Using tongs, Jim Moran sticks a long, thin piece of wire into the small but very hot fire of the blacksmith’s forge.
When he removes the metal, the tip is white hot.
State regulators expect workers compensation insurance rates to decline an average of 5 percent this year because of a new formula for calculating rates based on the direct cost of insurance claims, known as “lost costs.” It’s the second year in a row that rates are dropping. How much the reform legislation has actually saved or will save New York’s private sector employers in the future is still nearly impossible to determine....
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