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Home » Archives for March 2016

Archives for March 2016

Workers Comp Accident Rates Affected By Spring Forward

March 29, 2016 By JL Risk Management Consultants

Workers Comp Accident Rates Do Spring Forward

Picture of Files fallen in Locker Room Workers Comp Accident Rates Twice Per Year

123RF

Do Workers Comp Accident Rates twice per year?  According to a recent article I came across- not necessarily.

The one hour time change in the fall has no effect on accident rates.   The springtime “ides of March” time change does lead to a higher rate of accidents.

Two doctoral candidates found that a spike in injuries does occur every March.

In two separate studies, they found that the March switch to Daylight Savings Time resulted in

  • 40 minutes less sleep for American workers 
  • 5.7 percent increase in workplace injuries
  • nearly 68 percent more work days lost to injuries. 

In Canada, the accidents rate increases do agree with these two studies.   There was an 8% increase in accidents the Monday following the time change.

Car Accident Workers Comp Accident Rates Sheriff Reporting Car Crash

StockUnlimited

Traffic accidents do rise sharply on the Monday after the March Daylight Savings time change.  In fact, a long term study showed a 17% increase in traffic accidents on that Monday.

Finding any rating bureau information that is specific to a certain date each year was difficult at best.

A 2009 Journal of Applied Psychology study concluded that miners had a 40 minute sleep deprivation which resulted in a 5.7 increase in accident rates for the Monday after the March time change.   The Workers Comp accident rate for this one industry may not be reflective of all industries.

©J&L Risk Management Inc Copyright Notice

Filed Under: accident rate Tagged With: daylight savings time, journal of applied psychology

WCRI Conference Blogging Live – Sharing Economy and WC

March 11, 2016 By JL Risk Management Consultants

WCRI Conference Blogging Live

The WCRI Annual Conference Blogging Live 2016.

Presenter – Dr. Robert Hartwig- Insurance Information InstitutePicture of Conference Blogging Live Sharing Economy

Angie’s List

On Demand Economy

Handy

TaskRabbit

Washio

Wedding Wire

My Move

AirBnB

lyft

Uber

Insurance solutions are increasingly available for the sharing economy.

Regulatory issues remain

Gig Economy – Employee vs Contractor – Uber Lyft, TaskRabbit

In 2020, 80% of adults may own smartphone

Temporary Work rate has grown heavily – peaked in 2010 at 13.6% growth rate

Technology is transforming labor

Good job was created in the Industrial Age

Two schools of thought –

Tech decentralizes employees

Haves >>>needs without the use of a corporate structure

Low skill workers are further left behind

Employee vs. Independent Contractor court decisions are going to be even more critical

Gig Economy

  • 61% make
  • Race
  • All attributes are higher injury risks

Offerors of Gigs think that the workers are being exploited

Half of Gig offerors oppose regulations

Missed opportunity for Workers Comp insurers 

Will robots and automation destroy the Gig economy

Who owns the data?  Where does it flow?  Who does the analytics?  Who is the capital provider?

Fitbit – Wearable tech

Ingestibles and implantables  

Insurance industry is not laggard in the economy – have always been on the forefront for coverage

Questions – any job that you do that is repetitive and has a database of your job duties makes you very replaceable

Surge in temporary employment affected full time employment

Download presentation at www.iii.org/presentations

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: Dr. Robert Hartwig, Gig economy, Sharing economy

WCRI CompScope Blogging Live – State of States

March 11, 2016 By JL Risk Management Consultants

CompScope – State of the States – WCRI – Blogging Live

States of the States WCRI CompScope annual conference 2016 Blogging Live.

Picture of Annual Conference CompScope Blogging Live

Wikimedia

Preliminary  Research  – Subject to change –

Two New States  – Kentucky and Georgia are being added to the CompScope(R)

Wage Loss States that have wage loss and PPD – North Carolina and Georgia

Wage Loss states are not PPD states –

Georgia 

TTD = Temporary Total Disability

Georgia is a combined PPD and Wage Loss state

TTD benefits paid – No maximum medical (MMI) in Georgia

TTD maximum weeks = 400 weeks

Maximum 300 PPD Weeks

Georgia – one of higher states for TTD – median state $18,313

Georgia – Approximately $26,000 per claim average on TTD

Weekly TTD benefits rate lower than median state

Average duration of TD benefits  were lower than median state

40% lower statutory maximum

31% of claims were limited by maximum TTD rate – highest of all studied states

Georgia and North Carolina had the highest rate of lump sum settlements

Big Conference Room CompScope Empty

Wikimedia

Georgia had:

  • higher medical benefit involved in PPD settlements  than median states
  • higher litigation related expense than median state
  • higher  payments for defense attorney than the median state
  • is based on an administrative system

Kentucky 

No TPD – Temporary Partial Disability

Longer Temporary Total Disability period

Kentucky is close to median state for TTD length

Kentucky  was:

  • PPD benefit payments were higher than the median
  • Close to median state were for benefit delivery expenses
  •  Medical-legal services expense were much higher than the median state

Medical trends across the States 

Half of studied states – had a moderate growth rate in medical costs

The other half had very low growth rates in medical costs

What factors caused the very low growth rate?

  • Illinois –
    • 30% reduction in fee schedule rates 
    • 29 different fee schedules in the state (regions) were reduced to 4
    • 76% higher than Medicare fee schedule rates
  • North Carolina  –
    • Outpatient hospital -utilization per claim lowered
    • Fee schedule reduced outpatient charges from 95% of charges to 76% of charges
    • 2013 – froze rates – cut by 15%
    • Outpatient hospital rates were tied to Medicare rates in 2015
    • Goal – balance out hospital charges with non-hospital charges
  • California  –
    • SB 863 effects
    • Reduced ASC rates from 120% to 80% of Medicare outpatient hospital rates
    • Trend of billing frequent complex office visits stopped in 2014
    • Neurological testing fees reduced by 43.6%
  • Louisiana –
    • Colorado – based guidelines introduced
    • Decrease in medical visits per claim possibly due to changes in 2011

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: blogging live, highest rate

WCRI Conference -Blogging Live – Opt Out 2nd Panel

March 10, 2016 By JL Risk Management Consultants

Opt Out 2nd Panel – WCRI Conference

These are the Opt Out 2nd Panel of WCRI conference  blogging live.

Rating of Opt Out 2nd Panel Events

Wikimedia

Presenters –

  • Bruce C Wood- American Insurance Association
  • Elizabeth Bailey- Waffle House
  • Alan Pierce – Workers Injury Law and Advocacy Group
  • James Mills- Oklahoma Insurance Department

Great Panel

Bruce Wood- Basically not a proponent of Oklahoma Opt Out – Is flawed and should be enacted

Elizabeth Bailey – Waffle House- Texas Opt out only – no Oklahoma

  • Texas WC system was broken
  • Medical providers were cost drivers not attorneys
  • Lifetime medical benefits

Key Benefits-

  • Cost reduction
  • No litigation – virtually
  • Medical provider selection
  • Plan flexibility
  • Improved workplace safety program
  • Improved communication
  • Decrease in claim cost
  • Claims cost reduced 57%
  • Indemnity costs down 99%
  • Overall savings $9.7 million
  • Indemnity claims were reduced from $6,502 per restaurant to $65
  • 5  litigated claims since 2003
  • Last attorney involvement was 2011
Hand Illustrating Opt Out 2nd Panel Insurance Icon

StockUnlimited

Waffle House = Impressive Employer with good communication 

Alan Pierce – we may be forgetting the employee in the process

  • Opt out is inconsistent with access  to administrative courts and due process
  • Workers compensation is not another Employer benefit plan
  • WC is a right owned by and owned to workers

James Mills – Oklahoma Department of Insurance

  • Consumer oriented
  • Most expensive Workers Comp state
  • Not data driven issue
  • Title 85 of Statutes
  • Work Comp Act Code
  • Used to be one of two court-based systems
  • Senate Bill 62 = Comprehensive reform > 200 pages
    • Opt Out
    • Residual Market reform

No more room at the table for any more parties in the Workers Comp process

Early medical treatment is a cost reduction driver

Oklahoma option will change and grow over time.

Question to James Mills concerning employee choice of medical treatment – is it a benefit?

Very good comment – lowering claim reporting does not equate to better safety

©J&L Risk Management Inc Copyright Notice

 

Filed Under: WCRI Annual Conference Tagged With: due process, Oklahoma, Texas non subscriber, Waffle House

WCRI – Blogging Live – Controversial Opt Out Panels

March 10, 2016 By JL Risk Management Consultants

Controversial Opt Out Panels

Graphic of Controversial Opt Out Panels Concept

123RF

The blogging live controversial Opt Out panels in WCRI

Two Presenters –

Trey Gillespie – Property and Casualty Insurers Association of America

Bill Minick – PartnerSource

Opt outs as a form of Workers Compensation coverage has been in Texas for quite some time.   Texas’s program has been successful.  Oklahoma is still the fulcrum of a recent controversial decision.

Opt out is ERISA based.

No admission of liability .

Many common exclusions.

Many of the cause of injury aspects  in the regular insurance market look very similar to the Oklahoma Workers Compensation Opt out rules.

However, there are  Conditions and Limitations:

  • Benefits stop if employee leaves the company
  • FMLA protections to 12 weeks
  • Reporting requirements (24 hour delay max)
  • NCCI say only 20% of  Lost Time injuries are reported within 24 hours.
  • 93% of costs are allocated to Lost Time vs. Medical Only claims
  • Medical plans are made by plan administrator
  • Medical benefits may be terminated before care ends- this varies greatly from regular WC coverage
  • Medically necessary – the cheapest way to treat, if no treatment in 60 day = termination of benefits
  • Continuing medical maintenance differs greatly from regular WC coverage.  Palliative care – whether required or not is not covered
  • Voluntary settlements are based on Plan Administrator evaluation
  • Often refers to “Dillard Decision”
  • Limited appeal rights
  • No payment of PPD (Permanent Disability) benefits are not covered.
  • Quote From Dillard’s decision – Injured workers not treated equally under opt out

Bill Minick presentation-

  • Same mutual goals
  • Determining Good Public Policy
    • Experiments -rigorous assessments
    • No anecdotal experiences
  • 1.5 million workers covered
  • 50,000 claims resolved annually
  • $0 spent by regulatory industries
  • $125 million annual claims cost
  • $1 Billion in direct written premiums over the past decade.
  • 1,000 private sector jobs
Woman Controversial Opt Out Panels At Office

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Benefits are mandated

Liability Exposures

Financial Security Requirements

Employee protections – safety such as OSHA

Disclosure rules

  • Written plan document
  • Definitely determinable benefits
  • Understandable

Fiduciary rules

  • Acting in employee’s interest

Claims Procedures

Enforcement- there are civil and criminal penalties

There is no perfect grand bargain

93 Texas settlements in Excess of $1 million

ERISA requires that Opt Out benefits are communicated to the employees in a language that they can understand  – Workers Comp has an issue with being mysterious

Immediate reporting requirement leads to better outcomes

Medical providers should be held accountable

Evidence based medicine

©J&L Risk Management Inc Copyright Notice

 

Filed Under: WCRI Annual Conference Tagged With: blogging live, Oklahoma

WCRI Blogging Live- Crossing State Lines For Medical Care

March 10, 2016 By JL Risk Management Consultants

WCRI Blogging Live – Medical Care

Picture of WCRI Blogging Live People of science During Medical Conference

123RF

This is the WCRI blogging live crossing States lines for Medical care

Ambulatory Surgical Centers (ASC’s) – in New York City vs. New Jersey

Preliminary Findings

Dr. Brogdan Savych – medical researcher and author  for WCRI

Shoulder Arthroscopies average ASC cost increased significantly from 2011 through 2014 – 25%+ per year.

Half of all surgeries in New Jersey ASC’s are from New York claimants

New York City injured workers treating in New Jersey – 326% more than New York.

Pennsylvania workers on the New Jersey border do not treat that much in New Jersey.

The questions I had on this session, but had to step away to take a phone call were:

  • Why did Pennsylvania workers not treat that much in New Jersey
  • Were the physicians from New Jersey recruiting the injured workers ?
  • What are the medical control statuses in Pennsylvania, New York, and New Jersey? 
  • Is there any upcoming legislation in any of these states that would change the treatment dynamics presented? 

I will definitely have to update this article after I read the conference manual on this presentation. 

____

Comment – Medical control in New York?   This article was from WCRI Blogging Live 

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: Dr. Brogdan Savych, medical control

California Medical Review and Dispute – Blogging WCRI Conference

March 10, 2016 By JL Risk Management Consultants

California Medical Review and Dispute Blogging Live WCRI Conference

California Medical review and dispute is a white hot topic amongst risk managers presently.  One of the hot sub-topics now is the amount of money charged for UR (Utilization Review) in California.  

Picture of California Medical Review National Healthcare System

123RF

One recent estimate showed that the cost for UR was more than the medical charges themselves.   The UR charges have grown steadily over the past ten years.  The employers have to pay the final bill for the UR charges either by paying an increased premium due to the rates and a higher XMod or budgeted funds for the self insureds.  

As this one is in the conference book, and there were so many great charts which covered so much great info,  I will cover this one soon.   I cannot give this section justice without reviewing the charts more closely.  I am trying to juggle doing interviews with the presenters and doing live blogging. 

Some of the more interesting statistics-

  • 1% of doctors accounted for 46% of IMR (Independent Medical Reviews)
  • 50% of pharmacy benefits go to IMR – no other medical service even close

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: Independent Medical Reviews, UR

Blogging Live WCRI Comparing Workers Comp Outcomes Across States

March 10, 2016 By JL Risk Management Consultants

WCRI – Blogging Live

Comparing Workers Comp outcomes across states WCRI blogging  live. 

Subject to Further Research

One of my favorite WCRI studies – hard work on this one

Dr. Savych  and Dr. Thumula (WCRI) – presenters

These two presenters presented the initial study data last year- 2015.  It was groundbreaking as no one or company actually telephone-interviewed 6,000 injured workers – amazing study

Four Key Outcome Measures 

The four areas examined were:

15 State Median = 14% for no substantial return to work – workers did not return to work or did not stay at work for 30 days.

Indiana had lowest rate of no return to work- 9%

Georgia had highest – 19%

To be able to perform cross – state comparisons  data was normalized due to differences in state laws, industries, 400 interviews in 15 states = 6,000 kept n (number of interviewees  same).

The comparison were all for injured employees with more than 7 days out of work.

Used SF-12(r) measurement instrument

Average injury severity was similar across the 15 states studied

Reported Big Problems with Medical care = 17%  – 15 state median

Two common reasons of medical care dissatisfaction were:

  1. Employer did not want to provide the care
  2. Diagnosis dissatisfaction

14% – 15 State Median – for big problems with getting desired provider

  • 36% of those were discouraged by employer to use this medical provider

Wisconsin has lowest rate of dissatisfaction with medical care = 9%

Florida has highest rate of dissatisfaction with medical care = 20%

Aging was considered as a control factor.

One future consideration is the states that allow employer or employee medical control.

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: blogging live, injured employees

WCRI – Blogging Live – Do Fee Schedules = WC Case Shifting?

March 10, 2016 By JL Risk Management Consultants

WCRI – Blogging Live – Case Shifting and Fee Schedules

Picture Of Doctor Case Shifting Writing In Patient Chart

StockUnlimited

WCRI WC Case Shifting and do fee schedules.

Preliminary Findings

Dr. Osleya Formenko – Author – Impressive- Received Her Doctorate From Our HQ City  Raleigh – UNC

Dr John Gruber- Dartmouth Institute

Dr. John Ruser – Presenter

There are many numerous articles on this blog concerning fee schedules

Workers Compensation usually pays more than Health.

Expect that claims shifting is more likely in the states that have higher WC rates than health.

Workers Comp is fee for service – more lucrative

The treating Dr. makes the work-relatedness call

Fractures lacerations contusions are obvious work relatedness

Back strain, knee strain, soft tissue

Dr. Gruber and Dr. Formenyko found that 20% increase in treatment prices  = 6% increase in WC claims vs health

The research indicated that there is a much larger cost factor than may be realized by the 6% when specific states are analyzed such as  Texas and Illinois.

The claims shifting for soft tissue injuries have more of an impact of case shifting to costs that are borne by employers in that state.

There will be further studies performed in the future to see if the number of WC cases / case shifting occurs in states that have a higher variability between health insurance and WC  rates ICD 10 codes, etc.

A great question- Some physicians have said that WC pays less than health insurance, research and data said WC pays more.

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: cost factor fee schedule, icd10

Blogging Live WCRI 2016 Yearly Conference – Ground Rules

March 10, 2016 By JL Risk Management Consultants

Blogging Live WCRI Conference 2016 Ground Rules

OK, so there are a few ground rules with blogging live WCRI Conference.

Text Graphic Of Blogging Live WCRI Logo

(c) wcrinet.org

  1. Please excuse any typos or any weird looking info.   I am trying to follow the presenters, not necessarily the slides they present as to include info that will not be seen or heard elsewhere.
  2. Some of this is preliminary  information- may have further study results.  I will note that in the blogging when applicable.
  3. Please forward these onto any interested parties.
  4. I may not be able to cover all the sessions – if you see one you like, let me know and I will try to include it.  My wrists tire out after a few sessions.
  5. If you like the sessions, most, if not all, of the studies are available for purchase at  wcrinet.org   The price is usually very reasonable.
  6. I was the first one to blog Workers Comp Conference live starting with this one a few years ago. 
  7. There are many other live blogs from the prior years WCRI conferences.   You can find the by searching  wcri blogging in the search box at the top right of this webpage. 
  8. Blogging live is quite a bit of work

 

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: ground rules, preliminary

What are Policy Endorsements – Are they important?

March 8, 2016 By JL Risk Management Consultants

Policy Endorsements vs. Dec Page

Repetitive Workers Comp policy Endorsements are one of the 10 Red Flags To Possible Overcharges.

The Policy Dec Page (also called the Declarations Page) is an important part of any policy.  Workers

Comp policies are no exception.  However,  some policies may have a more important – section- The Endorsements.   Why?

Signing Policy Endorsements Concept

(c) 123rf.com

The answer is simple.  A Workers Comp policy can be altered hundreds of times in a policy period.  Actually, the most I have seen is just over 100 times in a policy period.

Endorsements are usually emailed or mailed to an employer from the insurance carrier or through their agent.  Any endorsement should be read in full upon receipt.

Many times, the information enclosed may be a minor change.   The policies can be changed dramatically in certain cases.

As discussed in an earlier post, the major parts of a policy are Declarations, Insuring Agreements, Conditions, Exclusions, and Endorsements.

One can think of the Endorsement pages as Appendices where each additional Appendix modifies the policies and even earlier Appendices/Endorsements.

Two Businessman Policy Endorsements Signing Document

StockUnlimited

Other types of policies are no different.  I have just received an auto and home combined policy endorsement.  I read both of them very closely as should you with your Workers Compensation policies.

There are very strict rules on when a Work Comp policy can be endorsed by the carrier.  Each state has its own set of Endorsement rules.

In the age of scans and emails, the Endorsement documents may be emailed to your company lumped in with all of your business emails.   Make sure that you have your spam whacker let the emails in from your agent and carrier at all times.

Someone in your office should be responsible for receiving; reading; and bringing the emailed Endorsements to the attention of management.

Endorsements do have a function of simplification.  This keeps a policy owner from having multiple changes that are internal to a policy.  In other words, without Policy Endorsements, the complete policy would have to be read and re-read every time there was a modification.

©J&L Risk Management Inc Copyright Notice

Filed Under: endorsement Tagged With: agreement, conditions, exclusions, insurance, policy

2016 WCRI Annual Conference – Are You Going?

March 7, 2016 By JL Risk Management Consultants

2016 WCRI Annual Conference – Boston MA  March 9th – 11th

The 2016 WCRI Annual Conference is one to attend if possible.   I plan to attend and will be live blogging most of the sessions on March 10th and 11th.    There is  a special session on the 9th which I will miss due to other travel.

WCRI Logo WCRI Annual Conference Graphic

(c) wcrinet.org

I have live-blogged the past three conferences.  You will find me on the back row.  That is due to seeing the audience’s reactions as keys to important points.  It is almost as if I receive an instant-results survey of the key points.

The Opt-Out panels should be interesting now that there has been an adverse decision in Oklahoma Opt-Outs.   I was going to write an article on the adverse decision.  The WC buzz wire has been hit with enough articles.

Some interesting topics are:

IMPACT OF FEE SCHEDULES ON CASE-SHIFTING IN WORKERS’ COMPENSATION

As you may know from the many articles I have written on fee schedules, anything “fee schedule” always raises my interest.   Fee schedules and field medical case managers are two of the easiest Workers Comp risk management techniques available.

STATE OF THE STATES

Business People WCRI Annual Conference Room

StockUnlimited

Data wonks – take notice – this has been and will be a treasure trove of great statistical information.  WCRI does such a great job on graphing out the results – easy to understand.   They have added Kentucky and Georgia to their analyses.

THE SHARING ECONOMY’S IMPACT ON WORKERS’ COMPENSATION

Dr. Hartwig from the Insurance Information Institute is worth the price of admission.  He is presenting  this session.  His website is a great place for outstanding and unique data comparisons.

GEOGRAPHIC VARIATIONS IN HEALTH CARE

Dr. John Lurie (Dartmouth Institute) presented some of this information on a previous webinar that I checked out in 2015.   The webinar had an enormous amount of medical data and analyses.

You can check on the WCRI conference schedule here.

©J&L Risk Management Inc Copyright Notice

Filed Under: WCRI Annual Conference Tagged With: blogging, buzz, case shifting, travel

California Xmods = Heavy Penalty For Repetitive Accidents

March 1, 2016 By JL Risk Management Consultants

California Insurance Commissioner Approves 2017 Changes

graphic of two hand protect California Xmods insurance

StockUnlimited

California Xmods also known as Experience Modification Factors calculations are changing drastically in 2017.  A very important term for California employers  in the next few years is the term variable split point.

Split points are the amount at which the Total Incurred for a claim has much more of an effect on an employer’s X-Mod.

Variable split points are not the same as the split point changes enacted by NCCI over the previous years.   NCCI now has its split point set at $15,000 from $5,000 just a few years ago.  Search the term split points in the search box  for more articles on the changes by NCCI.

How variable split points work is the total expected losses for the Experience Period have much more of an effect than just the prior California split point of $7,000.  In other words, the size of the employer will determine the split point.

According to the WCRIB:

  • Approximately 90 Primary Threshold split points
  • Values range from $4,500 to $75,000
  • Ranges based on employer’s total expected losses in the experience period
  • Final values will be updated and proposed to Insurance Commissioner in 2016 WCIRB Regulatory Filing

The interesting fact is the effect on California Xmods may not be known until the Insurance Commissioner approves the final levels.

The most important fact is the 2017 and forward X-Mod system is going to punish employers that have repetitive accidents.   The concept of a variable X-Mod will also lessen the effect of one huge claim on a small
employer.

 

The claim amounts up to split point are used fully in x-mod calculation.  This is the same as NCCI’s split points with one major exception.

Map of California Xmods and Logo

StockUnlimited

Claim amounts above split point are not used in x-mod calculation.   One of the main differences between the NCCI and WCIRB split points is that NCCI still uses the Excess loss in its calculations.  NCCI excess losses are in a roundabout way – discounted.   California will be basically creating the split point as more of a ceiling.

You can find the PowerPoint(r) slides here on the changes to the X-Mods.

Unsafe smaller employers have already seen a major change to the way their X-Mods are calculated by the WCIRB.  I attended a 2013 WCIRB conference which introduced a new X-Mod formula that removed a credit for small employers.

The goal here is plain and simple- safety.

©J&L Risk Management Inc Copyright Notice

Filed Under: California. Experience Rating, Split Point, WCIRB Tagged With: Commissioner, drastically, variable

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About Me

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James J Moore
Raleigh, NC, United States

James founded a Workers' Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L's mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers' Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James's educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James's articles or interviews on Workers’ Compensation have appeared in the following publications or websites: • Risk and Insurance Management Society (RIMS) • Entrepreneur Magazine • Bloomberg Business News • WorkCompCentral.com • Claims Magazine • Risk & Insurance Magazine • Insurance Journal • Workers Compensation.com • LinkedIn, Twitter, Facebook and other social media sites • Various trade publications

 

Recent Posts

  • Workers Comp Claim Analytics – Looking For Miracles Under Every Rock
  • High Health Insurance Deductibles Cause Case Shifting – WCRI Study
  • Pennsylvania Employers – Workers Comp Premium Refunds Possible
  • Workers Comp Premium Auditor Does Not Know My Final Bill Amount?
  • Workers Compensation Fraud In New Jersey – Video Says It All
  • Medical Only Claims Adjusting – One Super Critical Task To Consider
  • PEO Data Session – NCCI Data Conference Earlier This Month
  • Report Medical Only Claims To Carrier – Saves Later Headaches
  • Workers Comp Bad Faith – Adjusters Look Back Over Their Shoulders?
  • Workers Comp Premium Savings Generated With Website Updates

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