It isn’t easy being a risk manager in the middle of one of the worst economic downturns since The Great Depression, particularly if you are trying to control workers’ compensation costs.

With massive layoffs come smaller staffs doing more work, often handling jobs they are not accustomed to doing. Those fearful of being laid off might be tempted to either work through an injury or file a claim for a non-work-related ailment to assure medical care and an income should they lose their job.

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