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As long as commercial insurance has been around, fraud has been right there with it, hitting the bottom-line of honest policyholders.

Using a multifaceted, forward-thinking strategy holds the key.

The discussion, debate and dissection of opioid use and abuse within workers? compensation can only be described as voluminous. Articles have been written, numerous studies have been published and warnings have been issued. Dire statistics related to opioid abuse have continued to pile up over the past several years.

Workplace absence can pose an enormous burden on businesses and organizations. Whether a vacation has been previously scheduled or an illness is completely unexpected, an entire work team can be disrupted when just one of its members is missing.

In the aviation industry, there is little room for error. As a result, you'd be hard-pressed to find a more critical issue than safety.

Being a first responder - a police officer, ambulance driver or firefighter - is dangerous business.

The concept of applying predictive analytics to risk management and insurance-based challenges is hardly new. In the recent past, the predictive modeling trend has gotten plenty of traction within the property/casualty insurance business.

In the workers' compensation managed care world there always has been a fine balancing act between cost savings and the best possible healthcare for injured workers. This challenge exists across the board for medical expenses including physician and hospitals, physical medicine, diagnostics, pharmacy, durable medical equipment (DME), and other ancillary healthcare services.

Data breaches can be costly, but vigorous vendor due diligence can alleviate many problems.

It is common knowledge today that managing prescription medication costs in the workers' compensation market includes making sure any medications involved in an injured worker's claim are actually related to the injury.

In today's environment, four major cost containment pain points challenge organizations that self-administer claims-- maintaining high quality data, effective claims administration, managing rising medical costs, and litigation management.

Focusing on Claims Management and Safety is Key to Lowering Total Cost of Risk

A major risk in the construction industry today is understaffing and underbidding, as contractors are tempted to do more with less and underbid to win the work.

When InsurCard transformed the workers compensation indemnity payment process by introducing the first-ever prepaid VisaŽ debit card for injured workers in 2010, its innovative approach broke new ground.

Pain medications, including narcotic opioids, account for over 60% of the drugs prescribed to treat injured workers. Is your PBM identifying and responding to drug-related risks?