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"People think of insurance as somebody gets hurt, they submit a claim, they get paid, and that's the end of it, but there are all different types of programs," says Christine R. Zichello, RN, COHN-S, CSHM, ARM, FAAOHN, senior risk control specialist at PMA Cos.' Mount Laurel, NJ, branch office. Here is what you need to know:

3 things you must know about workers' comp