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Claims

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.

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.

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.

Four things you need to do after an employee is injured

Help prevent future workplace injuries, get the employee on the road to recovery and ensure a smooth claim process with these four post-injury tips.

A manager talking to an employee on a warehouse floor
Why you have to stay vigilant on work injuries

Ideally, your employees will let you know if they are injured, but what if they don’t? You might still be legally required to report.

What happens when you choose the SFM Work Injury Hotline nurse option?

Reporting injuries through the SFM Work Injury Hotline provides injured employees the opportunity to speak with a nurse and get a treatment recommendation. Here's what to expect when you call.

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