Workers' Comp

Most of us deal with sick and injured workers on a daily basis. At some point, daily tasks and deadlines take over and empathy takes a backseat.

What started out as some hail damage to an insured's roof now continues to be drawn out in court for the homeowner.

According to a recent South Carolina Supreme Court ruling, the dancer was an employee of the gentlemens club where she danced and entitled to workers comp after she was injured in a shooting at the club.

It's still too early to tell whether federal health insurance reforms are having any significant impact on workers' compensation costs. But it's fair to say that so far, some of the worst-case scenarios raised as the Affordable Care Act went into effect have not yet come to pass.

The Workers Compensation system in place today has not dramatically changed since it was created more than 100 years ago. State legislatures spend inordinate amounts of time chipping away at one edge of a program while patching up another. In the end, one interest group wins and another loses, but...

The premium savings will vary based on the employers risk classification, claims experience and other factors.