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Claims

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.

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