In a recent report it was said that workers’ compensation insurance coverage is not being utilized to finance work injuries because workers as well as employers are afraid to report the injuries. As a substitute, these injuries are most often treated either under group health or public health insurance. That means insurance providers avoid legitimate medical and disability claims, while collecting insurance premiums, and either the taxpayers or the group insurer gets stuck with the bill.

As a matter of fact, workers’ compensation claim frequency has progressively declined since 1990. It dropped almost 50% between 2004 and 2007 alone. The number of claims per 1,000 workers has dropped from 27.1 claims…

Many policy holders can go through a year without making a claim. In fact, the odds of fires, thefts and accidents around the home are somewhat low. That being said, we understand why people find the claims process perplexing. People are not well-informed as to how to deal with it. So now we’re going to provide you some simple steps to keep technical problems to a minimum.

1. If a crime has been involved, notify the police immediately and cooperate with the investigation. Your insurance company will want full details of the investigation so keep good notes of the names and contact information for the officers who deal with it. Notifying…