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Industry Articles and Resources

Aging America: The Iceberg Dead Ahead
This article by Thomas Lynch in the Spring 2009 IAIABC Journal discusses how America’s increasingly aging workforce will significantly change the face of workers’ compensation and will overwhelm the nation’s entitlement programs, specifically Social Security, SSDI and Medicare over the next decade. Lynch makes the case that neither states, the federal government, or insurers are adequately prepared for the claims and cost identified problems and offers recommendations to address these problems.   [more]

The Best Health Care in The World
Most Americans know that health care costs, particularly group health care costs, have been rising steadily, year after year, like a child’s helium balloon that gets released into the air. What most Americans do not know is that, if group health is the helium balloon, medical costs in workers’ compensation are the helium balloon on speed, rising at double the rate of group health. Many think that rising costs are the inevitable result of having “the best health care system in the world.” But are we indeed? This essay compares the U.S. health care system with other developed countries in terms of costs and quality. It can be quite eye opener. [more]

Hartford VT School District Benefits From an Active Injury Management Program
In 1978, when Vermont’s Town of Hartford School District hired him straight out of the University of Vermont Teacher Corps to become the Director of Pupil Personnel and Special Education, John OHaus didn’t foresee himself ending up as the Assistant Superintendent, responsible for just about everything in the system, including workers’ compensation. But that’s what happened. [more]

Contractor Law Update Vexes Firms
In this article, Worcester Sunday Telegram Business Editor Andi Esposito examines the difficulties facing employers in the wake of a recent update in Massachusetts law regarding independent contractors. Lynch Ryan's Jon Coppelman comments on the problem that the law creates for contractors and other employers in terms of responsbility for workers compensation coverage. [more]

Are You a Good Risk?
Organizations must present an attractive risk to underwriters or run the risk of being forced into assigned-risk pools. In this article, (The Journal of Workers Compensation, Fall 2004) Jon Coppelman presents an overview of the conventional under-writing process and its various components, including a discussion of the limitations of the proc-ess. He suggests a variety specific situations - organizational expansions, the aging of the work force, and downsizing - where the paper process may fall short, and offers guidelines for defining a "good risk."  [more]

Good Grief! Does Our Future Lie in California?
This article by Thomas Lynch (The Journal of Workers Compensation, Winter 2004) examines the pre-reform California workers compensation dilemma. It presents an overview of the historic underpinnings of the workers compensation system, identifies some of the forces that led to system breakdown, and suggests that the answer to the problems - for employers in California and elsewhere - lies not in the legislatures or the courts but in the workplace.  [more

Best Practices for Workers Compensation
Learn new tips, tools, and practices that will help you to manage your workers compensation program. We’ve compiled some of the most important topics from the archive of our weblog, the Workers Comp Insider. Topics range from performance measurement to prevention – we add new features monthly. [more]

Down The Rabbit Hole
Attorney General Tom Reilly has parachuted himself and his office smack-dab into the middle of the Massachusetts workers' compensation rate filing debate. In doing so, he threatens to pull the entire system headfirst down the rabbit hole, right behind Alice and the March Hare.[more]

Where the Rubber Meets the Road: Risk Management for Employees Who Drive
When employers hire drivers, they routinely check driving records. That's just common sense. But when the same employers hire craftsmen, salesmen, technicians, attorneys, accountants, and others who have to drive to carry out their jobs, the screening focuses exclusively on the technical skills needed to perform the work.[more]

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