Agents and employers may want to pay closer attention to what is emerging in the workers' compensation arena. Work Comp rates have been declining across the country as the number of employee injuries has been declining for many years. As a result, agents seem to have grown complacent and are even asserting, "there is no pain in work comp."

However, as the number of injuries has been declining, the cost per injury is skyrocketing. The reduction in the number of injuries has masked the adverse effects of the increased cost per claim. It's time to wake up. The reduction in injury rates is leveling off and beginning to flatten out. Experts, such as Conning Research and Fitch, are predicting that we are nearing the bottom of declining injury and premium rates. Now it the time to assess an employer's injury management practices in advance of the rising tide of increased costs and reduced capacity.

In this session, participants will learn:

• What's the greatest cost driver in workers' compensation; (hint: it's not employee fraud).
• What are the 5 most important employer practices that reduce work comp injury costs.
• What's missing from the work comp system that's creating unnecessary costs and lost productivity.