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Monopolistic North Dakota Third Look At Its Workers Comp Program


Monopolistic North Dakota Audits WSI Thrice

I used to post often about the plight of monopolistic North Dakota Workforce Safety and Insurance (WSI). The WSI is responsible for the administration of North Dakota’s Workers Comp program. The WSI has had many trials and tribulations as one of the last remaining monopolistic programs in the country.

Graphic WSI Monopolistic North Dakota State with buffalo

Monopolistic Workers Comp programs are ran by the state. They do not allow any sort of competition from the insurance markets whatsoever. I recently came across an article where an unnamed third consultant was going to examine whether or not there were inappropriate denials where benefits should have been paid to the injured workers.

The first consultant, Marsh, said there were 16 files that indicated benefits should have been paid to the injured workers. This was part of a much larger file review. The claims were instead denied and defended to pay no benefits. A second audit was performed by Connolly and Associates. They found no wrongdoing.

Why is there actually a need for a third audit? Marsh had said out of a group of files some of those should have had benefits paid and then Connolly found nothing wrong. Why go to the expense of having a third review company look at the files? Nothing is going to change the monopolistic North Dakota numbers.

In the file reviews that we have performed, we have found files where benefits should have been paid. However, that was OUR OPINION. We were not there to handle the files. The TPA or carrier took corrective action and that was the end of it.

Also Read: Monopolistic Workers Comp States Examined Further

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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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