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Resource Catalog for self-insured policyholders of SFM
General workers' compensation
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Basic guide
Basic return-to-work policy - CompTalk
2 pages
For MN, WI and SD
SFM encourages each employer to demonstrate its commitment to return-to-work by putting a basic program in writing. This walks you through the four steps. See also the sample program below.
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Basic guide
Educating your supervisors - CompTalk
6 pages
For MN only
Educate your supervisors to help them become ambassadors of your safety culture. Explains how to raise their level of understanding so they help prevent injuries and get injured workers back to work.
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Basic guide
Minnesota Department of Labor and Industry - CompTalk
UPDATED
4 pages
For MN only
Better understand the functions of Minnesota's Department of Labor and Industry, the governing body of workers' compensation in Minnesota.
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Basic guide
Return-to-work program - sample
UPDATED
1 page
For MN, IA, NE, SD and WI
Use this sample to help you write a return-to-work program for your organization. Download as a WORD document. See also "Basic return-to-work policy" above.
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Benefits
Beyond workers' compensation - CompTalk
UPDATED
4 pages
For MN only
Work comp is not always the only source of benefits for injured employees. Other sources, such as Social Security or auto insurance, may come into play. Learn how and when they may affect a work comp claim.
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Benefits
Understanding benefits - CompTalk
UPDATED
2 pages
For MN only
Explains the benefits injured employees are eligible to receive under Minnesota law.
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'Bottom line'
E-mods - CompTalk
5 pages
For MN, WI and SD
Is your organization's work comp 'temperature' too high? By bringing it down, you reduce your workers' compensation premium. Here's a two-part approach.
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'Bottom line'
The premium audit - CompTalk
UPDATED
2 pages
For MN, IA, NE, SD and WI
Prepare for your organization's annual premium audit. A checklist of items needed is included as well as a list of frequently asked questions.
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'Bottom line'
Understanding your premium - CompTalk
UPDATED
4 pages
For MN only
You control your premium more than you may realize. This explains where to look.
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Coverage
Employers required to provide workers' compensation coverage - Legal Advisory
UPDATED
3 pages
For MN only
Explains the exceptions to Minnesota's requirement that employers insure for workers' compensation.
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Coverage
Injuries occurring in other states - Legal Advisory
UPDATED
2 pages
For MN only
Explains the workers' compensation benefits an employee is eligible for under Minnesota law if he or she is injured outside Minnesota.
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Coverage
Small business owner exemptions - Legal Advisory
2 pages
For MN only
Certain "owners" and their close relatives who work in family businesses are exempt from the Minnesota Workers' Compensation Act.
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Employment
Alcohol and drug testing of employees and job applicants - Legal Advisory
UPDATED
4 pages
For MN only
Legal guidance on an employer's right to require testing, testing standards, an employer's right to discipline, confidentiality and how the Americans with Disabilities Act (ADA) comes into play.
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Employment
Americans with Disabilities Act (ADA) - Legal Advisory
3 pages
For MN, WI and SD
Learn about the federal Americans with Disabilities Act ("ADA"), which helps protect the disabled from discrimination including those with work comp injuries.
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Employment
Department of Homeland Security I-9 Handbook for Employers
13 pages (abridged)
All states
Would you be able to spot a fake employment eligibility document? Its easy to be fooled, especially with todays sophisticated technology. Use this abridged manual to help identify real documents versus fake documents. See the Department of Homeland Security's website for the full manual.
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Employment
Employee handbook policy - CompTalk
2 pages
For MN, WI and SD
Tips on developing a written workers' compensation policy for your employee handbook. Includes sample language.
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Employment
Family and Medical Leave Act (FMLA) in the workers' compensation setting - Legal Advisory
4 pages
For MN, WI and SD
Like the ADA, the FMLA may provide additional protection to an employee with a work-related injury. Employers should be familiar with their responsibilities under the FMLA when making employment decisions that involve workers' compensation claimants.
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Employment
Hiring minor employees - Legal Advisory
UPDATED
3 pages
For MN only
A review of fair labor standards and workers' compensation laws applicable to employees under the age of 18.
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Employment
Hiring people from other countries - CompTalk
6 pages
For MN, WI and SD
Explains best practices to head-off costly injuries when you and your employees don't speak the same language.
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Employment
Physical impairments, false representations on job applications - Legal Advisory
UPDATED
2 pages
For MN only
An employee's false representation as to his physical condition at the time of hire may preclude a later award of workers' compensation benefits. However, limitations to this defense apply.
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Employment
Pre-employment physical examinations - Legal Advisory
UPDATED
2 pages
For MN only
Helps you develop a pre-employment physical examination program to determine whether prospective employees are physically capable of performing the jobs they seek.
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Employment
Sample cell phone policy - CompTalk
NEW
1 page
For MN, WI and SD
This model policy relates to the use of cell phones and PDAs while operating a personal or company-provided vehicle while performing work duties. You may draw language or ideas from this in developing your organization's employee policy.
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Employment
Screening job applicants for prior workers' compensation claims - Legal Advisory
UPDATED
1 page
For MN, IA, NE, SD and WI
Walks through legalities of asking job applicants about prior workers' compensation claims.
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Employment
Undocumented worker packet
37 pages
For MN, WI and SD
Hiring undocumented workers has far-reaching implications for your organization, including costly workers' compensation claims if an injury occurs. This packet outlines why these claims are so costly, what you can do to mitigate the costs, how to verify employment eligibility for your employees and SFM resources available if you find yourself in this situation.
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Employment
Volunteers in the workplace - Legal Advisory
2 pages
For MN only
Learn the differences between an "employee" and a "volunteer," why a volunteer is not eligible for workers' compensation benefits, and the state's exceptions to that rule.
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Subcontracting
Hiring subcontractors - CompTalk includes Determination of independent contractor status form
3 pages
For MN only
Explains what you need to do when hiring subcontractors, so that you don't become liable for their employees' work injuries. Includes the form you should complete and keep in a file.
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Subcontracting
Special liability of general contractors - Legal Advisory
2 pages
For MN only
Explains potential workers' compensation liabilities for general contractors working with independent contractors. A must-read for anyone who subcontracts work.
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