More attention is being paid to Presenteeism than ever before. If you were to google Presenteeism, you’ll get the long-standing definition: going to work while one is sick. At R&R, we believe that Presenteeism is much more than that. We include anything that could hinder the employee from performing at their very best or maximum capacity. Of» Read Full Article

What we know for a fact:  healthier employees recover more quickly from a work-related injury, and are actually less likely to even be injured. If Healthier Employees = Less Work Comp Injuries and Less Work Comp Claims, then another way of reducing work comp costs is to improve the health of your employees. How does that» Read Full Article

Has your company considered the link between obesity and occupation injury? Journal of Obesity published a recent study by Ian Janssen, et al., which examines this relationship.  A sample of 7,678 adult Canadian workers, were placed into normal weight, overweight, and obese categories based on their BMI body mass index.  Findings show obese workers were more» Read Full Article

Great explanation from CFO.com about rates increasing for 2013 renewals and why now,  more than ever, it’s important to have your “house” in order. CFO.com recent article: Insurance Rate Outlook: From Flat to Soaring describes the current concerns CFOs have regarding their insurance premiums and the tightening restrictions from insurance carriers. Related Articles: 3 Ways to Improve» Read Full Article

Don’t be surprised if your renewal comes through with a significantly reduced dividend or none at all. The insurance market is changing. The soft market and other external financial factors warranted workers compensation carriers to offer large flat dividends to their commercial insureds. Those days are numbered. (See CFO.com September 18, 2012: Insurance Rate Outlook: From» Read Full Article

A lot of business owners concentrate on the dividend portion of a workers compensation insurance policy. Rightly so, it’s a significant refund and can be critical to the bottom line of any business.  What business owners and CFO’s don’t often realize, though is that if you manage your experience MOD first, the dividends will follow. If» Read Full Article

The State of Wisconsin estimates it could save $12 billion dollars if residents “slim down”. With National Health Expenditures continuing to rise, employers profits are being consumed by healthcare costs.  Some estimates are as high as 58% after taxes!  Today, nearly half of all workers compensation claims include loss time or disability rating. In particular,» Read Full Article

Absolutely!  We will say that with CAUTION.  The State of Wisconsin has a rate change date of 10/1/13.  Our in-house Smart Comp program projects and verifies mods on a routine basis.  CAUTION:  With this 10/1/13 rate change, comes changes in the “D” ratio.  The “D” ratio is a factor used to determine the amount of expected losses» Read Full Article

The State of Wisconsin, Office of the Commissioner of Insurance has approved an overall decrease in Workers Compensation rates of 1.36%.  Rates are effective as of October 1, 2012 and apply to new and renewal business only. New maximum cap per claim is now $186,500! (previously $171,000)  Rate Level Change By Industry Group Level Change: Manufacturing» Read Full Article

As summer heats up, so does the risk of heat-related illnesses.  It is critical to allow the body to gradually adjust to higher temperatures.  Excessive exposure to a hot environment can bring about a variety of heat-related health problems and illnesses.  With the increase in heat-related health problems, so too increases the frequency of accidents.» Read Full Article