Podcasts about workers comp

Late-reported workers' compensation claims cost 45% more than those reported promptly – a startling statistic that reveals how critical timing can be when managing your company's experience modification factor. This hidden multiplier determines whether your business pays more or less for workers' comp insurance and, for contractors especially, can determine whether you qualify for jobs at all.Jeremy Morrison, Director of Underwriting at Berkeley Industrial with 20 years in workers' compensation, breaks down the complex world of E-mods with refreshing clarity. He explains how the classification system uses three years of historical data to compare your company's performance against similar businesses in your industry. The resulting math produces a multiplier that can significantly impact your bottom line – particularly as your business grows.We tackle common misconceptions about claims management, including why paying medical-only claims out-of-pocket often backfires financially. Jeremy explains how these claims are heavily discounted in the E-mod calculation and why prompt reporting nearly always saves money in the long run. We also explore why the system penalizes frequency more than severity, capping the impact of any single large claim on your rating.Perhaps most valuable is our discussion about partnership. The strongest workers' comp programs emerge when claims adjusters, underwriters, risk management specialists, and business owners communicate openly about goals and challenges. When everyone understands how their role impacts the others, better outcomes naturally follow. For workers' compensation success, we truly believe that teamwork makes the dream work.Think differently, care deeply, and discover how proper claims handling can transform your experience modification factor from a mysterious penalty into a competitive advantage. Subscribe, leave a review, and join us every two weeks for more insights that help you protect what matters.Season 9 is brought to you by Berkley Industrial Comp. This episode is hosted by Greg Hamlin.Visit the Berkley Industrial Comp blog for more!Got questions? Send them to marketing@berkleyindustrial.comFor music inquiries, contact Cameron Runyan at camrunyan9@gmail.com

Send us a textMelissa Steger returns to walk us through the building blocks of the unique Texas UT System workers' compensation program. While the program is self-insured, they use a third-party administrator (TPA) in a hybrid system where the TPA staff sit on-site with the UT System staff who oversee the program. Covering 160,000 employees and over 250,000 students, UT System uses a variable rating system and has set up a culture where the individual institutions within the system compete against one another to achieve superior outcomes. The results? Truly innovative and remarkable. During Melissa's tenure with the WC program, and through a system of healthy competition, they initially saw program costs of eighty cents per $100 dollars of payroll. When Melissa retired last year, it had fallen to 8.5 cents per $100 dollars of payroll. How did this happen? Melissa talks about some of the nuances of their program including an annual retreat, where the hybrid staff come together to improve communications, get focused on core program goals and learn how they could continuously improve their results. Join us as we talk to Melissa and learn how UT System achieved such amazing results.Melissa also talks about flunking out of retirement. She is now VP of Business Development at WorkCompCollege.com ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Send us a textIn this episode, Yvonne Guibert catches up with Nelson Gonzalez, Executive Director - Florida, Rehab Without Walls® NeuroSolutions, and they talk about Return to Work. In the workers' compensation system, a return-to-work (RTW) policy or program helps injured or ill employees safely and efficiently return to work. The goal or purpose is to minimize downtime, reduce costs, and maintain employee skills and productivity. Join the conversation to hear Nelson's perspective on why RTW programs are so essential, why some RTW programs fall short, what a good RTW program should include, and more. Companies and resources mentioned during this episode include: Rehab Without Walls® - https://www.rehabwithoutwalls.com/ReEmployability - https://www.reemployability.com/Bag of Happies - https://bagofhappies.com/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Dive into Episode #145 of the Psych Health and Safety USA Podcast, featuring host Dr. I. David Daniels, PhD, CSD, VPS, and special guest Louise Esola, a workers' compensation-focused journalist with Business Insurance, a role she has held for nearly 20 years. Psychological injuries are often more challenging to quantify than physical injuries, and the compensation awarded can depend on factors such as the severity of the condition, its impact on the employee's ability to perform their job, and the evidence provided to support the claim. Workers' compensation is handled differently in every state in the United States and even within the same state when it comes to psychological injuries. Ms. Esola will share her perspective on this important topic, which she has gained from the many worker's compensation stories and cases that she has covered over the years.

Send us a textOn this insightful episode of The Plant Movement Podcast, we sit down with Mr. Bob, a pioneering entrepreneur who built his career selling workers' compensation insurance to the largest nurseries in Miami-Dade County. Discover how Bob identified a gap in the market and filled it with dedication, expertise, and an unwavering commitment to service.Bob shares his incredible journey from his early days working for a State Farm agent during his summers as a teenager to founding his own successful insurance company. He reveals how his passion for insurance began with his father's friendship with a State Farm agent and how a pivotal decision to join the Air Force Reserve shaped his career path.Tune in to learn how a chance meeting on the golf course introduced Bob to the nursery industry and set the stage for his workers' compensation success story. He reflects on key relationships, including working with industry leaders like Tony Costa, and how timing, opportunity, and networking propelled his business forward.Now in his next chapter after selling his insurance company, Bob continues to share his wisdom, emphasizing the importance of service, integrity, and strategic growth. This episode also touches on the evolution of insurance in the Green Industry, lessons learned from decades of experience, and advice for entrepreneurs looking to build their niche.Don't miss this episode filled with stories of growth, resilience, and community impact!TRMGEmail: bob@trmg.netCall: (305) 281-4151Web: https://www.trmg.netFollow IG: https://www.instagram.com/theplantmovementpodcast The Plant Movement Podcast Email: eddie@theplantmovementnetwork.com & willie@theplantmovementnetwork.comCall: (305) 216-5320 Web: https://www.theplantmovement.comFollow Us: IG: https://www.instagram.com/theplantmovementpodcast A's Ornamental NurseryWE GROW | WE SOURCE | WE DELIVERCall: (305) 216-5320Web: https://www.asornamental.comFollow Us: IG: https://www.instagram.com/asornamentalnurseryThe Nursery GrowersCall: 786-522-4942Email: info@thenurserygrowers.comIG: www.instagram.com/thenurserygrowersweb: www.thenurserygrowers.comPlant Logistics Co.(Delivering Landscape Plant Material Throughout the State of Florida)Call: (305) 912-3098Web: https://www.plantlogisticsco.comFollow Us: IG: https://www.instagram.com/plantlogisticsDirected and Produced by Eddie EVDNT Gonzalez Disclaimer: The contents of this podcast/youtube video are for informational and entertainment purposes only and do not constitute financial, accounting, or legal advice. I can't promise that the information shared on my posts is appropriate for you or anyone else. By listening to this podcast/youtube video, you agree to hold me harmless from any ramifications, financial or otherwise, that occur to you as a result of acting on information found in this podcast/youtube video.Support the show

Rancho Mesa's Alyssa Burley sits down with Sam Clayton, Vice President of the Construction Group to discuss about the workers' compensation rate increases in California.Show Notes: ⁠⁠⁠⁠⁠⁠⁠Subscribe to Rancho Mesa's Newsletter⁠⁠⁠⁠⁠⁠Host: ⁠⁠⁠⁠⁠⁠Alyssa Burley⁠⁠⁠⁠⁠⁠Guest: ⁠⁠⁠⁠⁠⁠Sam Clayton⁠Editor: ⁠⁠Megan Lockhart⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Music: "Home" by JHS Pedals, “Breaking News Intro” by nem0production© Copyright 2025. Rancho Mesa Insurance Services, Inc. All rights reserved.

Send us a textRecently, Yvonne and Rafael attended the 2025 Florida Bar and WCCP Workers' Compensation Forum, April 9-11, in Orlando, Florida. Unfortunately, there was no wi-fi available to do live streaming, which is what we planned to do, but we did talk to several folks and conducted short interviews to capture their excitement and thoughts about the conference. Conference interviews include: Judge David Langham, Florida Deputy Chief Judge of Compensation ClaimsStacy Hossman, Executive Director of WCCPOneill Martinez, FL MediatorYvonne and Rafael take time to catch upHolly Akers, Claimant Attorney - Jacksonville, FLYa'Sheaka Williams, Defense Attorney - Tampa, FLAdam Levy, Defense Attorney - Tampa, FLWe hope you enjoy this "bonus" episode of on-the-spot interviews at one of our top Florida conferences. The conference takes place again in 2026 at the same location at the Omni® ChampionsGate Resort in Orlando, FL, and you can check here for information about that and other events by WCCP: https://www.wccp.org/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

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Send us a textAfter much anticipation since we started this podcast, Stuart Colburn joins us for a special episode focused on Texas! Stuart, a shareholder at Downs & Stanford, P.C., has over 25 years of experience in workers' compensation. He shares his journey into our industry and expertly navigates the evolution of the Texas Workers' Compensation system since the 1980s. Throughout the conversation, he highlights the unique aspects that make Texas' approach distinctly different from those of other states.Stuart is board certified in Workers' Compensation Law by the Texas Board of Legal Specialization and was the founder and first Chair of the State Bar of Texas Workers' Compensation Section. He co-authors the Texas Workers' Compensation Handbook published by LexisNexis and, as a certified lobbyist and frequent Division of Workers' Compensation conference representative, brings valuable policy perspective to the conversation.(Correction: Stuart mentions 2011 as the year Wikipedia and iTunes emerged; however, the correct year is 2001.)NOTE: Stuart shares a slide deck during this episode, which you can see in the video version on our YouTube channel. Resources mentioned in this episode:Texas Workers' Compensation Handbook 2025 EditionTexas Department of Insurance - Workers' Compensation Texas Subsequent Injury FundAmerican Medical Association (AMA) GuidesOfficial Disability Guidelines ODG by MCG National Comp ConferenceStuart Colburn bio¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Today at WKXL and NH Unscripted it's Shaheen & Gordon law day and that brings Jared O'Connor in to talk about his field of expertise: Workers Compensation. And before your eyes roll back into your head consider the following. The Federal Gov't has cannabis listed as a schedule one drug, but, what if you use it medically in your state for say PTSD? Can you be arrested? Can your prescriber or the dispensary be considered as aiding and abetting? Workers Comp has taken on a new challenge and twist with the advent of medical cannabis on the scene. See? Not as boring as you thought, is it?

It's Shaheen & Gordon law day and that brings Jared O'Connor in to talk about his field of expertise: Workers Compensation. And before your eyes roll back into your head consider the following. The Federal Gov't has cannabis listed as a schedule one drug, but, what if you use it medically in your state for say PTSD? Can you be arrested? Can your prescriber or the dispensary be considered as aiding and abetting? Workers Comp has taken on a new challenge and twist with the advent of medical cannabis on the scene. See? Not as boring as you thought, is it?

We continue our conversation with Jason and Kevan about navigating workers comp and resources available to L2881 members. Be sure to go back and listen to part 1! 

Send us a textWe like to have fun with our episode titles when we can, hence "Alphabet Soup." Still, despite the fun name, this is an informative episode, particularly for those newer to the workers' compensation industry. Our guest is Jennifer Wolf, president and CEO of MWCIA in Minneapolis, MN. Jennifer expertly navigates through many of the common terms and acronyms we use. This is certainly not meant to be an exhaustive list of terms, so we have included several links for a more complete list for the nerdy folks like us: California Department of Industrial Relations GlossaryTennessee Department of Labor and Workforce Development Glossary of AcronymsFlorida Senate 440 Statutes Workers' Compensation DefinitionsPie Insurance Workers' Comp 101 GlossaryTexas Department of Insurance Workers' Comp Insurance GlossaryWe hope you enjoy it. If we missed a term or acronym you think should have been included, let us know! We may need to do a "Part 2" on terms and vocabulary! ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Workers comp fraud & the life of a PI. Hour 1 3/14/2025 full 2178 Fri, 14 Mar 2025 19:00:00 +0000 vrCKLZXhiXUbINIoPmxXGLmw6TAhNazw news The Dana & Parks Podcast news Workers comp fraud & the life of a PI. Hour 1 3/14/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.co

Send us a textJoe Paduda joins us to explain the basic framework of our workers' compensation system. In this episode, we discuss why our system is so complicated and some of the key features of several states. While Yvonne tries to keep the conversation focused on basics, Ralph and Joe wander on a few tangents, such as discussing the potential of a federalized workers' compensation system. Joe explains why that is not likely to happen and they explore Medicare and Medicaid components.Whether you are new to workers' comp or are a seasoned industry professional, this is a fun conversation that reviews some basic elements of our system and we introduce a few core concepts and terms such as frequency, severity, medical, indemnity, and administrative expense. Joe tells us what he likes about workers' compensation and it is a key element of why we have such good people in the system and why they work hard to make it better every day. You'll have to find us on YouTube and watch the video of this episode to see the cameo appearance of Joe's dog Oakley!Check out Joe's blog on Substack here: https://joepaduda.substack.com/You can find more information Joe has shared over the years at his original website Health Strategy Associates:https://healthstrategyassoc.com/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Employers, Are You Ready for the New Workers' Comp Law? New York just changed the game—employees can now file for workers' comp due to workplace stress, and other states may follow soon. This could mean more claims, higher insurance premiums, and major HR headaches. So how can you protect your business? In this episode, Rhamy Alejeal breaks down:✅ What this new law means for employers✅ The risks of rising mental health claims✅ How to update your HR policies and insurance NOW✅ Actionable steps to protect your businessBook a FREE 30-minute consultation with Rhamy Alejeal (US businesses with 10+ employees)

On this episode of Legislative Review:  a bill to help make schools safer and legislation regarding industrial workers' compensation.  Plus a bill expanding youth diversion programs for juvenile offenders.

In episode 102 of Work Comp Talk, Carmen breaks down a shocking U.S. Senate report exposing Amazon's high warehouse injury rates, data manipulation, and inadequate care for injured workers. Learn about common injuries, your rights, and how to protect yourself if you work at Amazon.

Send us a textJoin us as we kick off Season 5 with Alex Swedlow, President of CWCI and the "History of Workers' Compensation." Alex Swedlow is the President of the California Workers' Compensation Institute (CWCI). Alex is a previous guest on our podcast and we are so happy to welcome him back with his version of a brief "History of Workers' Compensation." As you will see, he is also a Workers' Compensation "nerd", just like Yvonne and Rafael, and he loves to talk about the history of our system which can be traced back over 4,000 years! Whether you are "tenured" in Workers' Compensation and insurance like the three of us are, or are new to the industry, we encourage you to listen for a quick summary of our endlessly fascinating system and its roots. Check out our new YouTube channel - @DeconstructingComp where we will drop our episodes in video format. For more information about CWCI, please visit https://www.cwci.org/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Join us for a conversation with Kevan Fox from the L2881 Injured Member Liaison (IML) Committee and attorney Jason Wells as we discuss navigating workers comp. 

In episode 101 of Work Comp Talk, host Carmen Ramirez explores the risks associated with forklifts in industries like construction and manufacturing. Forklifts are essential tools, but they also contribute to thousands of injuries and fatalities every year. In California, where construction sites often face uneven terrain, heavy materials, and tight deadlines, the dangers are even more pronounced. Carmen discusses the most common forklift accidents, such as tip-overs, collisions, and falling loads, sharing real-life stories of workplace injuries and what went wrong. She also highlights the growing trend of companies like Tesla and Mercedes-Benz moving away from forklifts in favor of safer alternatives like robotic tuggers and autonomous vehicles. This episode covers: The risks of forklifts in the construction industry Real stories of forklift-related injuries How companies are leveraging innovative technologies for safety The importance of safety protocols and proper forklift operator training If you've been injured in a forklift accident, understanding your rights under California Workers' Compensation law is critical. Carmen provides insights on how Pacific Workers can help you navigate the workers' compensation system, secure compensation, and protect your rights. Key Takeaways: What benefits you're entitled to under California Workers' Compensation How Pacific Workers supports injured workers in construction and beyond Why acting quickly after an injury is essential for protecting your rights Stay informed, stay safe, and learn how to take action if you or someone you know has been injured at work.

Send us a textHere we go with Season 5! We can't believe we are kicking off the fifth season of Deconstructing Comp! Co-hosts Yvonne Guibert and Rafael Gonzalez are back and ready to welcome a new season of conversations with their guests. This year, we are returning to our original idea of breaking down the workers' compensation system into bite-sized digestible nuggets of information. We call it the "Cliff's Notes" approach to understanding workers' compensation. Please join us on our new journey. We think it will be fun for professionals new to the industry and those of us who have been here for a while. Yvonne is committed to keeping episodes to 30-35 minutes! ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

On this episode of Metal on Metal, we sat down with Aaron Wolff. Aaron is the former vocalist for the Mississauga metalcore/mathcore band The End. In this interview, we discuss their landmark record Within Dividia. We also discuss Solitary Sun, Burnt by the Sun, Relapse Records, and rediscovering creative passions. The new music spotlight features "Punisher" by Workers Comp. This episode is brought to you by Pull the Plug Patches and Third Moon Brewery. Use code "metalonmetal" to get free beer shipping to most places in Ontario from Third Moon Brewery at thirdmoonbrewing.com. Links mentioned in this episode: *https://theendband.bandcamp.com/album/within-dividia-20th-anniversary-edition https://solitarysun.bandcamp.com/album/let-it-burn https://youreentitledtoworkerscomp.bandcamp.com/album/ii This podcast is hosted by ZenCast.fm

In this episode, we get to know Evelyn Eury, Director of Program Claims, Occupational Risk/P&C Lead at Crum & Forster—a leading carrier in property and casualty, accident and health, and specialty insurance solutions. Evelyn shares her journey from studying journalism to her current role, where she navigates the intersections of workers' compensation, property & casualty, and other insurance lines.Our conversation covers a variety of topics, including:Saluting Veterans: Recorded on Veteran's Day, we honor Evelyn's husband, Seth, an active-duty US Coast Guard member, and all who have served our country.Cameo by Saint: Evelyn's Weimaraner, Saint, makes a guest appearance.Mentoring the Next Generation: Evelyn discusses mentoring young insurance professionals and inspiring them to pursue careers in risk and insurance.Mom Life: Balancing her career while raising three daughters, along with trends in beauty products and Sephora adventures.This extended episode is a wonderfully organic conversation filled with insights and heartwarming moments. Grab your headphones, your favorite beverage, and join us for an inspiring chat with Evelyn Eury!For listeners who are newer to the industry, here are links to the conferences we mentioned during the episode: CLM (Claims and Litigation Management):https://www.theclm.org/alleventsWorkers' Compensation Institute (WCI) Conference:https://www.wci360.com/National Comp Conference:https://wcconference.com/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Guest Bogdan Savych, a senior policy analyst at the Workers' Compensation Research Institute (WCRI), discusses his new paper, written with David Neumark, entitled “Impact of Attorney Representation on Workers' Compensation Payments.” WCRI studied the impact of attorney representation when it comes to indemnity payments (income replacement benefits) for injured workers in what, on its face, is supposed to be a straightforward Workers' Compensation system. What impact, statistically, does having an attorney represent an injured worker have on payments?  Not surprisingly, Savych's research found that for workers, having an attorney represent them in their claims can result in higher payments, but there is still work to be done. And, as host Alan S. Pierce notes, it's even possible involving an attorney can save the Workers' Comp insurance company money by identifying other parties who are liable for the injury through negligence. But then, what about attorney fees? There are myriad factors to consider, and, as we know, every state is different.  If you're an attorney who represents injured workers in Workers' Compensation claims, or you're otherwise connected to the world of Workers' Comp, consider joining WCRI as a member.   If you have thoughts on Workers' Comp law or an idea for a topic or guest you'd like to hear, contact us at JPierce@ppnlaw.com.  Mentioned in This Episode: “Impact of Attorney Representation on Workers' Compensation Payments,” by Bogdan Savych and David Neumark Free Report: “WCRI Medical Price Index for Workers' Compensation, 16th Edition (MPI-WC)” by Workers' Compensation Research Institute Previously on Workers Comp Matters, “The Attorney's Role in Workers Compensation”

Guest Bogdan Savych, a senior policy analyst at the Workers' Compensation Research Institute (WCRI), discusses his new paper, written with David Neumark, entitled “Impact of Attorney Representation on Workers' Compensation Payments.” WCRI studied the impact of attorney representation when it comes to indemnity payments (income replacement benefits) for injured workers in what, on its face, is supposed to be a straightforward Workers' Compensation system. What impact, statistically, does having an attorney represent an injured worker have on payments?  Not surprisingly, Savych's research found that for workers, having an attorney represent them in their claims can result in higher payments, but there is still work to be done. And, as host Alan S. Pierce notes, it's even possible involving an attorney can save the Workers' Comp insurance company money by identifying other parties who are liable for the injury through negligence. But then, what about attorney fees? There are myriad factors to consider, and, as we know, every state is different.  If you're an attorney who represents injured workers in Workers' Compensation claims, or you're otherwise connected to the world of Workers' Comp, consider joining WCRI as a member.   If you have thoughts on Workers' Comp law or an idea for a topic or guest you'd like to hear, contact us at JPierce@ppnlaw.com.  Mentioned in This Episode: “Impact of Attorney Representation on Workers' Compensation Payments,” by Bogdan Savych and David Neumark Free Report: “WCRI Medical Price Index for Workers' Compensation, 16th Edition (MPI-WC)” by Workers' Compensation Research Institute Previously on Workers Comp Matters, “The Attorney's Role in Workers Compensation” Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Work Comp Talk, the podcast #91 is dedicated to all injured workers in California!

In this episode, you will hear from Jennifer Wolf, President of the Minnesota Workers' Compensation Insurance Association (MWCIA). She talks about what she studied in college, how she found her way into our wonderful industry, and how she loves our workers' compensation ecosystem. We also learn what a rating does and how it contributes to the overall workers' comp system. According to the MWCIA website: "The primary function of MWCIA as a Data Service Organization (DSO) is to produce an annual Ratemaking Report, which is the basis for all workers' compensation rates in Minnesota. Insurers then apply their unique expenses and loss experience to these base rates to create their own independent rates."In addition to her duties at MWCIA, Jennifer is also President of Kids' Chance of America. As you will learn, Jennifer is one of our brightest gems in the WC industry. Smart, funny, and a lover of our industry, she is the real deal.Grab your earphones, and let's go chat with Jennifer! MWCIA - https://www.mwcia.org/Kids Chance of America - https://www.kidschance.org/National Academy of Social Insurance - https://www.nasi.org/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Welcome to Work Comp Talk. In this special 'Best of Work Comp Talk' episode #90, host Carmen highlights top discussions and expert advice on navigating workers' compensation claims in California. This episode highlights the importance of connecting with a dedicated attorney and understanding the role of Qualified Medical Evaluators (QMEs) and Agreed Medical Evaluators (AMEs). The discussion covers navigating claims, settlement strategies, the significance of medical buyouts, and why it's crucial to seek legal counsel. Sponsor:    This episode is sponsored by Pacific Workers, a leading law firm for injured workers. Learn more at pacificworkers.com   Stay Connected:   Don't forget to like, comment, and subscribe for more episodes of Work Comp Talk Podcast. Hit the notification bell to stay updated on our latest content!  

Come along with us as we catch up with two of the brightest leading women in our industry: Marijo Storment and Jenn Ryon. We start, as we usually do at the beginning of our episodes, discovering what Marijo and Jenn studied in school. Then, we chat about what it was like to launch ForzaCare. Next, we take a deep dive to focus on an organization that is near and dear to our hearts: Alliance of Women in Workers' Compensation (AWWC). Yvonne served as a Florida ambassador to the organization for over four years in Tampa, FL. She still loves to support and advocate for the organization. Rafael has been a long-time supporter of AWWC. We talk about AWWC, the organization's mission, vision and what you can expect if you attend one of their events. We encourage everyone to attend a national event, or a local event if you have an opportunity. Jenn serves as Vice President and Marijo is the Secretary, both serving in prominent positions on the board for AWWC.So grab your headphones and get ready for a jam-packed fun exploration of one of the most influential organizations in our industry! They encourage everyone to leave their logos at the door, and come to their events to learn, network, and grow. For more information about Alliance of Women in Workers' Compensation: https://allianceofwomen.org/To learn more about ForzaCare: https://thinkforza.com/NOTE: since the recording of this episode, Jenn Ryon has transitioned to Prime Health Services. You can learn more about the company here: https://www.primehealthservices.com/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Welcome to Episode #87 part 3 of our 'Work Comp Talk BEST OF' series, sponsored by Pacific Workers, The Lawyers for Injured Workers. In this episode, host Carmen and guest speakers delve into crucial topics surrounding workers' compensation.   Sponsor:     This episode is sponsored by Pacific Workers, the leading law firm for injured workers in all of Northern CA. Check them out at: https://www.pacificworkers.com/   Stay Connected:    This podcast continues to thrive because of the community's support. Please like, comment, and subscribe. Hit the notification bell to stay updated with our latest content!   

WPFW's Labor Day Special; Project 2025 comes after labor; Our theme song contest!; What is a union? Today's labor quote: Tom Perez Today's labor history: Feds get Workers Comp @wpfwdc #1u #unions #LaborRadioPod @AFLCIO Proud founding member of the Labor Radio Podcast Network

We have a special treat for you just in time for a long weekend! Dr. Tyrone Spears, Chief of the Workers' Compensation Division for the City of Los Angeles, is one of the best and brightest in the business. Yvonne and Rafael recently caught up with him for a lively, thought-provoking episode! If you know Tyrone, you know he is a servant leader who continually does good things for others. Find out what he studied in school, what career path he considered, and how he found himself in the workers' compensation industry, an industry he has come to love. Conversations with Tyrone are always fascinating. He is the real deal. So, grab your headphones and settle in for a cozy conversation with Tyrone about leadership, mentorship, diversity, equity, inclusion, doing good for others, and being a good human. We also talked about politics, our 2024 bonus topic, since we talked to him the Monday after Joe Biden announced he was dropping out of the presidential race. Some things we mentioned during the episode include: Dr. Tyrone Spears - books on Amazon.com-The Compassionate Leader-Land The JobHazel's Hands - https://www.hazelshands.com/Tyrone started this charity in his grandmother's name. Hazel's Hands provides resources, services, and leadership to meet the emerging needs of at-risk youth and their families in our communities.  ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

In this episode of Agency Nation Radio, host Nancy Germond, Big “I" executive director of risk management and education, dives deep into the world of workers compensation with Lisa Alea, senior product manager at the National Council on Compensation Insurance (NCCI). The NCCI recently marked its 100th anniversary. During this time, it has supported the insurance industry and workers comp market by offering valuable resources to insurers, agents and businesses, such as the recently launched Learning Center. "Our mission is to help foster a healthy workers compensation system and our Learning Center is a key resource for agents to stay informed and equipped," Alea said. Alea also touched on the current state of the workers comp market, noting that "we're seeing a shift towards more tailored solutions as employers face new challenges in managing workplace safety and compliance,” she said. “It's more important than ever for agents to stay updated and leverage the latest tools to address these evolving needs." Tune in to discover how to navigate the complexities of workers comp, enhance your niche marketing strategies, and better serve your clients in today's market. Whether you're a seasoned professional or new to the industry, this episode offers practical advice and insights to help you succeed. Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success, and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we've got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit https://www.iamagazine.com/podcasts. Lisa Alea https://www.linkedin.com/in/lisa-alea-4459a614/

Everything you always wanted in 62 minutes of sub-underground rocknroll music from the last six decades - and less. New material from GUIDING LIGHT, FEELING FIGURES, S.M.E.F, WORKERS COMP, THE GABYS, STEFAN CHRISTENSEN, BILDERS, GEE TEE and THE SUTROS too - plus old hits and favorites from The Fall, Smexmec, Peer Group, The Penetrators, Mole House, Giant Sand and more. Track listing:GUIDING LIGHT - Sterb DochS.M.E.F. - PsycowcasisPEER GROUP - Iconoclast YouthTHE CHICKENS - ArtingSMEXMEC - La SangaTHE FALL - Choc-StockGEE TEE - Choppa City SpecialTHE PENETRATORS - #1 Band In TownFEELING FIGURES - Co-operatorTHE GABYS - Colour Me OutANNA SAVAGE - Saturn AgainMOLE HOUSE - Come AroundWORKERS COMP - Lemon KitSTEFAN CHRISTENSEN - 84 DaysBILDERS - Trip SlugGIANT SAND - Center of the UniverseTHE SUTROS - Disguised Blood RushPISCES - Dear One

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews Raji H. Chadarevian, Executive Director, Actuarial Research , the National Council of Compensation Insurance, or NCCI, about opioid use and related risks for injured workers. Raji and Justin talk about the statistics. The good news is that through the joint efforts of insurers, the NCCI, prescribing physicians, pharmacies, and employers, the utilization of opioids for pain management in injured workers, while appropriate in some cases, has decreased sharply in the last eight years, and continuing efforts to find alternative pain management systems should keep that trend going.   Listen in for more information about recovery awareness, and what your company can do to help injured workers avoid opioid addiction. Key Takeaways: [:01] About RIMS. [:14] RISKWORLD 2025 will take place in Chicago, Illinois from May 4th through May 7th. The call for submissions is now open through August 27th. A link to the submission form is in this episode's show notes. [:30] Virtual Workshops! Applying and Integrating ERM is back and it will be hosted by Elise Farnham on September 25th and 25th and also on December 4th and 5th. [:56] On August 29th, Pat Saporito returns to discuss Optimizing Risk Management with Artificial Intelligence. [1:05] On October 9th and 10th, Chris Hansen returns to deliver Fundamentals of Insurance. Other dates for the Fall and the Winter are available on the virtual workshops calendar at RIMS.org/virtualworkshops. [1:24] RIMS-CRMP Prep Courses! On September 10th and 11th, the RIMS-CRMP Exam Prep will be held with NAIT. There is another RIMS-CRMP Exam Prep on September 12th and 13th. [1:38] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:53] Events! We've got the DFW RIMS 2024 Fall Conference and Spa Event happening on September 19th in Irving, Texas. Learn more about that event in Episode 299, which features an interview with the Texas State Office of Risk Management. [2:11] Also on September 19th is the RIMS Chicago Chapter's Chicagoland Risk Forum 2024. Register at ChicagolandRiskForum.org. [2:21] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. [2:33] Registration is also open for the RIMS Western Regional, which will be held from September 29th through October 1st at the Sun River Resort in Oregon. Register at RIMSWesternRegional.com. [2:48] We want you to join us in Boston on November 18th and 19th for the RIMS ERM Conference 2024. The agenda is live. The keynote will be announced soon. We want to see you there! A link is in this episode's show notes. [3:04] The nominations are now open for the RIMS ERM Award of Distinction 2024. Nominations are due August 30th. A link to the nomination form is in this episode's show notes. [3:16] If you or someone you know manages an ERM program that delivers the goods, we want to hear about it. A link is in this episode's show notes. All RIMS regional conference information can be found on the Events page at RIMS.org. [3:32] The Interview! With National Recovery Month in September, and National Opioid Awareness Day, September 21st, I wanted to shine a light on opioid addiction and Workers' Compensation claims with new data about opioid abuse and how it impacts the workplace. [4:05] This is a critical risk and I wanted to speak with someone who can tell the story about the data, so I reached out to Raji Chadarevian, the Executive Director for Actuarial Research  at the National Council of Compensation Insurance, or NCCI. [4:24] He has the insight and perspective on the new data that's being released, so let's hear all about it! Raji Chadarevian, welcome to RIMScast! [5:03] Raji states that the NCCI celebrated its 100th anniversary in 2023. The mission of NCCI is to help foster a healthy workers' compensation system. It's an advisory agency for 38 states and the District of Columbia, serving as a comprehensive source for all things workers' comp. [5:47] Raji explains that as an advisory organization, the NCCI provides ratings and statistical advisory insights to the industry, as a whole. It also collects a variety of data. [6:05] Raji is the Executive Director of Research at NCCI. He tells the story behind the numbers. The brainiacs do the research and help him tell the story. [6:47] NCCI collects data representing $30 million in workers' comp premium for just under four million policies a year, six million employer risk reports with detailed information about premiums, claims, and 10 million transactions with detailed information on lost-time claims. [7:17] NCCI collects data on 52 million payments to medical providers for claims every year. The Medical Data Call, where NCCI collects this information, started in 2010. It contains meaningful information to understand the experience of the injured worker throughout the recovery process. [8:01] Mapping the medical data, NCCI gets to understand the medical services provided, where they are provided, by what provider, and for what purpose. The data provides details of drugs prescribed and where they are dispensed, to understand the use of opioids in workers' comp. [8:41] Managing pain is a big part of the recovery for workers' comp injuries. Over the years, NCCI has published opioid use for some 40 states where it collects medical data. This data details precise utilization trends, the types of narcotics used, and the frequency of use. [9:18] The data shows carriers that cover workers' comp for employers are able to compare their experience in any one jurisdiction to statewide trends and act on that intelligence to manage their pharmacy experience. [9:45] In the last eight years, there has been a huge change in opioid prescribing in workers' comp. We've seen a significant decrease. The NCCI data shows that in the last eight years, opioid use in the year after an injury has decreased from 42% of lost time claims to 16%. [11:14] Raji notes this is a very important trend. Being addicted to pain medications makes it hard to manage your daily work when that addiction is taking hold. Opioid use is not opioid addiction. Opioid utilization can lead to opioid addiction. [11:50] There are alternatives to treating pain that have come through with the greater awareness of opioid addiction. [12:04] It's RIMS plug time! Webinars! On August 27th, Riskonnect returns to discuss How To Successfully Deploy AI in Risk Management. On September 5th, Merrill Herzog debuts on RIMS Webinars with the Role of Insurance in Building Resilience Against an Active Assailant Attack. [12:26] On September 12th, HUB International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [12:41] On September 19th, Origami Risk returns to deliver Leveraging Integrated Risk Management For Strategic Advantage. More RIMS Webinars will be announced soon and added to RIMS.org/Webinars. Register there. Registration is always complimentary for RIMS members. [13:00] The RIMS ERM Conference 2024 will be held November 18th and 19th in Boston, Massachusetts. The agenda is live. [13:12] The submission process is open for the RIMS ERM Global Award of Distinction. A link to the application is in this episode's show notes. The deadline for submissions is August 30th. [13:22] So review your organization's ERM program. If you feel it was successful and you have the numbers and the data to back it up, compile that information and get ready to submit your ERM program for the ERM Award of Distinction. [13:37] Back to the Interview! The use of alternative pain medications has driven opioid utilization coming down from 42% of indemnity claims to about 16% of indemnity claims. If you look at all claims, opioid utilization is about one in 16, as opposed to one in four, 10 years ago. [14:12] The huge decrease shows a dramatic change in the way the systems are treating the injured workers, in terms of medications provided. When NCCI first tried to address the opioid epidemic in workers' comp, it held interviews with physicians, carriers, and regulators. [14:50] Workers' comp is a highly regulated system. The regulators had some say in how to manage opioids and other pain prescriptions. There was a meeting of the minds of all stakeholders: those defending the workers, prescribing physicians, carriers, and employers. [15:30] Opioid addiction was an epidemic that impacted the workers' comp system heavily. The conversations with stakeholders led to important insights on what the system can do to manage this experience. [15:57] Each carrier told NCCI they were already developing a specific program to manage the prescribing patterns for injured workers. Regulators were very interested in which opioids were being prescribed. Fentanyl used to be in the top 10 but not anymore. [17:35] The decrease in use was a result of increased awareness across the board, from patients, physicians, claims managers, and employers. Everyone was on board about the seriousness of the opioid situation. [18:11] We have time for one more break! The Spencer Educational Foundation's goal is to help build a talent pipeline of risk management and insurance professionals. That is achieved, in part, by a collaboration with risk management and insurance educators across the U.S. and Canada. [18:28] Whether you want to apply for a grant, participate in the Risk Manager on Campus program, or just learn more about Spencer, visit SpencerEd.org. [18:39] On September 12th, 2024, we look forward to seeing you at the Spencer Funding Their Future Gala at The Cipriani 42nd Street in New York City. Our recent guest from Episode 293, Lilian Vanvieldt-Gray, will be our honoree. [18:55] Lilian is the Executive Vice President and Chief Diversity, Equity, and Inclusion Officer at Alliant Insurance Services and she will be honored for her valuable contributions to supporting the future of risk management and insurance. [19:12] That was a great episode, so after you finish this one, please go back and listen to Episode 293. [19:18] Let's conclude our interview with Raji Chadarevian of the NCCI. Justin notes that the decline in opioid utilization has been observed across all study states and the 10 most common medical conditions. [19:53] The share of claims with high opioid usage in the first year following an injury has decreased by approximately 85%, reaching an all-time low of two percent, for injuries occurring in 2022. Opioid utilization has started to level off.  [20:17] Utilization at the early stages of the injured worker's recovery increases the likelihood of continued use. Managing the early stage of opioid utilization is important. [20:57] Physicians have told NCCI that one of the strategies they use is to draw up a contract between the prescribing physician and the injured worker that describes when the opioid utilization is going to decrease and then stop. That is effective in managing expectations. [21:28] The more opioids you have, the more you want. Having that contract allows the prescribing physician to manage the opioid use over time. That is critical because once a person gets to a certain stage of using opioids, it's very hard to get the person off opioids. [21:57] Some injured workers return to work while using prescribed opioids and some do not. One side effect of opioid addiction is polypharmacy, an increase of medications being taken, and it becomes very difficult to manage from a medical perspective. [22:49] The data has shown that if you're able to manage opioid utilization from the beginning, the injured worker's recovery can be managed in a predicted way. [23:31] Risk managers need to pay great attention to the injured worker where there is opioid use, making sure that injured workers who do get on an opioid have the necessary support from a nurse case manager, along with the physician, looking out for the patient's care. [24:19] Opioid utilization results in an improved condition over time, so it's tricky to manage. Measuring pain is also very difficult. Raji advises risk managers to make sure they have the right physicians and people assisting with those cases where there is an opioid prescribed. [24:52] Pay more attention to those folks. If opioid utilization is not well-managed, the consequences can be dramatic. Besides polypharmacy, often the patient is not able to sleep, able to function or go back to work, which becomes a bigger issue. [25:48] Raji suggests there are multiple ways to make sure your employees are well-educated from a health perspective. Part of wellness is to be educated and understand the impact of opioids, and such. There are programs to supply your employees with that information. [26:26] HR organizations, workers' comp management, loss control management, and insurers have the tools to help your workers and aid in awareness. [27:00] It's also important to know that health organizations have training for physicians about opioid addiction and alternative prescriptions for pain management. This coming year, NCCI is looking at alternative pain management techniques like behavioral therapy, and physical therapy. [27:58] There is also virtual reality treatment that has an impact. The NCCI study will look at what is currently being used to manage pain and what alternative treatments are effective, including cannabis, depending on the state and jurisdiction. [29:07] The use of virtual reality for treating pain is in training the brain to understand the pain messages coming through that may be associated with trauma. The pain from an injury may be associated with the psychological impact of the trauma. Virtual reality may treat that impact. [30:19] Raji says that there are some interesting studies taking place now on treating pain with virtual reality, including one at the University of Central Florida. [30:47] Raji contributed to a series for NCCI on the future of workplace safety technology. Raji found that technology to help with posture and carrying things is important in a warehouse. In workers' comp, there are a lot of lower back injuries that could be avoided with proper posture. [33:33] Justin hopes to see some unveiling of ergonomic wearable tech at RISKWORLD 2025 in Chicago. [33:46] The NCCI has an upcoming podcast later in 2024, the NCCI State of the Line Podcast. Raji looks forward to being a regular guest on the show, “if the podcasters are like you, Justin, making the conversation as good as this.” [35:00] Justin thanks Raji for coming on RIMScast to help raise awareness of National Recovery Month and National Opioid Awareness Day and for helping injured workers get the pain management they need and return to work safely. [35:24] Special thanks again to Raji Chadarevian of the National Council on Compensation Insurance. Lots of NCCI links are in this episode's show notes. Later this year, listen for Raji on the upcoming NCCI State of the Line Podcast. [35:44] It's RIMS plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [36:17] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [37:01] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [37:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [37:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [37:56] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: DFW RIMS 2024 Fall Conference and Spa Event | Sept 19‒20 Chicagoland Risk Forum 2024 — Presented by RIMS Chicago Chapter — Sept. 19, 2024 RIMS Western Regional — Sept 29‒Oct 1, Oregon | Registration is open! RIMS Canada Conference 2024 — Oct. 6‒9 | Registration is open! Spencer Educational Foundation — Funding Their Future Gala 2024 | Sept. 12, 2024 RIMS ERM Conference 2024 will be in Boston, MA Nov. 18‒19 | Register Now RIMS ERM Award of Distinction — Nominations Open Through Aug. 30, 2024! RISKWORLD 2025 will be in Chicago! May 4‒7 RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App Risk Management Monitor: “Prescription Opioid Risks to the Workplace Explored at RISKWORLD 2018”   NCCI.com article links: “Opioid Prescribing Across Industry Groups” “On Opioids — The Doctors' Perspective” “On Opioids — Claims Professionals' Perspective” “On Opioids — Regulators' Perspective”   RIMS Webinars: How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 Role of Insurance in Building Resilience Against an Active Assailant Attack | Sponsored by Merrill Herzog | Sept. 5, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve — Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 Leveraging Integrated Risk Management For Strategic Advantage | Sponsored by Origami Risk | Sept. 19, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Managing Data for ERM | Aug. 22, 2024 Optimizing Risk Management with AI | Aug. 29, 2024 Fundamentals of Insurance | Oct 9‒10, 2024 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Mental Health Awareness Month 2023” “Mental Health in the Workplace with Darcy Gruttadaro”   Sponsored RIMScast Episodes: “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL (New!) “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Raji H. Chadarevian Executive Director, Actuarial Research , of the National Council on Compensation Insurance (NCCI) Tweetables (Edited For Social Media Use): I'm all about telling the story behind the numbers. The research is meaningless if you can't tell that story. My job is to let the brainiacs of NCCI do the research and help me tell the real story behind it all. — Raji Chadarevian   It's a huge decrease in opioid use and it just means that the way the systems are treating the injured workers has changed dramatically, in terms of what medications are provided. — Raji Chadarevian   One of the strategies that physicians use to manage opioid use is to draw up a contract between the prescribing physician and the injured worker that describes when the opioid utilization is going to decrease and then stop. — Raji Chadarevian   Of the future of wearable workplace safety technology, what I would see as important is technology that helps with the posture in a warehouse and how you carry things; the ergonomic aspect. A lot of what we see in workers' comp is back injuries. — Raji Chadarevian    

Join Yvonne and Rafael as they chat with one of their hometown "sheroes" Brenda Cogdell, Director - Risk and Safety Division, Hillsborough County. Brenda shares her enthusiasm for her role at Hillsborough County and for the risk and insurance industry where she has dedicated her career to shaping a culture of caring for the employees she serves. Together we explore her journey from graduating from Tampa's University of South Florida (Go Bulls!) to entering the risk management industry, serving as the risk manager at the City of Manassas, Virginia, then coming back to Hillsborough County where she began. We talk about the culture Brenda is helping to build at Hillsborough County called "Workplace Possibilities!"Learn how Brenda's father's career as a longshoreman shaped her and how it sticks with her still today. She believes team members who get hurt or ill at work ought to be reminded they are still part of a team, or a work family. Brenda Cogdell is the real deal! She happily shares her expertise and encourages young professionals to take advantage of all resources and mentors along their career journey. Some of the organizations we discuss in the episode include: Risk and Insurance Management Society (RIMS) https://www.rims.org/Public Risk Management Association (PRIMA)https://primacentral.org/Thank you for all you do Brenda! We LOVE you! ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

A milestone 220th episode featuring new material from THE SUTROS (pictured), WORKERS COMP, MORDECAI, WATER DAMAGE, the CHEATER SLICKS and THE SPATULAS, plus stuff I ripped off of YouTube; heavy psych, spazzoid punk and more.Track listing:WORKERS COMP - Never Have I EverMORDECAI - Divine SeaVIOLENT CHANGE - Conduction WireTHINKING FELLERS UNION LOCAL 282 - Every DayMOUNTAIN MOVERS - The Other Side of TodayTHE SUTROS - Intelligence MangledSCRATCH ACID - Lay ScreamingCHEATER SLICKS - Rock and RollCRAZY JACK - Drive ShaftTHE PAGANS - I Don't UnderstandMIKE REP & THE QUOTAS - Black Hole ‘78THE SPATULAS - Shedded LifeCAT POWER - Colors and The Kids (live)SYD BARRETT - No Good TryingWATER DAMAGE - Ladybird

Les Shute is the Chief Innovation Officer at Infinity Nurse Case Management. Join us in this episode as we learn more about Les, including what Les studied in school and what he aspired to do in his career. After graduating college as a Marketing Major and with a Minor in Computer Science, Les was recruited into the insurance industry and started as a workers' compensation adjuster! In this episode, we learn that Les grew up with a strong influence in computer programming. He has immersed himself in learning all about artificial intelligence andLes chats with us about OOM, "orders of magnitude," Generative Pre-trained Transformers (GPT), neuro-symbolic AI, and other "mind-bending" scenarios and applications of artificial intelligence. We also discuss how AI may impact carbon-based life forms over the next 5-10 years. Get ready for a fascinating conversation about AI, a recurring topic we have discussed several times this year. As we always say, we love all our guests, but this episode is super fun and thought-provoking.  Learn more about Infinity Nurse Case Management here. Interested in learning more about how artificial intelligence has progressed since the 1940s? Check out this timeline courtesy of Veerloop.io.¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

New discoveries and new releases and heaviness all around. WATER DAMAGE, CHEATER SLICKS, QUIETUS, WORKERS COMP, MONOCOT, BLUES AMBUSH, PUPPET WIPES and that new Thinking Fellers Union Local 282 reissue - and that's just the new stuff. Track listing:THINKING FELLERS UNION LOCAL 282 - Flames UpWORKERS COMP - Pick and ChooseCHEATER SLICKS - I Am LowBENDERS - Can't Tame MeDEATH OF SAMANTHA - Sexual DreamingPUPPET WIPES - Fire PitQUIETUS - Distance is EverywherePRINZHORN DANCE SCHOOL - Lawyers Water JugHALF JAPANESE - Too Bad About ElizabethSIMPLY SAUCER - Here Come The Cyborgs Part 2MONOCOT - The Voice CameBLUES AMBUSH - IfeWATER DAMAGE - Reel EE

Another first for you! We are thrilled to introduce you to Chief David Picone, our first-ever fire chief on our podcast. He is the Fire Department Battalion Chief and Health and Safety Officer with the City of San Diego.  June is PTSD Awareness Month, so we are happy to share our recent interview with Chief Picone.  In this episode, Chief Picone shares his educational background, his desire to be a rock star, his journey as a career firefighter, and how he has grown to be a steward for cultural change with the City of San Diego Fire Department. The success of San Diego's program has attracted attention from fire departments across the nation and even the Tokyo Fire Department, the largest urban fire department in the world, and Chief Picone has been an integral part of the program since 2017. Chief's call to action is for cities and fire departments everywhere to adopt similar changes that have been made in San Diego so that first responders get the care they need when they need it. Key elements to the City of San Diego's success include: commit to building a culture of caring (it takes work!)demonstrate to first responders that you care about them and value their effortsencourage claims professionals to spend time with first responders to better understand the demands of their jobsaccelerate access to careprovide access to skilled and experienced medical professionals who are equipped to handle the needs of first responders, specifically when they come forward with symptoms of PTSDA few points mentioned during this episode with Chief David Picone:Firefighters and police officers are more likely to die by suicide than in the line of dutyFirst responders may experience 200+ traumatic events in their career vs. an average of 5 traumatic events in the average civilian's lifetime1 out of 3 first responders develop PTSDCity of San Diego Fire-Rescue Health and Safety Officehttps://www.sandiego.gov/fire/services/health-safety-officeDrexel University's Fire Service Organizational Culture of Safety (FOCUS) program for fire departments. Learn more here: https://drexel.edu/dornsife/research/centers-programs-projects/FIRST/our-projects/FOCUS/Institutes of Health is the company offering the "Intensive Outpatient Program (IOP)" https://institutesofhealth.org/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Listen to PART 2 as Montlick Injury Attorney highlights where workers' compensation and personal injury cases overlap.The purpose of this show is to provide general information about the law. Our guests will not provide any individualized legal advice. If you have a personal situation and need legal advice, contact us nationwide at 1-800-LAW-NEED for your free legal consultation with a Montlick attorney. Follow us on social @montlicklaw or visit lawyersinthehouse.com for more info, clips and tips.

The complex medical insurance & billing system can not only leave our heads spinning unnecessarily costing us thousands of dollars, it can also cost someone their life when they miss out on life-saving treatments that would have been covered. Nicole Broadhurst BCPA, Founder and CEO of Tennessee Health Advocates helps people Nationwide understand their medical benefits. She reviews every policy from Medicare to VA benefits, marketplace, employers' policies to Workers Comp. Anything healthcare related, Nicole and her team can help you! The best time to call Nicole is: Right now! There has been a new Diagnosis Medical bills are stacking up Open enrollment Starting a new job Anytime you are feeling uncomfortable If you are in an urgent situation, always go get the medical attention you need, she will help you sort through the billing later. Download her FREE checklist from her Website, and connect with Nicole on LinkedIn or just give her a call at 615-581-7655.

¿Por qué el workers comp de tus empleados te excluye a ti como dueño del negocio? Te invito a que escuches este episodio donde te voy a hablar del porqué el workers comp es algo indispensable para tu empresa pero también como le puedes sacar el mayor beneficio. Hablaremos cómo la compensación laboral puede salvaguardar tu negocio y garantizar la tranquilidad de todos, sin embargo no te incluye a ti como dueño de negocio. Aquí te voy a decir lo que nadie te menciona sobre el workers compensation, mostrándote otras alternativas que hay para ti, ya que tu equipo de trabajo está cubierto con este beneficio pero tu no puede quedar por fuera. Bienvenidos Al Grano con Los Negocios. Episodio #188

Learn the similarities and differences between workers' comp and personal injury and  their complexities when they intersect from Montlick Injury Attorney.The purpose of this show is to provide general information about the law. Our guests will not provide any individualized legal advice. If you have a personal situation and need legal advice, contact us nationwide at 1-800-LAW-NEED for your free legal consultation with a Montlick attorney. Follow us on social @montlicklaw or visit lawyersinthehouse.com for more info, clips and tips.

In this episode of The Power Producers Podcast, David Carothers interviews Kevin Ring, Lead Workers' Compensation Analyst at Institute of WorkComp Professionals. Kevin discusses the recent changes made by the NCCI, how these changes impact employers, and how insurance producers can use this knowledge to their advantage. Key Topics: NCCI introduces state-specific split points in experience mod calculation Higher split points are influenced by factors such as attorney involvement, medical costs, and settlement structures Producers should discuss potential mod adjustments with clients Emphasize proficiency in workers' compensation processes State workers' compensation regulations and laws differ; producers should be well-versed in their state's requirements Connect with: Kevin Ring LinkedIn David Carothers LinkedIn Kyle Houck LinkedIn Visit Websites: Institute of WorkComp Professionals Florida Risk Partners The Extra 2 Minutes

When it comes to work ethic, there's nobody we like better–aside from Jesus, of course–than the woman described in Proverbs 31. We don't know her name, but her actions and attitudes are worth studying and imitating…no matter what kind of work you do.A Biblical Work Ethic From Proverbs 31First, a note about Proverbs.  It's part of the “wisdom literature” found in the Old Testament. We refer to Proverbs a lot, since there are many nuggets of financial truth there. Proverbs 31 is the final chapter, and the description of the “woman of noble character” is written as a poem, with each line beginning with a different letter of the Hebrew alphabet.Proverbs 31:10 introduces the “woman of noble character” who is “worth more than rubies”, because she sets the standard for trustworthiness and generosity towards her husband and all those around her.  She's also a top-notch businesswoman.Here are some of the characteristics that make the Proverbs 31 woman such a great example of a biblical work ethic.First, she “works with eager hands”. She has a positive attitude towards work, knowing that diligence can produce many benefits.Next, verse 15 tells us, “She gets up while it is still night; she provides food for her family…” The Bible makes it clear that providing for your family is a primary responsibility. She takes it very seriously.The Proverbs 31 woman is also a careful entrepreneur. In verse 16 “She considers a field and buys it…with the fruit of her hands she plants a vineyard.”  So, part of the biblical work ethic involves expertise – gaining useful skills and using them for the benefit of your family and community.       In verse 17, “She sets about her work vigorously; her arms are strong for her tasks”. Living and working well requires persistence and determination.  You don't reach your goals just sitting around watching YouTube!       Proverbs 31 also offers us a picture of generosity in verse 20: “She opens her arms to the poor”. This woman of character is so successful in her work…that she is able to be generous with her surplus.  Are you working just for yourself, or so you can help others also?   Next, “…she speaks with wisdom…” in verse 26. A person of noble character uses their experience and authority to teach others.  To put it another way, this woman's work ethic is the “water that raises all boats”, because everyone benefits from her industry.     It comes as no surprise in verse 27 that “she does not eat the bread of idleness”.  It's pretty clear that a biblical work ethic means NOT being lazy!Well, that's an impossibly impressive resume, but I think the most important quality of a woman of noble character is that she follows and honors the Lord. Verse 30: “Charm is deceitful, and beauty is vain, but a woman who fears the Lord is to be praised”.  She serves God first, and all her success springs from this priority.The Importance Of RestYou might look at this biblical portrait of a godly worker and wonder how she does it all.  She's running a farm, marketing her products, teaching, mentoring, and taking care of a household at the same time.  I think we have to understand that this is a portrait of virtue at work…not a blueprint for what you have to do next week.Another point I'd like to make here is about “rest”. It might not look like the Proverbs 31 woman got much of that…but her success points to the fact that she did know when to go and when to stop.God does call us to work – for His Kingdom, for our families, and for the community – with the same commitment we see in the Proverbs 31 woman.  We work to pay the bills, to give, to save, and to invest, as she did.  It's part of how God has made us. But work isn't all there is.  We need to rest sometimes, too.Perhaps you find things moving too fast in your life.  Working late nights and weekends might seem necessary, but burning the candle at both ends is ultimately unproductive.  You'll find that exhaustion leaves no energy for the most important things –time with the Lord and relationships with others. You don't have to go full throttle all the time.  But if you are feeling overwhelmed, be comforted by the words of Jesus in Matthew 11:28: “Come to me, all you who are weary and burdened, and I will give you rest.”We can learn a lot from the Proverbs 31 woman about what it means to live with personal and financial integrity. I encourage you to read Proverbs 31 today and consider how you can apply a biblical work ethic to your life and work.On Today's Program, Rob Answers Listener Questions:What are the differences between prepaid cards and credit cards? How does that compare to a secured credit card? I've come into about $20,000 recently and I'm trying to figure out how to best invest it. What are your suggestions? I'm currently on Federal Workers Comp and I'm wondering if I'll be able to draw social security when that time comes if I'm still on Workers Comp. I have a friend who has not paid her taxes for five years. How would that affect her children's inheritance and what steps can she take to kind of get out of that situation?Can I pay off my remaining $125,000 mortgage in 3-7 years by moving it to a home equity line of credit? I was told that I could deposit his paycheck into the HELOC each month, use the HELOC to pay bills, and pay off the mortgage much faster that way.Resources Mentioned:Bankrate.comNerdwallet.comFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of The Power Producers Podcast, David Carothers interviews Kevin Ring,  Lead Workers' Compensation Analyst at Institute of WorkComp Professionals. Kevin discusses the recent changes made by the NCCI, how these changes impact employers, and how insurance producers can use this knowledge to their advantage. Key Topics: NCCI introduces state-specific split points in experience mod calculation Higher split points are influenced by factors such as attorney involvement, medical costs, and settlement structures Producers should discuss potential mod adjustments with clients Emphasize proficiency in workers' compensation processes State workers' compensation regulations and laws differ; producers should be well-versed in their state's requirements Connect with: Kevin Ring LinkedIn David Carothers LinkedIn Kyle Houck LinkedIn Visit Websites: Institute of WorkComp Professionals Florida Risk Partners The Extra 2 Minutes

Ben is one of the owners and founders of Linqqs. Through Linqqs in partnership with ERC Specialists, Brad has been able to help over 200 businesses get over $30 million in ERC funds. Linqqs was created to help businesses get money such as the ERC and retain earnings by saving on things such as Health Management Programs, Health Insurance and Workers Comp.  About Linqqs: Like an extension of your HR team, Linqqs Business Concierge helps you consolidate your employee benefits with one partner so you can connect the services and strategies you need to uncover savings, retain employees, gain efficiencies, and increase profit. In this episode, Brad and Ben discuss how your company could be maximizing its tax benefits. Follow Linqqs @Linqqs Learn more about how this can help you too at https://bradlea.linqqs.com   Watch the full video episode on Brad's Rumble here: https://rumble.com/c/c-2544182  Watch the full video episod