LOS ANGELES -- In an effort to avoid a workers' comp ballot initiative in November, Insurance Commissioner Garamendi unveiled a workers' comp reform plan he hopes will bridge the gap between business and labor. The proposal contains elements from the roadmap he proposed last year, including increased objectivity for permanent disability, back to work incentives for both employers and employees, fraud initiatives and changes in State Fund.Garamendi said it's not crucial that his proposal become legisla
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