Includes: current situation in Minnesota, a proposed administrative system, proposed statutory language, etc. Appendices contain: proposed rules, questionnaires, notices & forms, & more. Brief section on national efforts to combat fraud.

"Only in America can you steal more money with a ballpoint pen than with a gun" (Insurance Services Office, Inc [ISO], 2009, p. 3). Workers' compensation cases fill newspaper and television headlines. Workers' compensation fraud brings to mind dishonest employees who fake or exaggerate injuries: the employee who claims a severe back injury limits his or her mobility but performs intense yard work at his or her home. The truth is another type of workers' compensation fraud exists that can cause much higher losses. Estimates claim that for every dollar lost because of claimant fraud, four to five dollars are lost due to premium fraud (ISO, 2009, p. 3).Workers' compensation premium fraud is a costly problem that does not receive the attention it deserves. Workers' compensation claimant fraud causes smaller losses to insurance companies, when compared to premium fraud, yet claimant fraud remains the focus of insurance companies, states, and employers. This project demonstrates the severity and pervasiveness of premium fraud and the necessity for a solution. States, insurance companies, employers and employees can all take action that will reduce premium fraud.

Workers' compensation causes headaches throughout all levels of an organization. Injuries affect production, costs, and morale. Managing Workers' Compensation: A Guide to Injury Reduction and Effective Claim Management lays out - in logical order - management and safety procedures that reduce injuries and the aggravation that follows. The authors cover hiring, training, and managing employees with injury avoidance in mind. They provide a blueprint for dealing with injured employees and their families, and for determining the correct time for the employee to return to work. The book discusses the all-important issues of fraud, modified duty, substance abuse testing and accident investigations. It also provides guidance for managing your organization's safety efforts in a manner that targets workers' compensation cost control as one of its major objectives. In addition to comprehensive coverage of workers' compensation, the book gives you a thorough explanation of additional sources of assistance, including the availability and utility of Internet safety resources, a complete listing of state workers' compensation agencies, and sample checklists that help you evaluate your workplace. Although workers' compensation laws vary from state-to-state, the principles behind the system and the ability of employers to influence their own premiums remain consistent. By gaining a thorough understanding of these principles and implementing proven cost control strategies, you can realize substantial savings. Managing Workers' Compensation: A Guide to Injury Reduction and Effective Claim Management explains the process by which premiums are calculated and shows how you can impact - favorably - the amount your organization pays in premiums.