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Claims

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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