Skip to content

Sanford & Tatum Blog

All You Ever Wanted to Know About Insurance

Work Comp Insights: Benefits of Return-to-Work Programs for Employers and Employees

- Benefits of Return-to-Work Programs for Employers and Employees - According to the National Safety Council, a worker gets hurt on the job every seven seconds. And when an employee experiences an occupational illness...

Read More


Work Comp Insights: NCCI Experience Modification Factor 2024 Changes FAQs

NCCI Experience Modification Factor 2024 Changes FAQs - The National Council on Compensation Insurance (NCCI) is making alterations to its experience modification factor for 2024. These changes are slated to go into...

Read More


NCCI Experience Modification Factor 2024 Changes FAQs

NCCI Experience Modification Factor 2024 Changes FAQs - The National Council on Compensation Insurance (NCCI) is making alterations to its experience modification factor for 2024. These changes are slated to go into...

Read More


Work Comp Insights: Reading an Experience Modification Worksheet

How to Read an Experience Modification Worksheet - An experience modification worksheet, often referred to as an experience rating worksheet or experience mod worksheet, is important in workers’ compensation insurance....

Read More


Work Comp Insights: Interstate vs. Intrastate Experience Modification Rating

Interstate vs. Intrastate Experience Modification Rating - An experience modification rating (EMR) is a numerical indicator crucial in workers’ compensation insurance. It quantifies an employer’s workplace safety and...

Read More


Work Comp Insights: Disciplining or Terminating Employees With Open Workers’ Compensation Claims

Can an employer discipline or terminate an employee who has an open workers’ compensation claim? This is a common question that many employers ask. The answer depends on which state the company is located in, why the...

Read More


Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs

Five Strategies for Reducing Workers’ Compensation Costs - When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and...

Read More