How Would You Decide: Florida Worker’s Refusal of “Sheltered Employment” Was Not Reasonable? Here’s What Happened: Claimant, a commercial housekeeper, suffered a compensable injury to her right (dominant) shoulder, underwent surgery, and was placed on no-work status for approximately one week. Subsequently, claimant’s authorized orthopedist returned claimant to work with significant restrictions relative and recommended three […]

Traditional notions of insurance are nearly extinct, and the brave new world of retained risk has given new meaning to the notion of self-insurance as commercial consumers become the majority, and often exclusive, stakeholders in the financial outcome of claim exposures. One might argue that, except in the case of a catastrophic loss, true insurance […]