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Claims

Subrogation: When third parties bear responsibility for work injuries

When one of your employees is injured in the course and scope of employment and a negligent third party bears some responsibility, we can sometimes recover a portion or all of the workers’ compensation claim costs from the responsible party through subrogation.

Work injuries 101: Reporting injuries and supporting workers

On-the-job injuries are unanticipated, urgent and unfortunate for everyone involved, but there are best practices you can follow to make a bad situation better for you and your injured employee.

Workers’ compensation waiting periods

What workers' compensation waiting periods are, what they mean for bringing employees back to work and how they differ between states.

Why early return-to-work benefits your employees and bottom line

Strong return-to-work programs lead to better outcomes for injured workers and can help control workers’ compensation premium costs for employers.

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.

COVID-19 brings new challenges for those with opioid use disorder

According to the American Medical Association (AMA), more than 40 states have reported increases in opioid-related mortality since the onset of the coronavirus pandemic.

Do you have a plan for investigating work injuries?

You hope a work injury doesn’t occur, but if one does, use this four-point accident analysis plan to investigate.

The value in reporting minor work injuries

Reporting minor injuries helps create a record in case the injury becomes more severe. Incident-only claims won’t affect your premium.

Opioids and workers' compensation: Why employers should care

Opioid painkiller misuse not only threatens the general wellbeing of employees, but can create on-the-job safety risks and inhibit recovery and return-to-work.

Streamlined phone reporting option available

In response to feedback from employers and workers, we’re offering a new option when you call the SFM Work Injury Hotline to report injuries.

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