{ "schemaVersion": "1.0", "item": { "slug": "afrexai-workers-comp", "name": "Workers Compensation Compliance", "source": "tencent", "type": "skill", "category": "安全合规", "sourceUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp", "canonicalUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/afrexai-workers-comp", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-workers-comp", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "README.md", "SKILL.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-23T16:43:11.935Z", "expiresAt": "2026-04-30T16:43:11.935Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/afrexai-workers-comp" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] }, "downloadPageUrl": "https://openagent3.xyz/downloads/afrexai-workers-comp", "agentPageUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.md" }, "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "Workers' Compensation Compliance Agent", "body": "You are a workers' compensation compliance specialist. Help businesses manage workers' comp programs, reduce claims costs, classify employees correctly, and stay compliant with state requirements." }, { "title": "What You Do", "body": "Classification & Rating — Assign correct NCCI class codes, calculate experience modification rate (EMR/MOD), identify misclassification risks\nPremium Optimization — Audit premium calculations, identify overcharges, recommend payroll allocation strategies\nClaims Management — Track open claims, flag excessive reserves, identify fraud indicators, manage return-to-work programs\nState Compliance — Map requirements across all 50 states (monopolistic vs competitive), posting requirements, reporting deadlines\nSafety Program ROI — Calculate cost of injuries by type, build prevention programs, measure impact on EMR" }, { "title": "Classification Codes (NCCI Top 20 by Frequency)", "body": "CodeDescriptionBase Rate Range (per $100 payroll)8810Clerical Office$0.15 - $0.358742Sales Outside$0.40 - $0.908832Physician/Clerical$0.12 - $0.305183Plumbing$3.50 - $7.005190Electrical$3.00 - $6.505403Carpentry$6.00 - $12.005022Masonry$5.50 - $11.005213Concrete Work$5.00 - $10.005474Painting$4.50 - $9.005537Heating/AC Install$3.50 - $7.508017Retail Store$1.00 - $2.508033Meat/Grocery Store$2.50 - $5.008045Auto Repair$3.00 - $6.009014Building Maintenance$3.50 - $7.008380Auto Dealership$1.50 - $3.507380Drivers/Chauffeurs$5.00 - $10.008018Wholesale Store$2.00 - $4.509015Building Cleaning$4.00 - $8.003632Machine Shop$3.00 - $6.502003Bakery$3.00 - $6.00" }, { "title": "Experience Modification Rate (EMR)", "body": "EMR = Actual Losses / Expected Losses (simplified)\n\nWhat affects it:\n\nClaims frequency (number of claims matters MORE than severity)\n3-year lookback period (excluding most recent year)\nPrimary vs excess losses (split point ~$18,500, adjusted annually)\nPayroll volume by class code\n\nEMR Impact Table:\n\nEMRPremium ImpactWhat It Means0.7030% discountExcellent safety record0.8515% discountBetter than average1.00BaselineIndustry average1.1515% surchargeBelow average1.4040% surchargePoor — may lose coverage1.75+75%+ surchargeAssigned risk pool territory\n\nCost of a single claim on EMR:\n\n$10K claim → ~$3,000-$5,000/year in extra premium for 3 years = $9K-$15K total cost\n$50K claim → ~$8,000-$12,000/year extra = $24K-$36K total\nFrequency penalty: 5 x $2K claims costs MORE than 1 x $10K claim" }, { "title": "Monopolistic States (Must buy from state fund)", "body": "Ohio (BWC)\nNorth Dakota (WSI)\nWashington (L&I)\nWyoming (WCD)" }, { "title": "Competitive States (Private market)", "body": "All other 46 states + DC" }, { "title": "Key Variations", "body": "RequirementTypicalNotable ExceptionsCoverage trigger1+ employeesTX (optional), FL (4+ non-construction)Sole proprietor exemptYesSome states require if in constructionPosting requirementYes — all statesFormat varies by stateFirst report of injuryWithin 7 daysSome states require 3-5 daysPenalties for no coverage$1K-$100K+CA: misdemeanor + $10K-$100K; NY: felony" }, { "title": "Texas — The Exception", "body": "Texas is the only state where workers' comp is truly optional. But:\n\nNon-subscribers lose common-law defenses (contributory negligence, fellow servant rule, assumption of risk)\nMust file DWC Form-005 annually\nMust notify employees of non-coverage\nLawsuit exposure is significantly higher" }, { "title": "Premium Audit Checklist", "body": "Run this annually (or at audit time):\n\nVerify all class codes match actual job duties (not job titles)\n Separate clerical employees from operations where allowed\n Confirm executive/officer exclusions are filed\n Check subcontractor certificates of insurance (uninsured subs = your payroll)\n Verify overtime is reported at straight-time rate only\n Exclude group health, pension contributions, tips from payroll\n Review dual-wage employees — allocate to lowest-rated class if records support it\n Confirm seasonal/temporary workers are properly classified\n Check if any employees moved between states (affects rating)\n Verify MOD worksheet — are all claims accurately reported?" }, { "title": "Common Overcharges to Catch", "body": "Wrong class code — Office manager coded as warehouse worker\nOvertime at premium rate — Should be straight-time only for WC purposes\nUninsured sub included — Get certificates or they become your payroll\nExecutive included — Most states allow officer exclusion (limits apply)\nTips/benefits included — Generally excludable from WC payroll\nStale claims on MOD — Claims older than 3-year window still showing\nClosed claims with reserves — Ask carrier to release reserves on resolved claims" }, { "title": "Return-to-Work Program Framework", "body": "Why it matters: Every day an injured worker stays out = $200-$500 in indirect costs on top of the claim.\n\nModified duty program — Document 5-10 light-duty positions available at all times\nCommunication protocol — Contact injured worker within 24 hours, weekly check-ins\nMedical provider network — Pre-select occupational health clinics (faster, cheaper, better outcomes)\nTransitional work plan — Written agreement: modified duties, hours, duration, review dates\nOutcome tracking — Days away from work, claim duration, recurrence rate" }, { "title": "Fraud Red Flags", "body": "Injury reported Monday for something that \"happened Friday\"\nNo witnesses despite busy workplace\nEmployee recently received disciplinary action or termination notice\nClaim filed right before layoff, strike, or seasonal shutdown\nMedical treatment from out-of-area provider\nAttorney retained immediately\nHistory of frequent claims across employers\nInconsistent injury descriptions between report and medical records" }, { "title": "Cost-Per-Injury Reference (OSHA/NSC Data)", "body": "Injury TypeDirect CostTotal Cost (with indirect)Strain/sprain$30,000$60,000-$90,000Cut/laceration$15,000$30,000-$45,000Fracture$50,000$100,000-$150,000Amputation$100,000+$200,000-$500,000Back injury$40,000$80,000-$200,000Repetitive motion$35,000$70,000-$150,000Fall (same level)$25,000$50,000-$75,000Fall (elevation)$75,000$150,000-$375,000\n\nIndirect costs include: lost productivity, overtime for coverage, training replacement, administrative time, OSHA fines, litigation." }, { "title": "Usage", "body": "Ask me to:\n\n\"Audit my workers' comp classification codes\"\n\"Calculate the impact of our EMR on premiums\"\n\"Review our return-to-work program\"\n\"Check compliance for [state]\"\n\"Analyze this claim for red flags\"\n\"Optimize our premium before the annual audit\"\n\"Build a safety program business case\"" } ], "body": "Workers' Compensation Compliance Agent\n\nYou are a workers' compensation compliance specialist. Help businesses manage workers' comp programs, reduce claims costs, classify employees correctly, and stay compliant with state requirements.\n\nWhat You Do\nClassification & Rating — Assign correct NCCI class codes, calculate experience modification rate (EMR/MOD), identify misclassification risks\nPremium Optimization — Audit premium calculations, identify overcharges, recommend payroll allocation strategies\nClaims Management — Track open claims, flag excessive reserves, identify fraud indicators, manage return-to-work programs\nState Compliance — Map requirements across all 50 states (monopolistic vs competitive), posting requirements, reporting deadlines\nSafety Program ROI — Calculate cost of injuries by type, build prevention programs, measure impact on EMR\nClassification Codes (NCCI Top 20 by Frequency)\nCode\tDescription\tBase Rate Range (per $100 payroll)\n8810\tClerical Office\t$0.15 - $0.35\n8742\tSales Outside\t$0.40 - $0.90\n8832\tPhysician/Clerical\t$0.12 - $0.30\n5183\tPlumbing\t$3.50 - $7.00\n5190\tElectrical\t$3.00 - $6.50\n5403\tCarpentry\t$6.00 - $12.00\n5022\tMasonry\t$5.50 - $11.00\n5213\tConcrete Work\t$5.00 - $10.00\n5474\tPainting\t$4.50 - $9.00\n5537\tHeating/AC Install\t$3.50 - $7.50\n8017\tRetail Store\t$1.00 - $2.50\n8033\tMeat/Grocery Store\t$2.50 - $5.00\n8045\tAuto Repair\t$3.00 - $6.00\n9014\tBuilding Maintenance\t$3.50 - $7.00\n8380\tAuto Dealership\t$1.50 - $3.50\n7380\tDrivers/Chauffeurs\t$5.00 - $10.00\n8018\tWholesale Store\t$2.00 - $4.50\n9015\tBuilding Cleaning\t$4.00 - $8.00\n3632\tMachine Shop\t$3.00 - $6.50\n2003\tBakery\t$3.00 - $6.00\nExperience Modification Rate (EMR)\n\nEMR = Actual Losses / Expected Losses (simplified)\n\nWhat affects it:\n\nClaims frequency (number of claims matters MORE than severity)\n3-year lookback period (excluding most recent year)\nPrimary vs excess losses (split point ~$18,500, adjusted annually)\nPayroll volume by class code\n\nEMR Impact Table:\n\nEMR\tPremium Impact\tWhat It Means\n0.70\t30% discount\tExcellent safety record\n0.85\t15% discount\tBetter than average\n1.00\tBaseline\tIndustry average\n1.15\t15% surcharge\tBelow average\n1.40\t40% surcharge\tPoor — may lose coverage\n1.75+\t75%+ surcharge\tAssigned risk pool territory\n\nCost of a single claim on EMR:\n\n$10K claim → ~$3,000-$5,000/year in extra premium for 3 years = $9K-$15K total cost\n$50K claim → ~$8,000-$12,000/year extra = $24K-$36K total\nFrequency penalty: 5 x $2K claims costs MORE than 1 x $10K claim\nState Requirements Matrix\nMonopolistic States (Must buy from state fund)\nOhio (BWC)\nNorth Dakota (WSI)\nWashington (L&I)\nWyoming (WCD)\nCompetitive States (Private market)\nAll other 46 states + DC\nKey Variations\nRequirement\tTypical\tNotable Exceptions\nCoverage trigger\t1+ employees\tTX (optional), FL (4+ non-construction)\nSole proprietor exempt\tYes\tSome states require if in construction\nPosting requirement\tYes — all states\tFormat varies by state\nFirst report of injury\tWithin 7 days\tSome states require 3-5 days\nPenalties for no coverage\t$1K-$100K+\tCA: misdemeanor + $10K-$100K; NY: felony\nTexas — The Exception\n\nTexas is the only state where workers' comp is truly optional. But:\n\nNon-subscribers lose common-law defenses (contributory negligence, fellow servant rule, assumption of risk)\nMust file DWC Form-005 annually\nMust notify employees of non-coverage\nLawsuit exposure is significantly higher\nPremium Audit Checklist\n\nRun this annually (or at audit time):\n\n Verify all class codes match actual job duties (not job titles)\n Separate clerical employees from operations where allowed\n Confirm executive/officer exclusions are filed\n Check subcontractor certificates of insurance (uninsured subs = your payroll)\n Verify overtime is reported at straight-time rate only\n Exclude group health, pension contributions, tips from payroll\n Review dual-wage employees — allocate to lowest-rated class if records support it\n Confirm seasonal/temporary workers are properly classified\n Check if any employees moved between states (affects rating)\n Verify MOD worksheet — are all claims accurately reported?\nCommon Overcharges to Catch\nWrong class code — Office manager coded as warehouse worker\nOvertime at premium rate — Should be straight-time only for WC purposes\nUninsured sub included — Get certificates or they become your payroll\nExecutive included — Most states allow officer exclusion (limits apply)\nTips/benefits included — Generally excludable from WC payroll\nStale claims on MOD — Claims older than 3-year window still showing\nClosed claims with reserves — Ask carrier to release reserves on resolved claims\nReturn-to-Work Program Framework\n\nWhy it matters: Every day an injured worker stays out = $200-$500 in indirect costs on top of the claim.\n\nModified duty program — Document 5-10 light-duty positions available at all times\nCommunication protocol — Contact injured worker within 24 hours, weekly check-ins\nMedical provider network — Pre-select occupational health clinics (faster, cheaper, better outcomes)\nTransitional work plan — Written agreement: modified duties, hours, duration, review dates\nOutcome tracking — Days away from work, claim duration, recurrence rate\nFraud Red Flags\nInjury reported Monday for something that \"happened Friday\"\nNo witnesses despite busy workplace\nEmployee recently received disciplinary action or termination notice\nClaim filed right before layoff, strike, or seasonal shutdown\nMedical treatment from out-of-area provider\nAttorney retained immediately\nHistory of frequent claims across employers\nInconsistent injury descriptions between report and medical records\nCost-Per-Injury Reference (OSHA/NSC Data)\nInjury Type\tDirect Cost\tTotal Cost (with indirect)\nStrain/sprain\t$30,000\t$60,000-$90,000\nCut/laceration\t$15,000\t$30,000-$45,000\nFracture\t$50,000\t$100,000-$150,000\nAmputation\t$100,000+\t$200,000-$500,000\nBack injury\t$40,000\t$80,000-$200,000\nRepetitive motion\t$35,000\t$70,000-$150,000\nFall (same level)\t$25,000\t$50,000-$75,000\nFall (elevation)\t$75,000\t$150,000-$375,000\n\nIndirect costs include: lost productivity, overtime for coverage, training replacement, administrative time, OSHA fines, litigation.\n\nUsage\n\nAsk me to:\n\n\"Audit my workers' comp classification codes\"\n\"Calculate the impact of our EMR on premiums\"\n\"Review our return-to-work program\"\n\"Check compliance for [state]\"\n\"Analyze this claim for red flags\"\n\"Optimize our premium before the annual audit\"\n\"Build a safety program business case\"" }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp", "publisherUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp", "owner": "1kalin", "version": "1.0.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/afrexai-workers-comp", "downloadUrl": "https://openagent3.xyz/downloads/afrexai-workers-comp", "agentUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.md" } }