Insurance Journal » workers’ compensation http://www.insurancejournal.com Insurance Journal delivers the latest business news for the Property/Casualty insurance industry Tue, 28 Apr 2015 00:40:49 +0000 en-US hourly 1 http://wordpress.org/?v=4.1.2 Workers’ Comp Study: California Reforms Lowered Medical Payments Per Claim http://www.insurancejournal.com/news/west/2015/04/23/365503.htm Thu, 23 Apr 2015 19:44:54 +0000 http://www.insurancejournal.com/?p=365503 A study from the Workers Compensation Research Institute indicates some benefits were had from California’s workers’ compensation reform bill. This WCRI 15th edition of the CompScope’ Benchmarks study tracks the provisions of Senate Bill 863, which sent into effect Jan. …

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California Workers’ Comp Premium Up 11% in 2014; Combined Ratio Still Exceeds 100 http://www.insurancejournal.com/news/west/2015/04/20/365112.htm Mon, 20 Apr 2015 19:03:16 +0000 http://www.insurancejournal.com/?p=365112 California written premium for calendar year 2014 was roughly $16.5 billion, 11 percent above the total in 2013 and 88 percent above the written premium reported for 2009, according to a report from the California Workers’ Compensation Insurance Rating Bureau …

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Cracking Under Pressure: Answers to the Workers’ Compensation Quiz http://www.insurancejournal.com/blogs/academy-journal/2015/04/20/364463.htm Mon, 20 Apr 2015 10:00:20 +0000 http://www.insurancejournal.com/?p=364463 We gave you the questions on Friday; you have had all weekend to ponder your responses. Here are the answers for which you have been waiting. Good luck, we hope you do well.   1. What country was the first …

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Home Builders Safety Group Earns $117,226 Texas Mutual Dividend http://www.insurancejournal.com/news/southcentral/2015/04/17/364869.htm Fri, 17 Apr 2015 16:13:05 +0000 http://www.insurancejournal.com/?p=364869 Austin-based Texas Mutual Insurance Co. announced it awarded a dividend of $117,226 to the Texas Home Builders (THB) safety group. The dividend was earned based on the group members’ dedication to making safety a priority in their businesses and therefore …

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Cracking Under the Pressure of Workers’ Compensation: Testing Your Workers’ Compensation Knowledge http://www.insurancejournal.com/blogs/academy-journal/2015/04/17/364307.htm Fri, 17 Apr 2015 10:00:11 +0000 http://www.insurancejournal.com/?p=364307 Test your knowledge of workers’ compensation by answering 21 questions covering the most important workers’ compensation facts and concepts. A wide array of work comp-specific topics is tested in this article: What makes an injury compensable; What is the “coming …

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NCCI Named Plan Administrator for Tennessee Workers Comp Insurance Plan http://www.insurancejournal.com/news/southeast/2015/04/17/364794.htm Fri, 17 Apr 2015 04:08:47 +0000 http://www.insurancejournal.com/?p=364794 The Tennessee Department of Commerce and Insurance (TDCI) has chosen the National Council on Compensation Insurance (NCCI) as the new plan administrator for the Tennessee Workers Compensation Insurance Plan (TWCIP). Beginning with policies effective July 1, 2015, NCCI will administer …

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CDI: True Religion Subcontractor Underreported $78M in Payroll http://www.insurancejournal.com/news/west/2015/04/16/364742.htm Thu, 16 Apr 2015 19:13:34 +0000 http://www.insurancejournal.com/?p=364742 The owners of sewing companies subcontracted by True Religion Brand Jeans were arrested this week on 18 felony counts of workers’ compensation insurance fraud totaling more than $11 million in losses. Businesses Sung Hyun Kim, 57, and her sister Caroline …

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Washington Contractor Hit for $1M in Workers’ Comp Premiums and Penalties http://www.insurancejournal.com/news/west/2015/04/15/364497.htm Wed, 15 Apr 2015 17:30:23 +0000 http://www.insurancejournal.com/?p=364497 A former drywall contractor in Walla Walla, Wash. must pay more than $1 million in delinquent workers’ compensation premiums and penalties. The Washington State Board of Industrial Insurance Appeals recently held Shawn A. Campbell and his spouse personally liable for …

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Audit Problems Leading to Additional Premiums http://www.insurancejournal.com/blogs/2015/04/15/360868.htm Wed, 15 Apr 2015 10:00:40 +0000 http://www.insurancejournal.com/?p=360868 Let’s dispense with the niceties and all attempts to eloquently ease into a discussion on the troubles surrounding workers’ compensation audits. Rather let’s jump right into the problem — assignment of “employee” status to non-employees. This is not the only …

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NGM Insurance Brings Expanded Work Comp Program to Vermont http://www.insurancejournal.com/news/east/2015/04/14/364278.htm Tue, 14 Apr 2015 16:44:55 +0000 http://www.insurancejournal.com/?p=364278 The Main Street America Group’s NGM Insurance Co. has introduced an expanded workers’ compensation program in Vermont via its network of independent insurance agents across the state. NGM’s expanded workers’ compensation product considers 10 characteristics that impact company placement, including …

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Illinois Governor Looks to Reduce Worker’s Comp Costs http://www.insurancejournal.com/news/midwest/2015/04/13/364131.htm Mon, 13 Apr 2015 16:07:51 +0000 http://www.insurancejournal.com/?p=364131 High on the list of Illinois Gov. Bruce Rauner’s legislative priorities is reducing the amount employers pay for workers’ compensation insurance. Illinois currently ranks 7th nationwide for the highest cost per $100 of salary, according to the Oregon Department of …

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Audit Rules and Guidelines – Part I http://www.insurancejournal.com/blogs/2015/04/10/360863.htm Fri, 10 Apr 2015 10:00:59 +0000 http://www.insurancejournal.com/?p=360863 Workers’ compensation coverage is initially priced on an estimated basis. The insured estimates payrolls (and sometimes class codes) at the beginning of the policy period for the upcoming year on which the insurance carrier charges a premium using the prescribed …

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Arizona Law Clarifies Medical Marijuana Insurance Requirements http://www.insurancejournal.com/news/west/2015/04/09/363823.htm Thu, 09 Apr 2015 15:45:22 +0000 http://www.insurancejournal.com/?p=363823 Workers’ compensation carriers and self-insurers will not be required to pay for a patient’s medical marijuana under a new bill Gov. Doug Ducey signed into law. The state’s more than 63,000 holders of medical marijuana cards will still be allowed …

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Combinability of Insureds http://www.insurancejournal.com/blogs/2015/04/08/360861.htm Wed, 08 Apr 2015 10:00:34 +0000 http://www.insurancejournal.com/?p=360861 Consolidating separate legal entities’ loss experience to develop a common experience modification factor has the potential to cause confusion for the client and sometimes the agent. Clients may view such mixing of loss experience due simply to common majority ownership/interest …

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WCIRB Submits Lower Mid-year Filing to California Department of Insurance http://www.insurancejournal.com/news/west/2015/04/06/363430.htm Mon, 06 Apr 2015 22:16:36 +0000 http://www.insurancejournal.com/?p=363430 The California Workers’ Compensation Insurance Rating Bureau on Monday submitted a July 1 pure premium rate filing to the California Department of Insurance proposing advisory rates that average $2.46 per $100 of payroll. The move follows a recommendation by the …

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Work Comp for PEOs and Their Client/ Employers http://www.insurancejournal.com/blogs/2015/04/06/360852.htm Mon, 06 Apr 2015 10:00:38 +0000 http://www.insurancejournal.com/?p=360852 Professional employer organizations (PEOs) began their rise after the adoption of the Tax Equity and Fiscal Responsibility Act of 1982 cleared a path for the creation and expansion of such entities. Between 700 and 900 professional employer organizations operate in …

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Tennessee Judge: Comp Benefit Limits for Undocumented Workers Unconstitutional http://www.insurancejournal.com/news/southeast/2015/04/02/363231.htm Thu, 02 Apr 2015 16:14:08 +0000 http://www.insurancejournal.com/?p=363231 A Nashville judge has found to be unconstitutional a state law that limits the amount of workers’ compensation benefits laborers living in the country illegally can receive. The ruling stems from the case of a Guatemalan man whose left arm …

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California Workers’ Comp Committee Votes for Lower Mid-Year Filing http://www.insurancejournal.com/news/west/2015/04/01/363093.htm Wed, 01 Apr 2015 19:43:26 +0000 http://www.insurancejournal.com/?p=363093 The California Workers’ Compensation Insurance Rating Bureau Governing Committee voted on Wednesday to authorize the WCIRB to submit a mid-year pure premium rate filing to the California Department of Insurance that’s 5 percent lower than the Jan. 1 filing. The …

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Nonemployee ‘Employees:’ The Borrowed Servant Doctrine – Part II http://www.insurancejournal.com/blogs/2015/04/01/360816.htm Wed, 01 Apr 2015 10:00:14 +0000 http://www.insurancejournal.com/?p=360816 Part I of this “nonemployee, employee” mini-series introduced the three types of “employers” and began the discussion regarding what constitutes or creates control. Part II completes the conversation on establishing “control,” briefly describes common types of borrowed servants and introduces …

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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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