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Claims

The roles of workers' compensation claims, medical, rehab and legal professionals feature image
Who's calling me? The roles of workers' compensation claims, medical, rehab and legal professionals

While claims representatives are injured workers’ primary contact, they might also hear from medical, rehabilitation or legal professionals.

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.

Video: Claims representatives talk about their role

Claims representatives talk about how they help injured workers recover and return to work in a new SFM recruiting video.

Woman filing, an example of a light-duty job
Free return-to-work resource provides ideas for light-duty jobs

When injured workers have medical restrictions, it’s sometimes tough to find transitional jobs. That's why SFM created a free listing of ideas, broken down by industry.

Businessman traveling overseas
Are employees working overseas covered by work comp?

Employees who are working overseas temporarily are generally covered by their employers' domestic workers' compensation policies.

Woman holding prescription pills
How opioid painkiller use can impact a workers' compensation claim

Taking opioid painkillers long term, or in high doses can have a major impact on an injured worker’s recovery and return to work.

Maintain good relationships with injured employees
Prevent litigation, stay in contact with injured employees

Many litigated workers’ compensation cases could have been avoided if the employer had taken the time to show concern for the employee’s welfare during the early stages of the claim.

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.

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.

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.

Flags from many nations sitting on a computer keyboard
Workplace safety and claims resources for employees with limited English proficiency

SFM offers a number of resources to help keep employees with limited English proficiency safe, and assist if they are injured.

Paying for medical treatment
Can employers pay small medical bills without submitting them to their workers’ compensation insurer?

Choosing to pay a workers' compensation medical bill yourself can create a ripple effect of future problems.

Why watching prescriptions closely is so important
Why watching prescriptions closely is so important

SFM works hard to make sure injured workers’ medications are managed well, and as part of that effort, SFM began partnering with a new pharmacy benefits manager, myMatrixx.

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.

Compute screen with word "investigations" on it
What you need to know about workers’ compensation fraud

Although workers’ compensation fraud rarely happens, it can cause serious and costly problems for employers when it does.

Woman looking at injury report on computer
Avoid common mistakes when reporting work injuries

Fast, accurate injury reporting can reduce frustration for everyone involved. Watch out for these common mistakes.

Are infectious diseases acquired at work eligible for workers’ compensation feature image
Are infectious diseases acquired at work eligible for workers’ compensation?

Infectious diseases and workers’ compensation: Legal and practical considerations if employees are exposed to the flu or other viruses at work

Accident investigation form
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 burdens of work injuries you might not see

Following a work injury, depression is a real risk. Here are a few ways employers can help provide some relief.

Saving money in a piggy bank
Nine expert tips that can lower your workers’ compensation costs

Employers have some control over workers’ compensation premiums. Here are our best tips for controlling your losses, and as a result, your premiums.

Man sitting at a desk talking on a phone
Claim adjusters’ best tips to avoid workers’ comp missteps

SFM’s claims representatives share their top tips for employers when dealing with workers’ compensation claims.

Bandaged elbow
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.

three construction workers
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.

Waiting periods calendar
Waiting periods: What to watch for

Bringing injured employees back to work before your state’s waiting period ends is one of the most important things you can do to control future premiums.

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