Last week, we went over the first half of costly return-to-work mistakes. Again, a return-to-work program is designed to benefit your company by getting injured employees back to work as soon as possible and keeping your Massachusetts workers compensation premium as low as possible. However, these simple mistakes may end up costing you! Here are another five mistakes you should avoid: #1: Employers do not differentiate “light duty” from “transitional work” from “reasonable accommodation”. It is important for the injured employee to ease their way back into the swing of things. If employers ignore this, the employee will most likely … Continue reading Costly Return-to-Work Mistakes, Part 2

Has your business considered implementing a Return-to-Work program? While one of the many benefits includes a lower Massachusetts workers compensation premium, employers still find it hard to see the benefits of RTW. However, between the recession, the changes in the ADA Amendments Act (ADAAA) and changes in the Family and Medical Leave Act (FMLA), RTW may be a saving grace for employers! Since many employers find it hard to recognize the benefits of RTW, they often make 10 common mistakes. Allow us to share the first five with you, in hopes that you will avoid them as best as you … Continue reading Costly Return-to-Work Mistakes, Part 1

With so many different types of businesses in the world, it may not always be easy pinpointing what type of coverage you will need. This is especially true when it comes to a Massachusetts workers compensation policy. There are different rules in place for different types of businesses. Here is an example of three different business entities and how they may be treated for workers compensation in MA: Sole Proprietor: Sole proprietors of an unincorporated business are not required to carry workers compensation insurance for themselves. However, the laws changed in 2002, allowing sole proprietors to choose whether or not … Continue reading What are the Massachusetts Workers Compensation Rules Related to Different Businesses?

As your reliable Massachusetts workers compensation insurance provider, we want to see you pay the lowest premium possible. With that being said, we believe it is important to discuss minimum mods and why they are important to your business. All workers compensation policies have an experience modification factor associated with them. Sometimes, this factor is a credit while other times it can be a debit. It is important to know that credits reduce premium while debits increase insurance premiums. All businesses should have the same goal in mind: to keep the premium low. However, sometimes claims are made and this … Continue reading The Importance of the Minimum Mod and How to Calculate It