Blog
Plain-English posts on your experience mod, class codes, premium audit and recovery-at-work, from Kevin Ring, CWCA, MWCA, Lead Workers' Compensation Analyst at IWCP.
Three Things That Stall an Injured Employee's Recovery
Weak recovery-at-work plans, fear that leads to a lawyer, and the mental side of injury stall claims. Learn how to spot each one and what to do about it.
The First Hour After a Workplace Injury Sets the Claim Cost
Where an injured employee goes first shapes how long they stay out and what the claim costs. Choose your clinic and train supervisors before an injury.
The Valuation Date: The Day Your Next Mod Gets Locked In
Your policy is valued 18 months after it begins, and that data sets your next mod. Learn what the valuation date is and how to review your claims before it.
How Your Class Code Sets Your Workers' Comp Premium
Your class code sets the rate on every dollar of payroll. Learn how to check it, why a cheaper code can backfire, and what a wrong one costs.
Your Experience Mod Is Not a Safety Score
Your experience mod prices your premium. It does not grade your safety. Learn what a mod really measures, what it misses, and the numbers to use instead.
Why Claim Frequency Drives Your Experience Mod
Ten small claims can hurt your experience mod more than one large claim. Learn how primary losses, the split point and the 70% medical-only rule work.
How to Read Your Workers' Comp Loss Run and Find Lost Money
Your loss run shows where your claims money went. Learn what to check, which numbers to watch, and how to spot closed claims still shown as open.
Workers' Comp Premium Audit Mistakes That Cost Employers Money
75% of premium audits are incorrect. Learn the class code, payroll and subcontractor mistakes that inflate your bill, and how to get an audit corrected.
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