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Where Is The Declarations Page (Dec Page) In A Work Comp Policy?

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Declarations Page – Critical Workers Comp Term

The Declarations Page is the first page of an employers Workers Compensation Policy.    The Workers Compensation industry term is Dec Page.  In fact the Dec Page is actually an insurance industry-wide term and not specific just to Workers Comp. 

calculator with Declarations Page paper and pen
Wikimedia Commons – Steve Buissinne

If your company’s Senior Management or owners do not understand what the terms mean on the Declarations Page, you may want to review it at a meeting.   If anything looks amiss on the Dec Page, you should contact your agent to explain any inconsistencies or if you have any questions.   Using the venerable policy tool known as the highlighter will make reviewing your Dec Page and policy much easier. 

The purpose is to condense all pertinent information on your policy. A Dec Page will show the insured’s name and address, an estimate of the expected payroll, class codes, discounts, rates and credits. It is also where the term of the policy, policy number, and a list of attached endorsements can be found.

The Declarations Page starts the policy pages.   The full policy pages consist of:

  • Declarations Page
  • Inclusions
  • Conditions
  • Exclusions
  • Endorsements 

For the easiest way to remember the policy parts  use the acronym DICEE.  

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James Moore

Raleigh, NC, United States

About The Author...

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

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