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Hallmark and American Greetings Can Be Great For Loss Control


Hallmark and American Greetings Cards Are Great Risk Management

The Hallmark and American Greetings cards help control Work Comp Costs. One of our blog readers reminded me that I did not post an article on how greeting card companies can be great for reducing Workers Comp claims costs. I usually cover this topic when I am speaking or writing about the fourth of my Six Keys to Reducing Your Workers Comp costs. The Fourth Key is Employee Treatment by The Employer.

Picture of Hallmark and American Greetings Card in Store

Hallmark and American Greetings are very inexpensive ways to keep in contact with injured employees. This is especially true when an employee is first injured. Sending a card or e-card is a great idea as the injured employee is watching a large number of attorney ads on TV. Quite often, the injured employees will receive letters from attorneys not long after their injury. I have heard of some companies sending flowers if the employee was severely injured.

The Workers Compensation insurance carrier will usually send a letter of explanation of benefits to the employee. This is a good business practice. The letter is not a substitute for a card or an e-card. Phone calls are also good if they do not disturb the employee.

Floral Hallmark and American Greetings Card

Hallmark and American Greetings have free e-cards. The best ones are the e-cards that are provided if your company joins for $13/year. Almost everyone has an email address. If the injured employee does not, it may be a good idea to keep a few cards on hand to mail out in case of an accident.

This suggestion may seem to be a minor one. However, I have seen the savings for many companies that started sending greeting cards to their employees. Good communication between the injured employee and employer usually leads to a quicker return to work, which saves Workers Comp $. As I have said and posted very often, the injured employee is still your employee.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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