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North Dakota Workers Compensation Program Woes


North Dakota’s WSI

If you have been reading any of the recent Workers Comp publications, you may have seen some mention of North Dakota’s very intense problem with their Workers Comp Department – Workforce Safety and Insurance, or WSI.

Graphic of North Dakota's With Buffalo emblem

I have read at least 20 articles on the investigations of the WSI. They have been and will be, subjected to numerous audits over the next few months. People have been jailed, only to be reinstated into their position and then fired again.

We had reviewed a Claims Processing Audit RFP for the WSI that wanted all of their claims to be audited going back five years. This was a big task to do as the requirement was to be locally on-site in February. So many of our Worker comp claims reviews have been electronic since 2001, but the WSI did not have the data structures to enable an electronic review.

All this is a symptom of one main problem, and that has been what I have said since the 1990s about states that handle their Workers Comp insurance programs like North Dakota. What is the problem? Check out the next post.

PS I just wanted to say that any of the personnel we had dealt with from the State of North Dakota were friendly, thorough, and very professional.

Up Next – What is the problem?

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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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