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Work Comp Secret Question You Can Ask Anyone


The Work Comp Secret Question Is?

What is the work comp secret question to ask anyone who deals with your Workers Comp to see if they understand the whole Workers  Compensation picture? The answer – you will need to contact us here to find out. It is a good one that I use very often. I have busted quite a few so-called Workers Comp gurus with it.   Agents should know this term.  Many brokers do not know it.    I estimate that 90% of the worker’s comp community does not know the correct answer.   However, many probably should not have remembered this oft-misquoted fact.

Girl And Boy Whispering Work Comp Secret Question Picture

It is a basic function of the Workers Comp process.  The secret question is not hard for someone who understands the Workers Compensation insurance, rating, and Experience Modification Factor cycles.

I use the answer to the question often when dealing with experts(?).   Some guru(?) will say – my state has an exception to your answer.  I say – no any state that I have ever worked with over the last 30 years.

One more housecleaning item – I have been jumping around trying to give a good overall view of Workers Compensation. I will go back into the archives from the last few months to see if any Work Comp matters that I brought up need to be finished – have the loose ends tied up.

Check the bottom of my last blog to see how to get a ton of free info from our https://cutcompcosts.com/ website.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management 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


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