What Happens in the First Hour
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Insurance Office of America

Workers' Comp Insights

September 2026

Dana,

When someone is hurt at work, most of what will decide the cost of that claim is settled in the first day, before anyone has seen a medical bill. That is uncomfortable, and it is also the good news, because the first day is the part you control.

The truth is that the same handful of decisions protect the business and tell an injured employee whether they matter here. Those are not competing goals. The employers who get this right have stopped treating them as a trade.

This month I am sending three pieces that follow a claim through that window: what has to happen in the first hour, what your employee has already decided about you within twenty four hours, and why return to work is a system rather than a favor. We are also running our supervisor training this month, which goes deeper on the first of those, because the supervisor is almost always the person having that first conversation.

What Happens in the First Hour

Almost everything that later becomes expensive in a claim is decided in the first hour after an injury.

Read the article →

The First Twenty Four Hours Decide the Claim

An injured employee decides whether their employer is on their side within a day, and that view predicts the claim better than the medical facts.

Read the article →

Return to Work Is a System, Not a Favor

Return to work is the largest lever on claim cost, and most employers run it on coincidence rather than protocol.

Read the article →

This month's training

How To Train Your Supervisors To Become Workers' Comp Advocates

Thursday, September 24, 2026, 2:00 to 3:00 PM Eastern

Establish the one key to success with supervisor training

Clearly define the impact and ROI of supervisor training

Address the conflicting role of supervisors

Define the 6 expectations for a supervisor following an injury

Deliver a meaningful 1.5 hour supervisor training

Register for the training

Brian Chu

Insurance Office of America


Workers' Comp Insights

Postal address to be added before the first send

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