Workers' compensation, often called workers' comp, or shortened to WC, is an insurance program that protects employers when one of your client's employees is hurt on the job. More...
DWC is an abbreviation for Division of Workers' Compensation. More...
An MPN, or Multiple Provider Network, is a group of health care providers approved to treat injured workers within a specific state's workers' compensation program. More...
Insurers collect a mountain of data in the course of doing business. Those carriers send their workers' comp stats to rating bureaus to analyze the workers' comp claims. More...
What your client does can bring risk to an insurance carrier. More...
The experience modification rate, or experience modifier, is usually shortened to MOD. More...
PEO is short for Professional Employer Organization. More...
In the workers' comp arena, a PEO like Insured Solutions knows the ins and outs of workers' comp. More...
Yes, up to 5 owners can exclude themselves from workers' comp with a direct write policy. More...
Injuries should be reported immediately – within 24 hours. More...
Of course your client CAN fire an employee on workers' comp leave, but SHOULD they? More...
All prescription drugs are covered under workers' comp, although some drugs require an approval process. More...
Yes, medical care is always covered under workers' comp even when there is no lost time. More...
Legislatures in a handful of states mandate that companies buy workers' comp directly from their states instead of the open marketplace. More...
A right of subrogation creates a means for insurers to go after a third party who was at fault and caused the insurer to lose money in the form of claim dollars. More...
A waiver of subrogation, commonly known as WOS, is inserted as a contract clause that waives or releases the right of an insurer to sue a third party. More...
Step 1. When a complaint of pain or an injury occurs on the job, it must be reported to a supervisor or manager. More...
Previous injuries can be found after a job offer is made by using a Post Offer Medical Questionnaire followed by a medical evaluation based on the EFJ (Essential Functions of the Job). More...
Every employee, regardless of legal status to work in the U.S., are covered under the employer's workers' comp plan and receives the same care and benefits as any other worker. More...
Part-time work equals full-time workers' comp benefits. More...
Independent contractors are not eligible for workers' compensation coverage and employers are not required by state law to purchase coverage for independent contractors. More...
Just as we make sure as individuals to keep our health and auto insurance up to date, so contractors who use subcontractors on their jobsites should require a current workers' comp certificate as proof of coverage.More...
Contracting with an outside company can be a risky proposition for your clients when it comes to workers' comp. But there are steps that a prepared employer can take. More...
Any ex-employee can file a workers' comp claim within one year of injury. More...
An employer can pay for a family member/employee's injury as long as they report that injury as a claim to workers' comp and the claim is assigned a claim number. More...
All soft tissue injuries must be reported - no exceptions. More...
Your client should always report injuries or complaints of pain even if they are treated on site. More...
When an employee is in an auto accident during the “course of employment,” they should file under both car and workers' comp insurance. More...
Rating bureaus assign individual class codes to each industry type. More...
To determine an employer's workers' comp premium, a calculation is made from several rating elements. More...
A claim can be late because an employee didn't report an injury immediately, there may be an attempt at fraud, or the employee may not think the injury is serious. More...
Employees cannot pay part of their employer's workers' comp. More...
No business wants their WC claim count and dollar amounts to rise, but they especially don't want to see suspected fraudulent claims ding their WC. More...
Yes, there are tools that can help prevent fraud by eliminating questionable hires before they can commit fraud. More...
Workers' comp fraud is illegal and states levy fines (up to $10k) plus jail time (up to 2 years) to anyone caught lying about an injury. More...
A paper trail is essential if fraud is suspected. For Insured Solutions' clients, a tool called a “Red Flag” kit guides them through the process of documentation. More...
When an employee is injured, rule number one: if something is broken, if there is a lot of blood or if they are unconscious, they immediately go to the emergency room. More...
Human resources (HR) is essential to an employer's workers' comp survival. More...
Just as each state has its own unique laws and regulations governing its citizens, so do state DWCs. More...
States disagree on the “driving to work” question. More...
As long as an employee is being paid, they are covered by workers' comp. More...
States vary on whether employees are covered in every circumstance while on your client's property. More...
Employees are covered no matter where they are as long as they are on your client's company business.
A workers' comp claim never really leaves its employer/carrier of origin – no matter how much time passes. More...
Yes, remote workers are covered under workers comp as long as they were on a submitted PEO payroll and the premium is not in arrears. More...
When employees are hurt on the job, they may miss work. As a benefit, a portion of their lost wages are paid back to them through workers' comp. More...
Offense, offense, offense. It is crucial that your client is diligent. More...
When an employee dies on the job or his/her death is connected to the job, your client must report the death within 8 hours. More...
No, payroll administration does not have to be included to use our workers' comp programs.
We use different carriers that are A-rated and match your client's risk and industry needs to the right the program. Feel free to discuss your client's needs with one of our account managers.
We will do everything possible to insure that your client's experience is perfect. However, if the client decides that our workers' compensation program is not right for their business, we require a 30 day notice to exit.
Insured Solutions utilizes SSL Encryption and SAS 70 compliant protocol with 24/7 up time and redundant backups on and off-sight to secure all of your agency and your client's data.
An Insured Solutions client services representative will handle all client set up and training and keep you informed along the way.
High risk clients are a perfect fit for Insured Solutions. More...