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Death of Workers Comp – Have We Seen Beginning?


The Death of Workers Comp – Cometh?

Have we seen the beginning of the Death of Workers Comp?I have posted many times on the term that I coined – The Federalization of Workers Compensation.

Picture of Man Sitting on Big Bomb death Of Workers Comp

The recent House vote on healthcare could be the first step to 24-hour health coverage. Traditional Workers Comp insurance would not survive if the federal government decided to experiment with covering individuals under a modified health plan that would also pay monetary benefits.

Is this possible? It exists today and is known as AFLAC. The AFLAC model could be applied to health insurance and therefore alter the Workers Compensation markets greatly. I am looking at a 7 – 10 year time frame.

If anyone does not feel that the federal government could move into the Workers Comp space so quickly, one only has to be reminded of how fast CMS and the Medicare Set-asides have changed the Workers Comp landscape.

I do not necessarily think Workers Comp will be wiped out completely. However, I think that anyone that has Workers Compensation at the core of their career should remain very flexible over the next 10 years.

Increasing your knowledge and education in Workers Comp will pay off in a huge way.   The designations that one can acquire are almost endless.  Check out this page to find one that fits you or try The Institutes website 

Also Read: Reopened Workers Compensation Claims – Watch Them Closely

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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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