Some employers vigorously contest employee claims for workers' compensation payments.

Among its many responsibilities, OPM receives tens of thousands of federal employee claims for retirement and insurance benefits each year.

These changes do seem fairly moderate, and will no doubt impede some spurious employee claims, but there will probably also be cases where employers abuse the new provisions.

One of those customers, Boulevard Quad Printing and Graphics on Long Island, stands to cut its premium in half by leaving Empire for Chubb, which based Boulevard's rate on the number of employee claims.

At other times, he worked on the usual problems of newspaper administration: a libel suit against a columnist for The News that began while Mr. Maxwell owned the newspaper, an assertion by a photographer that The News had used his photograph without giving him proper credit, and employee claims for time off earned before the bankruptcy.