Weeks & Associates Insurance Services’ Post

Did you know that even if you’re at fault for your workplace injury, you may still be eligible for workers’ compensation benefits? In most states, the workers’ comp system is “no-fault,” meaning you don’t have to prove negligence or sue your employer to qualify. However, there are exceptions. Injuries caused by intoxication or willful misconduct might not be covered. Additionally, insurance companies often delay or deny claims, questioning whether an injury is truly work-related or claiming other excuses. If your claim is being challenged, our firm is here to help. Let us fight for the benefits you deserve — give us a call today.

Are you on Workers’ Comp? 🚧 There are crucial rules you need to follow to avoid jeopardizing your benefits. Learn what not to do while on Workers' Comp and protect your claim from being denied. 🔗 Get informed: https://lnkd.in/eUYMW86h Stay on track with your claim! Click the link to understand the common mistakes to avoid while on Workers' Compensation. #WorkersCompensation #WorkersCompTips #ClaimProtection #InsuranceClaims #EmployeeProtection #WorkplaceInjury #RiskManagement #BusinessCompliance #EmployeeRights #InjuryRecovery #ClaimDenied #BusinessInsurance #WorkplaceSafety #InsuranceEssentials #WorkersCompGuide

🚀 Workers' Comp Industry Booming! 💰 Sedgwick valued at $13.2 BILLION 📈 Industry profits soaring: 86% combined ratio 💼 $18B in excess reserves 🏦 But what does this mean for YOU? 🤔 🔍 Dive into our latest blog post to uncover: https://lnkd.in/eEnkjJ_e Sources also include NCCI, PRNEWS, Workers' Compensation Insurance Rating Bureau of California (WCIRB), and AM Best. #WorkersCompensation #InsuranceIndustry #BusinessStrategy

Another tip to reduce workers’ comp costs: Workers’ comp can be a financial drain and a source of constant frustration. But understanding compensability can change the game. Here’s the deal: • Injuries at and due to work are compensable. It’s that simple. • Documents matter. Witness reports and medical records can validate or disqualify a claim. • Be vigilant with pre-existing conditions to avoid fraud and overpayment. Applying these insights could slash your workers’ comp expenses. Remember, you’re in charge, not the insurance industry. The upside? Lower premiums and better resource allocation. “But wait, there’s more”….in my Ron Popeil voice… Most states require reporting and payments before confirming compensability. Manage this using the following strategy: 1. Report immediately to avoid compliance issues. 2. Start payments to prevent penalties. 3. Quickly investigate the claim. 4. Document everything thoroughly. 5. If it’s not compensable, stop payments and retrieve what you can. Listen, if the claim is valid, we want and you should want your employees to get everything they are entitled to. We are simply saying if the claim is not legit, then you have to know how to manage that! We never want our clients being in the dark and never want them to pay more than they have to. When you only pay claims that are legitimate then you end up with happier employees and cheaper premiums—a win-win for all!! Your broker doesn’t know, but John knows! #WorkersCompWisdom #InsuranceInsight #Staffing #PEO

Can We Offer Paid Insurance Benefits to Only Exempt Salaried Employees? Yes, but it’s important to proceed with caution! Employers can offer different benefits to exempt vs. non-exempt employees, but they must ensure it’s done for legitimate business reasons and in compliance with laws like ERISA and the Affordable Care Act. Be sure not to discriminate and consult with legal or HR experts to stay compliant. Tailoring benefits can be a great way to manage costs and retain top talent, but consistency and fairness are key! Want to learn more about this topic? Click to read more! 👇 #EmployeeBenefits #ExemptEmployees #HRCompliance #InsuranceBenefits #HumanResources #WorkplaceBenefits

In our latest blog post, we dive into why some people may perceive the workers' compensation system negatively and explore the real challenges and limitations that often lead to misunderstandings. Join us as we unpack the complexities and highlight the good work being done within the constraints of the system. 📖 Read the full blog post here ⬇ #WorkersCompensation

Workers' Compensation benefits both employers and employees, offering protection and peace of mind. Employers gain by mitigating financial risks associated with workplace injuries, avoiding expensive lawsuits, and maintaining legal compliance. Employees receive essential medical coverage, compensation for lost wages, and access to rehabilitation services, ensuring their financial stability and support during recovery periods. This focus on safety and well-being not only promotes a safer work environment but also contributes to the overall success of a business. For comprehensive coverage and professional advice, choose Normandy Insurance Services. Ensure your business and your team are safeguarded: https://lnkd.in/ezHbyKa #WorkersComp #NormandyInsurance

In this blog post, the MN Chamber of Commerce explores the various advantages that workers' compensation can bring to your business. https://lnkd.in/giirZFHr For more #RedWingMNNews, click here: https://goo.gl/wVSR7V #EconomicDevelopment

Check out these five tips for navigating the complex world of workers' compensation in Minnesota https://lnkd.in/ePmvhpce

Have you had changes in your company’s payroll or to the scope of work for your business? These factors can impact your workers’ comp policy. #NationalInsuranceAwarenessDay is a great time to contact your independent insurance agent to review & discuss these or other changes.