings of Louisiana-Based AMERISAFE, Subsidiaries http://www.insurancejournal.com/news/southcentral/2015/03/20/361419.htm Fri, 20 Mar 2015 16:38:30 +0000 http://www.insurancejournal.com/?p=361419 A.M. Best has affirmed the financial strength rating of A (Excellent) and the issuer credit ratings (ICR) of “a” of DeRidder, La.-based AMERISAFE Inc. and its property/casualty subsidiaries: American Interstate Insurance Co.; Silver Oak Casualty Inc.; and American Interstate Insurance Co. in Austin, Texas. Concurrently, …

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Changes to Kansas Workers’ Comp System Raise Lawsuit Fears http://www.insurancejournal.com/news/midwest/2015/03/16/360716.htm Mon, 16 Mar 2015 22:13:36 +0000 http://www.insurancejournal.com/?p=360716 A change to the state system for paying medical bills and lost wages for injured workers in Kansas has some fearing big lawsuits and others looking forward to cost savings. Starting Jan. 1, the state began rating injuries using an …

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Connecticut Revisits Workers’ Comp for First Responders With PTSD http://www.insurancejournal.com/news/east/2015/03/16/360592.htm Mon, 16 Mar 2015 16:00:58 +0000 http://www.insurancejournal.com/?p=360592 The Connecticut General Assembly is revisiting whether to grant workers’ compensation coverage for certain first responders suffering from post-traumatic stress disorder, such as those who responded to the mass shooting at Sandy Hook Elementary School. Following a couple years of …

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Safety an Issue as Oilfield Companies Cut Costs During Downturn http://www.insurancejournal.com/news/southcentral/2015/03/13/360474.htm Fri, 13 Mar 2015 16:12:53 +0000 http://www.insurancejournal.com/?p=360474 A deadly oil well explosion in Texas’ Permian Basin this week offers a cautionary note of the industry’s challenges as companies cut costs during a market downturn. Even as deaths in the industry have climbed much less than the breakneck …

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3 Killed in West Texas Oil Field Explosion http://www.insurancejournal.com/news/southcentral/2015/03/12/360313.htm Thu, 12 Mar 2015 16:49:30 +0000 http://www.insurancejournal.com/?p=360313 An oil field rig exploded in West Texas killing three workers on March 10. Investigator Dusty Kilgore of the Upton County Sheriff’s Office said the accident happened Tuesday morning near Rankin, about 40 miles south of Midland. Kilgore says a …

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Ohio Measure Would Allow Workers’ Comp for Police PTSD http://www.insurancejournal.com/news/midwest/2015/03/11/360208.htm Thu, 12 Mar 2015 02:11:02 +0000 http://www.insurancejournal.com/?p=360208 Ohio’s emergency responders diagnosed with post-traumatic stress disorder could be eligible for workers’ compensation benefits even if they don’t have physical injuries under proposed legislation a state Senate panel is considering. It would apply to police and other peace officers, …

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Louisiana’s LCTA Workers’ Comp Adds D’Angelo to Board http://www.insurancejournal.com/news/southcentral/2015/03/09/359858.htm Mon, 09 Mar 2015 16:40:54 +0000 http://www.insurancejournal.com/?p=359858 Louisiana-based workers’ compensation insurer, LCTA Workers’ Comp (LCTA), has added John D’Angelo to its board of trustees. D’Angelo founded Investar Bank in Baton Rouge, La., in 2005, and grew the full-service community bank to eleven locations and $800 million in …

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Kansas Hotel Owners Hired Illegal Immigrants, Didn’t Pay Taxes, Workers’ Comp http://www.insurancejournal.com/news/midwest/2015/03/09/359842.htm Mon, 09 Mar 2015 16:14:02 +0000 http://www.insurancejournal.com/?p=359842 When a suburban Kansas City couple bought two Clarion hotels, they systematically replaced lawfully employed workers with immigrants not authorized to work in the United States, cutting labor costs by 40 percent. Not only were the illegal workers paid a …

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Tennessee Lawmakers Introduce Work Comp ‘Option’ Legislation http://www.insurancejournal.com/news/southeast/2015/03/06/359629.htm Fri, 06 Mar 2015 09:00:28 +0000 http://www.insurancejournal.com/?p=359629 Tennessee may soon have its own answer to an alternative workers’ compensation insurance option through new legislation by Republican lawmakers known as the Tennessee Employee Injury Benefit Alternative. Tennessee State Senator Mark Green and State Representative Jeremy Durham introduced Senate …

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How Group Health Claims-Shifting Affects Workers’ Compensation: WCRI http://www.insurancejournal.com/news/national/2015/03/05/359654.htm Fri, 06 Mar 2015 02:49:52 +0000 http://www.insurancejournal.com/?p=359654 Workers’ compensation insurers should expect more cost shifting from group health plans as a key provision of the Affordable Care Act (ACA) takes hold, according to new research from the Workers Compensation Research Institute (WCRI). The claims shift is already …

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Arizona Court Says No Blanket Right to Travel for Injured Worker Care http://www.insurancejournal.com/news/west/2015/03/02/358989.htm Mon, 02 Mar 2015 16:42:09 +0000 http://www.insurancejournal.com/?p=358989 A court ruling says Arizona workers being treated for on-the-job injuries aren’t entitled to travel expenses if they haven’t shown they cannot get necessary care locally. The Arizona Court of Appeals ruled last week in the workers’ compensation case of a …

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Gaines Named Liberty Mutual National Medical Director, Commercial Insurance http://www.insurancejournal.com/news/national/2015/02/26/358632.htm Thu, 26 Feb 2015 16:00:20 +0000 http://www.insurancejournal.com/?p=358632 Liberty Mutual Insurance has appointed Dr. Will Gaines, MD, MPH, as national medical director of its Commercial Insurance strategic business unit. Gaines is responsible for managing the company’s team of regional medical directors, as well as the strategies and tools …

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1st Cayman Portfolio Insurance Company Formed by Ascension Insurance http://www.insurancejournal.com/news/international/2015/02/25/358571.htm Wed, 25 Feb 2015 10:38:06 +0000 http://www.insurancejournal.com/?p=358571 The first portfolio insurance company (PIC) has been formed in the Cayman Islands, as a direct result of new insurance regulations Cayman enacted in January to provide risk management alternatives for insurers incorporated as segregated portfolio companies (SPCs). AARIS Insurance …

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2014 Workers’ Compensation Rates Ranked by State http://www.insurancejournal.com/news/national/2015/02/23/358401.htm Mon, 23 Feb 2015 19:21:05 +0000 http://www.insurancejournal.com/?p=358401 The median index rate for workers’ compensation insurance fell to an all-time low in 2014 to $1.85 per $100 of payroll. Index rates in 2014 varied from a low of $0.88 in North Dakota to a high of $3.48 in …

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N.H. Lawmakers Work to Tackle High Workers’ Comp Costs http://www.insurancejournal.com/news/east/2015/02/23/358382.htm Mon, 23 Feb 2015 17:50:50 +0000 http://www.insurancejournal.com/?p=358382 If a worker in New Hampshire gets hurt on the job, an anesthetic injection can cost $763 under a workers’ compensation claim, compared to $298 for non-work related injuries. Surgical treatment for tendinitis in the shoulder costs about $2,200 if …

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Energy Workers at Loose Ends after Drop in Crude Prices http://www.insurancejournal.com/news/southcentral/2015/02/20/358235.htm Fri, 20 Feb 2015 17:50:19 +0000 http://www.insurancejournal.com/?p=358235 The drive from Ken Mercer’s home in Tennessee to the oil fields of western North Dakota takes 20 hours if you drive straight through. Every month, Mercer, an Army veteran who served in Iraq, would make the trip as part …

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Sagamore Insurance Expands Workers Compensation Program to 6 States http://www.insurancejournal.com/news/national/2015/02/17/357629.htm Tue, 17 Feb 2015 17:28:33 +0000 http://www.insurancejournal.com/?p=357629 Sagamore Insurance Co., a subsidiary of Baldwin & Lyons Inc., is expanding its mono-line workers’ compensation program into six new states: Tennessee, Kentucky, Oklahoma, Mississippi, Kansas and Arkansas. The program, which offers coverage for a variety of class codes, has …

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Minnesota Suppliers Hit by Target Canada Bankruptcy Filing http://www.insurancejournal.com/news/midwest/2015/02/17/357627.htm Tue, 17 Feb 2015 17:23:45 +0000 http://www.insurancejournal.com/?p=357627 The end of Target’s Canadian operations is having a financial impact on businesses in Minnesota that supplied the retailer. Target’s Canadian division filed for bankruptcy protection last month and owes nearly $5 million to Minnesota suppliers and service providers, including …

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South Dakota Workplace Shooting Leaves 2 Dead, 2 Injured http://www.insurancejournal.com/news/midwest/2015/02/17/357622.htm Tue, 17 Feb 2015 17:20:16 +0000 http://www.insurancejournal.com/?p=357622 The mood in the community of Lennox, S.D., is somber and likely will remain that way for a while, as residents prepare for the funeral of a man killed in a workplace shooting. The funeral for Jon Richter, 45, is …

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North Dakota Officials Stress Job Resiliency in Oil Industry http://www.insurancejournal.com/news/midwest/2015/02/17/357617.htm Tue, 17 Feb 2015 17:14:36 +0000 http://www.insurancejournal.com/?p=357617 A recent slide in oil prices is leading to fewer jobs in the western North Dakota oil patch, but officials there and in northwestern South Dakota say the regional industry is resilient and will ride out the slump. Openings posted …

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Nevada Workers’ Compensation Loss Costs See Slight Decrease in 2015 http://www.insurancejournal.com/news/west/2015/02/12/357360.htm Thu, 12 Feb 2015 19:36:09 +0000 http://www.insurancejournal.com/?p=357360 Many Nevada employers will see a slight decrease in the premiums they pay for workers’ compensation insurance this year. Insurance Commissioner Scott J. Kipper approved a filing from the National Council on Compensation Insurance for an average decrease of 0.5 …

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West Virginia House Clears Reform Bill for Deliberate Intent Lawsuit Protections http://www.insurancejournal.com/news/southeast/2015/02/12/357271.htm Thu, 12 Feb 2015 16:28:07 +0000 http://www.insurancejournal.com/?p=357271 The GOP-led West Virginia House of Delegates voted 59-38 Tuesday to scale back deliberate intent lawsuit protections. When there’s a known unsafe working condition that hurts or kills someone, the lawsuits are available, in addition to making workers’ compensation claims. …

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Farmers Settles Suit with Radiological Firms Over Alleged Billing Fraud http://www.insurancejournal.com/news/west/2015/02/11/357235.htm Wed, 11 Feb 2015 20:07:50 +0000 http://www.insurancejournal.com/?p=357235 Los Angeles, Calif.-based Farmers Insurance Exchange has reached a settlement in a lawsuit involving alleged billing fraud by two radiological companies and their owners. The complaint alleges that two radiological corporations and their owners submitted false and misleading documentation to receive …

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