Preventing injuries is a primary objective of all firms. Managing and controlling injury losses are equally important goals, although these latter objectives often receive less attention because, after all, "the injury has already occurred," "the doctor says the injured worker cannot return to work" and "workers' compensation insurance covers injury costs." Opportunities to reduce workers' compensation (WC) losses are often missed because the requirements to reduce premiums are not clearly understood. And, when injury costs are charged as "overhead expense," who cares? Consequently, injury losses remain unchecked, overhead expenses continue to rise and frustration with WC claim management increases. How can this cycle be stopped?
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