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Every drop counts

At Sedgwick, taking care of people is at the heart of everything we do. Millions of people and organizations around the world count on us each year to take care of their needs. Clean water is a necessity for everyone and life without it can seem unimaginable, but for millions of people it's a daily reality. A sustainable water supply is important, and every drop counts. Every year, leading up to the new year, Sedgwick conducts an awareness campaign to support and promote a cause that is me

Flu season: What long-term care facilities can do to protect residents

Well, it’s that time of year again.  As per the CDC, flu activity usually peaks between December and February, although activity can last as late as May. As we know, the flu is a contagious respiratory illness caused by influenza viruses that infect the nose, throat, and sometimes the lungs. It can cause mild to severe illness, and at times can lead to death.  Anyone can get the flu and serious problems related to the flu can happen at any age, but some people are at a higher risk of d

Improved decision making: Three keys to getting value from data analytics

In today’s information age, data is everywhere. We’re inundated with it. But gathering data is just one piece of a much larger puzzle. Data isn’t very useful if nothing is done with it. It’s the analysis that leads to using data effectively to make better decisions that is the true key to success.  Workers' compensation is no exception. Increasingly, the success of your workers' compensation program is dependent on how data is being used to take action. If you’re not seeing the value of da

Peer Dialogues: Improving the claims settlement calculation process

To those unfamiliar with the process, calculating claims’ settlements may appear to be a mysterious and complicated endeavor. However, when done right, the process can and should be transparent, fair and beneficial to all parties. Risk managers play an essential role in the process by ensuring that those who grant settlement authority understand the mission-critical yet often subtle nuances of the process. The task of risk managers is to convey the known facts supporting the calculation so that

California wildfires: What happens next?

Disasters are unfortunately becoming commonplace news stories. Many people are dealing with tragic losses in the wake of both man-made and natural disasters. The recent fires that have ravaged California are now among the most devastating in U.S. history. This article from Digg provides a visualization of the scope of the fires. While the priority for emergency resources and others involved is focused on the safety and health of those impacted, the reality is many people are grappling w

Peer Dialogues: Establishing effective settlement authority strategies

That magic moment . . . no, we aren’t launching a new dating site.  What we’re talking about is that specific point in time when a claim could and should have been settled and for some reason, often one beyond the control of the examiner, it wasn’t. What does the timing of a settled claim have to do with a risk manager? Turns out, quite a bit; it impacts reserves, financials, risk thresholds and much more. Therefore, an important question to ask as an industry is, “how can we make sure th

Peer Dialogues: Developing an organizational settlement philosophy

When I started my career as a young claims adjuster at an insurance company, my managers showed me the secret handshake and explained the position’s responsibilities. They then told me that to settle claims, we would negotiate to an agreed level of impairment, and provide lifetime future medical care if the employee was still employed at the employer.    After a few years of adhering to that principle, I started thinking that there might be a better way.  Perhaps we should s

Should we stay or should we go? Considering both care and cost

In a disaster, emergency evacuation for long-term care facilities saves lives, not money. Evacuation expense reimbursement coverage may help when there is no question about whether to stay or go. The projected paths of the two most recent hurricanes, Florence and later Michael, led several state governors to issue mandatory evacuation orders impacting more than a million people. Many of the coastal senior living communities in Florida, Georgia, the Carolinas and Virginia had to be evacuated for

Cavity wall insulation claims on the rise

When you think of industries with rising claims, cavity wall insulation (CWI) is probably not one of your top choices. However, we are seeing clients that have received thousands of claims from new ‘specialists’ against CWI contractors for negligent installation. There are several points to consider as businesses try to address this issue: How retrofit insulation has emerged The reason why they’ve emerged from the ‘plasterwork’ Items that make a property fit or unfit for CWI The attri

Peer Dialogues: Resolution settlement strategies

What do we discuss with our colleagues and peers at meetings, conferences and around the proverbial water cooler? What are the topics we read about in trade publications or LinkedIn posts?  What causes risk managers and those who develop claims’ management strategies to question, ponder and explore?  The answers are as diverse as the questions posed. As we near 2019, the issues, challenges, and opportunities facing the workers’ compensation industry continue to proliferate. Howev

Undercover consumer

In what may be the closest I’ve ever come to an “Undercover Boss” moment in my life, I had a chance this week to experience Sedgwick’s property services on a personal level. The surge of hurricane activity in the state of Florida, most recently this week’s historic impact of Hurricane Michael, put me in need of our capabilities and allowed me to get a rare consumer-side view of what we do.  My family lives in Chicago, but we own a rental property in the panhandle of Florida. Sitting so

DEA and FDA clear Epidiolex: Where do we go from here?

On September 27, 2018, the Drug Enforcement Agency (DEA) made a remarkable move. The agency placed a cannabidiol (CBD) containing product, Epidiolex, into Schedule V (classified as having low potential for abuse) so that it could be manufactured in the U.S. following a recent Food and Drug Administration (FDA) approval. Epidiolex is a pure, standardized form of CBD indicated for the treatment of two severe forms of epilepsy, Lennox-Gastaut syndrome and Dravet syndrome. Approval for Epidiolex by

Education counters the opioid epidemic, one small step at a time

Like many others that have come before it, this is an article about how we can combat the opioid epidemic. But if the educational tips here help even one person think more carefully about opioid alternatives, it has accomplished what it set out to do. In fact, educational initiatives continue to make a difference, one small step at a time. One recent study put into perspective how small steps toward opioid education can make a big impact. The study, funded in part by the National Institute on A

Should we stay or should we go? Hurricane preparedness in long-term care

Vivid memories of desperate nursing home residents in wheelchairs submerged waist-high in flood waters will forever be etched in our minds, especially during hurricane season. The shocking photos and tragic heat-related deaths of numerous skilled nursing and assisted living residents caught in the throes of and aftermath of hurricanes such as Harvey and Irma underscore the need for each long-term care facility to have an effective emergency preparedness plan and evacuation strategy. As we deal

Culture is our compass

This week, Sedgwick once again experienced a significant milestone in our almost 50-year history with the announcement that The Carlyle Group will become our majority investor. This is the fifth time in the last 20 years we have seen ownership change; each time, our new partners seeing the value of Sedgwick’s long-term stability and the potential for our future. During each transition, the company has experienced continued growth, outpacing our industry and the market, even during the

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