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Claims

Stressed woman looking down with head in hands
Keeping problem employees on staff can increase workers’ compensation costs

Dealing with employee performance problems can be much more challenging if that employee claims a work injury. To avoid this, address performance issues right away.

Woman laying on a couch as a man with a clipboard listens
When is PTSD covered by workers’ compensation?

For PTSD to be covered by workers’ compensation, it must meet the criteria as described in the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders, and be diagnosed by a psychologist or psychiatrist.

What employers need to know about concussions feature image
What employers need to know about concussions

Because the duration, symptoms, diagnostic testing and treatment in each case are so varied, concussions can be very complex and costly to treat.

A construction worker grabbing his back in pain
Alternatives to opioids for treating chronic pain

The medical community is identifying alternative ways to help individuals with chronic pain such as exercise, acupuncture and virtual reality.

Woman with cast on arm and holding x-rays
Hidden costs of work injuries

Few employers realize just how costly a work injury can be until they experience one at their organization. That’s because there are so many hidden costs of work injuries that aren’t covered by workers’ compensation benefits, such as lost productivity, overtime costs, and impacts on the injured worker and their family.

Doctor talking with patient
Why employers should get to know medical providers

Building relationships with the local doctors most likely to treat your injured workers lays the groundwork for teamwork between you, the physician and your insurer.

Person pouring opioids into hand from prescription bottle
New studies on opioids show ineffectiveness, high cost

Recent studies have shown that opioids are less effective than common painkillers and delay return to work. SFM has been working since 2014 to reduce long-term use of opioids by injured workers.

Two workers calculating an experience modification rate
How your workers’ compensation e-mod is calculated

Your e-mod is used to calculate your workers’ compensation premium that’s based on your workers’ compensation claims experience.

A woman stands outside with her son hanging his arms over her shoulders. Both look sad.
Assistance program offers holistic help for injured workers

The Injured Worker and Family Assistance Program generally provides the same services as a traditional employee assistance program and is available to injured workers as well as their household members and dependents.

Man looking at smashed front end and car
Does workers’ compensation insurance cover injuries from car accidents?

In some cases, automobile accidents are covered by workers’ compensation. Here’s what to if you’re involved in a work-related car accident.

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