Protect your workers from the threats of extreme heat

Dozens of workers die each year, and thousands more become sick while working in extreme heat or humidity, according to the Occupational Safety and Health Administration .

If your employees must work in hot environments, it’s important to know the risks and symptoms of heat-related illnesses, and how you can prevent them. Many factors have an impact on workplace risk for heat stress, ranging from the environment to physical condition of the employees. Workers at highest risk tend to be those who are over 65 years old, are overweight, have heart disease, have high blood pressure or take medications that may be affected by extreme heat.

Environmental factors

Environmental factors to consider in evaluating employees’ risk of working in hot conditions include:

  • Temperature, clothing and exertion requirements.
  • Humidity – high humidity impacts the effectiveness of perspiration.
  • Wind – it can assist the body in cooling, but in high temperatures with high humidity it may actually increase heating of the body.

Know the types of heat stress

There are a number of different types of heat-related illnesses, which range in severity. They include:

  • Heat cramps
    Painful muscle spasms most likely in the arms, legs and abdominal area. Heat cramps are caused by sweating during strenuous activity and failing to replace the fluids and salt lost from sweating.
  • Heat exhaustion
    Symptoms include profuse sweating, headaches, extreme weakness or fatigue, dizziness, fast pulse, rapid breathing and nausea or vomiting.
  • Heat or sun stroke
    Symptoms include a very high body temperature (104 degrees F or higher); mental confusion, delirium or hallucinations; rapid breathing and pulse; hot, dry, red or mottled skin; convulsions; and loss of consciousness. Seek medical help immediately and keep the person cool with fans, ice and water until help arrives.

Prevent heat-related illness among your employees

OSHA recommends that employers with workers exposed to high temperatures:

  • Monitor conditions regularly and follow consistent work practices.
  • Train your employees about signs and symptoms of heat exhaustion, as well as the importance of hydration – See our 5-Minute Solution on heat stress which is also available in Spanish .
  • Provide breaks as needed by the conditions.
  • Consider completing outdoor tasks either early in the morning or in the evening whenever possible.

Educate employees on how to prevent heat-related illness

Employees have a role to play in protecting themselves from heat-related illness. Educate your employees on prevention by telling them to:

  • Adjust themselves to the heat through short exposure periods followed by longer exposure until their body is acclimated to the heat. It may take 14 days or longer.
  • Drink lots of liquid to replenish the fluid that their body is losing through sweating. Drink water to stay hydrated (about 1 cup every 15 minutes), and electrolyte drinks (sports drinks) to replace salt. A 3:1 ratio of sports drinks to water is commonly recommended. Don’t wait to drink until you’re thirsty, and avoid alcohol and caffeinated beverages.
  • Do not ignore possible symptoms of heat stress. If their muscles cramp or if they feel very hot, dizzy or nauseous, then they should stop, hydrate, rest and cool off in the shade or air-conditioned area.
  • Wear light-colored and loose-fitting clothes. Cotton breathes better than synthetic fabrics.
  • Schedule work activities during the coolest parts of the day.
  • Take the time to rest and cool down before they feel symptoms of heat stress.
  • Report symptoms of heat-related illness in themselves or coworkers to their supervisor immediately.

You or your supervisors can use SFM’s 5-minute solutions training talk on heat stress as a guide to talk with employees.

Use heat safety app to identify dangerous conditions

OSHA and the National Institute for Safety and Health have created a free heat safety mobile app to make employers and workers aware of whether the heat index in their area creates a risk for heat-related illness.

The app also provides recommendations for preventing heat stress based on the risk level.

Learn more about preventing heat-related illness among employees

The Centers for Disease Control and Prevention and the Occupational Safety and Health Administration offer a number of resources that can help you protect your employees from heat stress, including:

Workplace ergonomics: Tips to create a neutral posture

Maintaining neutral posture can go a long way in preventing injuries before they happen at work. Over the past couple of years many employees have shifted in how and where they work. Some are working more from home. Some are returning to a workplace after a long hiatus. Whether your employees are adapting to new workplace arrangements or haven’t seen much change at all, it’s a good time for a refresher on how to set up workstations ergonomically to prevent pain and strain.

How to maintain a neutral posture while sitting at work

No matter whether you’re working from a standing or seated position, the goal is to achieve a neutral body position.

Follow these six ergonomic tips for maintaining proper posture:

  • Keep your feet resting comfortably on the floor or on a footrest.
  • Your thighs should be fully supported by the chair seat, with your hips at a 90 to 110 degree angle.
  • The backrest of your chair should support the natural curve of the back.
  • Your upper arms should be resting comfortably at your side, with elbows at a 90 to 100 degree angle.
  • Your head should be centered over your neck and shoulders.
  • Don’t lean forward in your chair to avoid putting strain on the neck and back.

How to maintain a neutral posture while standing

Increasing numbers of desk workers are turning to sit-stand workstations, or standing desks.

Follow these seven tips to maintain an ergonomic posture while working at a standing desk:

  • Feet should be resting comfortably on an even surface.
  • Wear shoes with insoles.
  • Stand on an anti-fatigue mat with beveled edges that sits flat on the floor.
  • Keep your knees unlocked.
  • Your upper arms should rest comfortably at your side, with elbows at a 90-100 degree angle.
  • Wrists should be held straight, not pressing into the edge of a counter or table.
  • Your head should be centered over your neck and shoulders.

Add movement: The 20-8-2 rule

Even after your workstation setup is optimized for your comfort, you shouldn’t sit there all day. If your job is predominantly sedentary, try to build in at least two hours of movement throughout the day.

The 20-8-2 rule offers a quick rule of thumb to remind you to change positions and get up and move. This “ideal work pattern” was pioneered by Dr. Alan Hedge, a professor of ergonomics at Cornell University.

For every half-hour of work:

  • Sit for 20
  • Stand for 8
  • Stretch or move for 2

The frequency of position changes may be more important than the length of the break. Changing positions often will help you maintain focus and energy throughout your workday.

Workplace ergonomics tools that can help

There are a number of products available that you can purchase to help you and your employees work with a neutral posture. Many are inexpensive.

These include:

  • Headsets
    Cradling a phone between your shoulder and neck can cause strain. If you need your hands free while using the phone, try using a headset instead.
  • Mouse bridges / keyboard cushions
    Keyboards should be set flat, and your wrists should be raised and level, resting on a cushion. Avoid placing your wrists on the edge of the table or desk. This also applies when using a mouse. Your keyboard and your mouse should both be in easy reach.
  • Adjustable monitor stands
    Use adjustable monitor stands to keep the screen of your monitor at eye level, or slightly below eye level for those who use bifocals. They are usually inexpensive and easy to use. Center the monitor in front of your keyboard.
  • Document holders
    Instead of looking at a piece of paper lying flat on the table, use a document holder to keep the page in line with your computer, keeping everything at eye level. This will prevent excessively bending your neck, and it’s easier to read.
  • Risers
    A riser is a wedge-shaped product that can be placed on the floor under the desk. If the height adjustment on your chair leaves your feet unable to touch the ground, use a riser to give yourself a footrest. They are adjustable and inexpensive, and they take the weight off your upper thighs and reduce pressure from the chair edge.
  • Adjustable chairs
    Making sure your chair is the right size is one of the easiest ways to improve comfort. Make sure the height, seat, arms and recline are all adjustable. If the table or counter you work at isn’t adjustable, be sure to set the height of your chair so that your arms rest comfortably at your sides and don’t press into the edge of the table or counter. Adjust your chair so that you maintain neutral positions.
  • Sit-stand workstations
    Sit-stand workstations can help keep you from sitting all day long, but it’s important to shift between sitting and standing. Switching to standing all day won’t prevent strains and pains — it just moves them to different areas. Going back and forth between the two throughout the day is the best way to utilize sit-stand workstations. When choosing a sit-stand workstation, ensure the desk goes low enough to reach your ideal height when seated, which is the measurement from your elbows to the floor when sitting with feet flat to the floor and shoulders relaxed.

Alternative workstations and laptop ergonomics

Using a laptop or mobile device can make it harder to achieve a neutral posture, so here are some additional tips for laptop and tablet ergonomics. If you’re have a treadmill desk or standing desk, consider the risks and benefits of alternative workstations.

Download and print a PDF of these workplace ergonomics tips and keep them handy so you remember how to maintain a neutral posture and keep active at work.

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Work injuries among school employees

As a workers’ compensation insurer serving 250 school districts, we’ve learned a lot about school employee injuries and how to prevent them.

Common injuries among school employees

According to SFM claim data, here are a few school employee injury statistics:

  • 40% of workers’ compensation claims among school employees involve students
  • The most common student-related injuries are due to students acting out (64% of injuries related to student interaction)
  • The most common causes of injuries to school employees are due to being struck (34%), slips/trips/falls (27%) or strains (23%)
  • The most common injuries to school employees are fractures/contusions (59%), sprains/strains (23%), and punctures/lacerations (11%)

For more statistics, see our fact sheet on occupational injuries in schools.

Ways to avoid work injuries among school employees

There are a number of things school districts can do to prevent common employee injuries including:

  • Encourage staff to “Facilitate, don’t participate
    Participating in physical activities puts teachers, paraprofessionals and coaches at risk for serious injuries. Instruct staff to focus on demonstrating and teaching skills versus actively participating in play. Remind them that they are responsible for their own safety. Download our Facilitate, don’t participate 3-Minute Solution for more details. 
  • Promote a hands-off approach to dealing with students who are acting out
    For more details, download our de-escalation team training talks for schools and alternative intervention and de-escalation tactics training talk.
  • Prevent winter slips and falls
    Snow- and ice-related slips and falls are a leading cause of school employee injuries. Remind your employees about the increased risk of slips and falls in winter, and how to prevent them with an educational campaign throughout the season. SFM offers a number of free winter slip-and-fall prevention resources.
  • Provide supervisor initiated training
    SFM offers free downloadable safety training talks for schools, broken down by job category (such as buildings and grounds, food service, etc.). These talks are simple and quick to present, and help keep the staff focused on safety.
  • Tell staff to get up and move
    Employees who stay in a static position all day long put themselves at greater risk for strain and sprain injuries. Encourage them to take short breaks throughout the day to move around. They can use this warm up and stretching poster for ideas of movements that will help them avoid strains.
  • Get fit and exercise
    Employees who work with their arms in front of them all day, such as food service workers, are at risk for shoulder injuries. SFM developed a program called Get Fit and Exercise, which focuses on shoulder strengthening to prevent injuries. Anyone can benefit from the program, but it’s especially good for building and grounds crews and food service staff.

Get to know a claims representative: Beth Couette

Beth Couette headshot
Beth Couette

Small Business Accounts Claims Specialist Beth Couette has worked at SFM for nine years, and in the workers’ compensation industry for 35 years. We asked Beth for some details about herself and her role.

You’ve been a workers’ compensation claims representative for many years now. Why have you chosen to stay working in this field?

I have always found this job to be interesting as no two claims are the same, therefore, every day is different. It’s also nice being able to help somebody through the work comp process.

How would you describe your role?

My job is helping people that have had a work comp injury get back to their pre-injury condition with as little disruption to their lives as possible. Another big part of my job is guiding our insureds through the claims process as most small business owners haven’t had a lot of experience with workers’ compensation claims.

How is SFM different from other carriers that you’ve worked for over the years?

I was so impressed the first week I started at SFM as I happened to pass our CEO at the time and he welcomed me and knew my name! I thought, “Oh, this is really different. This is going to be a really nice company to work for.” My first impression was correct, it has been a great place to work for the last almost 10 years. There are also so many resources that we have available to us — in-house legal, physician advisors, claims techs, etc. I also like the fact that we work in teams, with claims and underwriting working alongside of each other.

Is there a time that stands out to you when your job was particularly rewarding?

It’s nice to get feedback from an injured worker stating that they appreciate all the work you’ve done for them during their claim. I got an email recently from an injured worker who had two surgeries and had been out of work for almost two years, and we finally got a discharge for him to return to work. The email stated how much he appreciated everything we had done for him. That was really nice to hear. It makes the job worthwhile.

What do you like about your job?

It can be a very emotional and hard time when you’ve been injured on the job, so it’s nice being able to help somebody get through that rough time and get them back on their feet.

What words of wisdom do you have for small business employers?

It’s important to get first reports of injury into SFM as soon as possible (especially if they are lost time) because we have time limits from the state that start when the employer learns of the injury. The sooner we can get that claim, the sooner we can get going on investigating, taking statements and gathering medical information. It also helps when they’re able to give us as much information as possible, like how the injury happened and what the employee was doing at the time, etc. Also, if they have any concerns on the claim, let us know up front and as soon as possible so that we can explore those concerns. Another thing I think that’s important is for the employer to keep in contact with the injured employee — to periodically check in with them if they’re off of work to find out how they’re doing and express that they’re looking forward to having them back.

Tell us a little bit about yourself.

I love to travel, whether it be across the United States or short road trips. I like to read. I love pretty much all sports, whether watching on TV or going to sporting events. My kids are adults now but I love to spend time with them.

 

View more news about SFM

Resumption of the presumption: Minnesota’s COVID-19 presumption law

On February 3, 2022 Minnesota Gov. Tim Walz signed a bill into law that reinstated and extended the rebuttable COVID-19 presumption under Minnesota’s occupational disease statute. Minnesota Statutes Section 176.011, subd. 15(f), reinstated what has become known as the COVID-19 presumption law, creating a rebuttable presumption for certain first responders, corrections workers and COVID-19 healthcare workers who contract COVID-19.

The new presumption signed into law on February 3, 2022 is not retroactive, which means any first responders, corrections workers and COVID-19 healthcare workers who contracted COVID-19 after December 31, 2021 (the date the previous presumption sunsetted) through February 3, 2022 were not covered under the presumption. However, they were still potentially covered under other existing occupational disease or injury provisions of Minnesota’s Workers’ Compensation Act.

When not covered by the presumption, workers in Minnesota who believe their COVID-19 infection is a direct result of their employment are able to file a claim to pursue compensation under the existing occupational disease and personal injury provisions.

In summary, the reinstatement and extension of Minnesota’s COVID-19 workers’ compensation presumption law provides:

  • A defined list of occupations covered by the presumption of COVID-19 as an occupational disease:  firefighter; paramedic; nurse or health care worker, correctional officer, or security counselor employed by the state or a political subdivision at a corrections, detention, or secure treatment facility; emergency medical technician; a health care provider, nurse, or assistive employee employed in a health care, home care, or long-term care setting, with direct COVID-19 patient care or ancillary work in COVID-19 patient units.
  • Those on the list of covered workers can show they contracted COVID-19 by a positive laboratory test or, if a test is not available for the employee, by diagnosis and documentation from a licensed physician, physician’s assistant, or advanced practice registered nurse (APRN);
  • The presumption is rebuttable by the employer and insurer only by a showing that the employment was not a direct cause of the disease;
  • The date of injury for this presumptive COVID-19 is either the date the employee was unable to work due to the diagnosis, or due to symptoms that were later diagnosed as COVID-19, whichever occurred first;
  • If an employee who has contracted COVID-19 does not fall under the new presumption, they still have the right to file a claim under the existing occupational disease and personal injury provisions of the Minnesota Workers’ Compensation Act.

This COVID-19 presumption legislation is effective for employees who contract COVID-19 on or after the day following enactment (April 8, 2020) through December 31, 2021, and once again is effective the day following enactment (February 3, 2022) through January 13, 2023.

For more information on the law, see the Minnesota Department of Labor and Industry’s Frequently Asked Questions document .

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

When is PTSD covered by workers’ compensation?

When an employee experiences a traumatic event at work, workers’ compensation coverage is probably the last thing on your mind. But knowing how post-traumatic stress disorder is defined and covered in your state can help you make sure your employee gets needed help.

For PTSD to be covered by workers’ compensation, it must meet the criteria as described in the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders, and be diagnosed by a psychologist or psychiatrist.

By definition, symptoms must last or start a month or more after the event to be considered PTSD. Symptoms that last less than a month are considered acute stress disorder. This nuance is important when it comes to how different states handle PTSD claims.

Some states specifically address PTSD in their workers’ compensation laws. In other states, whether PTSD is covered depends on what caused it and whether the state recognizes that event as a work injury.

If the event that led to PTSD was physical, most states will recognize that as a physical/mental injury (that is, a mental injury caused by physical injury) and treatment for PTSD will be compensable. If the employee was involved in a traumatic event, but there was no physical injury, some states may not recognize PTSD as a claim. This is referred to as a mental/mental injury.

Here are the specifics on PTSD in SFM’s core states:

  • Minnesota
    PTSD is specifically addressed in the statute. If an employee is diagnosed with PTSD by a licensed physician or psychologist and the employee meets the Diagnostic and Statistical Manual of Mental Disorders criteria, the claim is covered by workers’ compensation benefits. This is the only type of mental/mental claim recognized in Minnesota. If PTSD is diagnosed as arising from a physical injury, that would be compensable in Minnesota as a physical/mental claim.

    For injuries occurring after January 1, 2019, it will be a presumption that PTSD in first responders is compensable under workers’ compensation, absent preexisting history and limited statutory exceptions. PTSD claimed due to job performance issues, such as demotions and layoffs, is not compensable.

  • Wisconsin
    PTSD is not specifically addressed in the statute. Mental/mental injuries can potentially be compensable if the circumstances causing the injury arise from extraordinary stress. It must be a far greater stress than the expected emotional strain that employees encounter daily without serious mental injury.
  • Iowa
    Mental/mental injuries are recognized, but in order to be compensable under Iowa law, the work condition and circumstances lead­ing to the mental condition must exceed that which is typically experienced by peers in that same profession. PTSD may be compensable without any physical injury to the body under these circumstances.
  • Nebraska
    Mental/mental injuries are not compensable in Nebraska, so a diagnosis of PTSD without any physical injury would typically not be covered. If there is a physical injury to the body and PTSD is a condition that is a result of that injury, it could be compensable as a physical/mental injury.

    However, first responders are an exception. PTSD could be compensable as a mental/mental injury for first responders who are exposed to extraordinary and un­usual stimuli in comparison to normal conditions of their employment. Nebraska statute defines first responders as sheriffs, deputy sheriffs, police officers, state patrol troopers, volunteer or paid firefighters, emer­­gency medical technicians and paramedics.

  • South Dakota
    South Dakota does not cover mental/mental injuries. There must be a physical injury to the body. If an employee sustains a physical injury and claims PTSD as a consequential injury, then it could be compensable.

Intervene early to help employees who’ve experienced trauma

Although PTSD cannot be diagnosed until 30 days after a traumatic event, you shouldn’t wait that long to reach out to your employee. Early intervention can prevent situational anxiety from progressing to PTSD. Encourage any employee who may be susceptible to seek help through your employee assistance program, SFM’s Injured Worker and Family Assistance Program or from a psychologist or psychiatrist.

“If someone has experienced trauma, be it physical or mental, coping skills for them to be more resilient so they can manage their stress and anxiety is what’s going to get them better,” said Director of Medical Services Ceil Jung, RN, BSN, CCM. “Treatment is typically cognitive behavioral therapy (CBT). Symptoms can usually be effectively managed to restore the individual to normal functioning.”

Prepare to prevent winter slips and falls

In a typical year, falls in snowy or icy conditions account for more than 20,000 workplace injuries. As we all know, 2020 was anything but a typical year. Less foot traffic last winter meant fewer slips and falls, but in the coming months experts predict that slip-and-fall incidents will be on the rise once again.

“With employees returning to their routines of entering and exiting the workplace every day, we’re expecting to see a resurgence in winter slips and falls,” said SFM Loss Prevention Technical Leader Lee Wendel. “These incidents can cause some of the most severe injuries we see, and they’re largely avoidable.”

Winter slips and falls are among the most common causes of workplace injuries. These incidents put employees at risk for serious injuries like concussions, broken bones and herniated discs. As an employer, there’s a great deal you can do to prevent these injuries at your workplace.

Parking lots pose greatest hazard

Winter slips and falls are most common in parking lots.

“Many employees aren’t thinking about the risks when they’re moving between their car and the building,” Wendel said. “Alerting workers to the dangers of slippery surfaces goes a long way to prevent serious injuries.”

Employees are especially at risk of injuries when:

  • Getting into or out of their vehicles
  • Stepping onto or off of curbs
  • Carrying too much in their arms

Encourage employees to use the “step down, not out” method when stepping out of their cars and off of curbs. For cars, swing both legs out to the side, step down flat footed with both feet, and maintain three points of contact with either the car or the ground while getting up. For curbs, step down flat footed, not heel first.

You can order or download winter slip-and fall resources including “step down, not out” and “carry only what you can” posters from the resource catalog.

Free resources to build awareness

SFM provides many resources to keep your employees aware of winter slip-and-fall risks throughout the season including posters, handouts, safety talk outlines and videos.

“As conditions change during the season, it’s important to keep reminding employees of the risks of winter slips and falls, and how to avoid them,” Wendel said.

You can find links to these resources and more information at sfmic.com/penguin.

Claim representatives’ best tips to avoid workers’ comp missteps

SFM’s claims representatives spend all day managing workers’ compensation claims. They coordinate with injured workers, employers and medical providers. Many of them have decades of experience in the field. So, when we asked them to give us their top tips for employers, they delivered.

Here’s what the claims adjusters said:

  • When hiring, include the physical demands of the job in the job description. Have prospective candidates sign off on the descriptions to signify that they can perform the essential functions of the job. Pre-employment physicals and criminal background checks are also important.
  • Always investigate after an injury. Document how, when and where the accident occurred. Talk with the injured employee and witnesses, and take photos. If you have surveillance cameras in the area, let the claims representative know. Then figure out how to prevent it from happening again. This information also helps claims representatives to verify what they are told by the injured worker.
  • When bringing employees back to work, work together with the employee to look for ways they can perform their job within their medical restrictions. Your claims representative can also provide suggestions and resources if needed. Require the employee and supervisor to commit to working within those restrictions. It’s always good to put it in writing and get everyone to sign off.
  • Be sure to tell your claims representative right away when an employee starts needing time off for a work injury and when the employee returns to work so that benefit payments are on time and correct.
  • Focus on building strong relationships between employees and direct supervisors.
  • Continue communicating with injured employees, even if they are totally disabled and unable to return to work. Keeping the lines of communication open and letting employees know you care about them is really important.
  • Address disciplinary issues with staff right away. If you don’t, and the employee is injured, these issues become much more difficult to deal with.
  • If an employee is injured in a work-related automobile accident, be sure to send the claim to both your workers’ compensation and auto insurer. If the injury is work-related, workers’ compensation provides primary coverage, and your insurer will pursue recovery from an at-fault party.
  • Make a copy of any paperwork an injured worker brings in, especially any doctor’s reports, and forward to the claims representative.
  • Report all claims right away.
  • Allow your claims representative to deliver hard-to-hear news to the injured worker versus doing it yourself. That helps you maintain a positive relationship with the employee, which is more conducive to a speedy and effective return to work.

 For more tips, read four things you need to do after an employee is injured.

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

Avoid common mistakes when reporting work injuries

Fast, accurate injury reporting can reduce frustration for everyone involved.

Sometimes it can even reduce costs by preventing:

  • State penalties
  • Litigation
  • Delayed return-to-work
  • Low employee morale
  • Unnecessary medical costs

Following are some of the most common reporting mistakes we see, and ways you can easily avoid them:

  • Not indicating that an employee is missing work due to a work injury.
    As soon as your employee begins losing time from work due to the injury, let your claims representative know, so the employee receives wage-replacement benefits on time. Failing to do this can lead to state penalties and financial hardship for the employee.
  • Reporting late.
    As soon as any supervisor, manager or claims coordinator becomes aware of an injury, the clock starts ticking toward your state’s deadline to determine whether the employee is due workers’ compensation benefits. Missing the deadline can result in significant state penalties. Reporting right away gives your claims representative enough time to investigate the injury before the deadline. See the How to report a work injury page for details on how to report.
  • Incomplete forms.
    If you choose to report your claim by filling out a form, leaving off important information can delay processing of a claim. Especially important details include: Social Security number and date of birth of the employee, date of injury, date of first day of lost time, date employer was notified about injury, and contact information.
  • Communications breakdowns.
    Make sure employees and supervisors understand the process for reporting a work injury at your organization. Delays in reporting injuries sometimes occur because employees simply don’t know who to tell if they are injured.
  • Including sensitive information in first reports.
    In some states, including Minnesota, the injured employee is entitled by law to receive a copy of the First Report of Injury. If you suspect fraud, or have other sensitive information about the incident, report it to your claims representative separately or report your concerns through our website. If you report through the SFM Work Injury Hotline, you can call or email your claims representative about your concerns. If you report the injury using a form, you can write it on a separate piece of paper and attach it to the first report. If you report online, you can type it in the confidential comments box on SFM’s online First Report of Injury.
  • Not reporting questionable claims.
    Sometimes employers don’t report an injury because they think it is suspicious, or not serious enough to report. This is a violation of state laws, which require the employer to report any injury claimed by an employee. Instead, report all injuries, but let your claims representative know about your concerns. Your claims representative will investigate the claim and its circumstances.
  • Sending a First Report of Injury to your agent.
    Please report workers’ compensation claims directly to us. Sending them to your agent can delay our receipt of the report, which can hamper our ability to investigate and respond promptly to the claim.
  • Filing in the wrong state.
    For employers with multiple locations, sometimes there’s confusion over which state to file the claim in. Due to the differences in states’ workers’ compensation laws, this can sometimes be difficult to determine. A good rule of thumb is to file in the state where the employee was hired or typically works. When in doubt, it’s still best to make the report right away and let your claims representative know that you have concerns.

This post was originally published on June 18, 2013, and updated on June 15, 2021.

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

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From home office ergonomics to cell phone use to infectious diseases, our most popular blog posts for employers cover a wide range of topics.

You’re sure to find some helpful tips among our most popular safety, claims and wellness blog posts of all time:

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5. Creating a policy for employee cell phone use while driving

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4. Ergonomic and safety tips when working from home

Follow these tips to avoid pain and strain while working from home.

3. Expert tips and best practices to make your safety committee thrive

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1. Top seven safety tips for office workers

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