Q: What are my options for gaining financial protection from Workers' Compensation costs?  

Insured and self-insured programs can be structured to include "stop loss" coverage which establishes an upper limit of liability before the insured stop-loss coverage takes effect. There are also a number of things an employer can do to ensure injuries that become WC claims are legitimate like second medical opinions, careful documentation of incidents, provisions for conditional return-to-work, etc. There are distinct difference state-to-state on workers' compensation provisions. Work with your medical professionals and legal counsel to explore the range of options.

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