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Rising premiums are making it harder for businesses to obtain workers' compensation insurance on their own, so more are turning to state-run programs.
First came tiered drug benefits, in which employees paid higher co-payments for expensive prescriptions. Then came tiered hospital benefits, in which they paid more for costlier facilities. Now, according to the Employee Benefit Research Institute, it's tiered doctor networks.
The federal government launched a high-profile raid last month of 21 Wal-Mart stores, resulting in more than 250 arrests of undocumented workers and a heap of trouble for the company.