Risk and Insurance Magazine

  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /var/www/vhosts/agencystandards.com/httpdocs/modules/aggregator/aggregator.pages.inc on line 259.
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Updated: 3 years 40 weeks ago

NCCI analysis suggests combined ratio going lower

Mon, 01/13/2014 - 01:32
"While still early, and subject to revision, our analysis suggests a modest increase in premium volume and a continued decline in the combined ratio," says a new report. "At the same time, loss drivers such as frequency, severity, and wages show little cause to expect bigger year-end improvements in Calendar Year 2013 results."

Agency offers more time to weigh in on silica rule proposal

Mon, 01/13/2014 - 01:32
If you have comments about a proposed rule for occupational exposure to crystalline silica, OSHA would like to hear them. The agency has extended for 47 days the public comment period.

Steamfitter proves New York jurisdiction over his out-of-state injury

Mon, 01/13/2014 - 01:32
New York can assert jurisdiction over a claim when the worker was injured outside the state if the worker was hired in New York, the employer controlled his employment from an office in New York, the employer paid out-of-state expenses, and the worker was planning to return to New York after the out-of-state assignment.

Marsh: Construction companies must focus on management training

Mon, 01/13/2014 - 01:32
While construction jobs are on the rise, so is the number of fatalities in the industry, says a new report. Employers must do a better job of training supervisors and leaders to protect workers and the bottom line.

Job offer within restrictions nixes permanent disability bid

Mon, 01/13/2014 - 01:32
In Mississippi, a worker is entitled to permanent disability benefits if she cannot obtain work and her unemployability is due to her work injury.

Exclusive remedy provision curbs suit for noise-induced hearing loss

Mon, 01/13/2014 - 01:32
In Louisiana, when cumulative damage or stress processes occur to the body, the resulting condition can be interpreted as an occupational disease.

Worker's statement to supervisor on day of accident fulfills notice requirement

Mon, 01/13/2014 - 01:32
In Virginia, a worker must provide written notice of her injury to her employer within 30 days of the accident unless the employer has actual notice through a foreman or other superior officer.

Texas' largest carrier partners with drug detection company

Mon, 01/13/2014 - 01:32
Evaluating an injured worker's use of prescribed medications is among the strategies organizations are increasingly using to curb opioid abuse and misuse in the workers' comp system.

Oklahoma law bars subrogation for death benefits awarded in Texas

Mon, 01/13/2014 - 01:32
In Oklahoma, the provision that forbids subrogation in cases of death benefits applies when death benefits and a third-party suit were brought in another state.

OSHA schedules meeting on e-reporting of injuries, illnesses

Mon, 01/13/2014 - 01:32
Companies with more than 250 employees may soon be required to electronically submit quarterly reports on their injuries and illnesses. That's the first proposed new requirement under a rule OSHA has proposed.

Report, roundtable address need for obesity programs that work

Sun, 01/05/2014 - 15:50
Overweight employees have twice as many workers' comp claims as other employees, says a new report. They generate an average of more than seven times the medical claims cost than normal-weight employees and take between six and nine more sick days per year.

Florida high court takes on temporary total disability case

Sun, 01/05/2014 - 15:50
The Florida Supreme Court agreed to hear the case that may change the state's 104-week time limit on temporary total disability benefits.

Volunteer's acceptance of comp after horse incident doesn't block suit

Sun, 01/05/2014 - 15:50
In Indiana, an unpaid volunteer's acceptance of medical payments under an organization's workers' compensation carrier does not change his status to employee and make him bound by the exclusive remedy provision.

California: State fund gives no reason for leadership change

Sun, 01/05/2014 - 15:50
The CEO and CFO of the State Compensation Insurance Fund are resigning, the board of directors announced. No reason was given for the departure of Tom Rowe and Dan Sevilla.

Superintendent demonstrates entitlement to tool for prosthetic arm

Sun, 01/05/2014 - 15:50
In Kansas, a worker can be entitled to further medical care if the care is necessary to cure or relieve the effects of the accidental injury.

Employers gaming to promote health

Sun, 01/05/2014 - 15:50
Gamification is the latest strategy to encourage healthy behaviors among employees. The process uses game-like features in nongame situations to motivate change.

Nurse fails to establish exertions before heart attack were unusual

Sun, 01/05/2014 - 15:50
In Wyoming, a worker who suffers a heart attack must show that her heart attack was caused by exertion unusual or abnormal for a worker in her particular employment.

Driver links vehicle accident with ruptured aneurysm

Sun, 01/05/2014 - 15:50
In New York, a medical opinion on the issue of causation must signify a probability as to the underlying cause of the worker's injury that is supported by a rational basis.

Disasters provide unique opportunities for research when appropriate

Sun, 01/05/2014 - 15:50
On-the-spot research at disaster sites can lead to better protection for future responders and other workers. However, the inherent challenges in these situations must be adequately considered, according to researchers.

Programmer connects pain with sedentary computer work

Mon, 12/23/2013 - 06:26
In Kansas, an injury arises out of employment when there is a causal connection between the conditions under which the work is required to be performed and the resulting injury.

Acceleration Clause - The part of a contract that says when a loan may be declared due and payable.

Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.

Acknowledgment: the act of going before a qualified officer (e.g., Clerk) and declaring the validity of the document. The officer certifies same, whose certification is known as the acknowledgment

Acquit: the act of freeing a person from the charge of an offense by means of a decision, verdict or other legal process; to discharge