September 9, 2026 · 8 min read
Claims terms municipalities actually hear: a plain-language glossary
FNOL, TPA, RTW, FROI, and the rest, defined in plain English for city and county risk, HR, supervisors, and claims staff.
Read article →Articles
Plain talk on claims and injuries
For risk managers, WC admin, HR, and safety staff in city and county government.
August 14, 2026 · 6 min read
After an injury: why response time shapes whether people stay
People leave after an injury when nobody calls back. Here's what a timely response actually looks like.
Read article →August 21, 2026 · 6 min read
Making employees whole: more than a claim number
Employees remember whether anyone asked how they were doing. The claim number is secondary.
Read article →August 28, 2026 · 7 min read
Supervisors and reporting culture in city departments
The foreman or shift lead usually knows first. What they do next matters more than a poster in the break room.
Read article →September 4, 2026 · 7 min read
What councils ask for that your claims desk can't show yet
Council members ask plain questions. Email folders and carrier summaries rarely answer them.
Read article →September 10, 2026 · 6 min read
How city risk managers keep municipal workers' comp claims from getting lost
City risk managers need one place to see what was reported, what is open, and what is waiting on medical or return-to-work. Email and paper first reports scatter that view.
Read article →September 12, 2026 · 6 min read
First notice of loss for public employers: what supervisors need to do the same day
First notice of loss (FNOL) usually starts with a supervisor, not the risk manager. What public-sector line leaders should capture and hand off on day one.
Read article →September 15, 2026 · 7 min read
County return-to-work and modified duty that actually get used
Return-to-work plans fail when light duty does not match real county jobs. How risk and HR leads assign modified duty supervisors will actually use.
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