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Montana Has Highest Workers Comp Rates In The US


Montana Has Highest Workers Comp Rates Now

Montana has the highest workers comp rates.  According to an Oregon-based report as covered by the Watchdog,  Montana is the nation’s highest for Workers Comp Costs.

Picture Of Hand Pointing Workers Comp Rates Salary Increase

The Treasure State recently produced an RFP for a review of their Workers Comp system. According to the RFP, an outside audit has never been performed for its Workers Comp system. We were going to bid on the RFP, but it was too ambiguous for us to provide a bid.   J&L does not bid on ambiguous RFP’s.  You may end up contracting for something that was not expected at the beginning of the process.  The state is not alone when producing ambiguous reviews for WC reviews.

The other four states that topped the list were Alaska, Illinois, Oklahoma and California. The one that surprised me out of this list was Oklahoma. Oklahoma had basically used Compsource as the state fund, then privatized it on 1/1/10.

One has to remember in these studies that only certain variables are examined.   The title of the study should read “Out Of The Variables We Examined”.

I will research the study and each state in turn to see what caused the higher costs for Montana.

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One Response

  1. My understanding of Oklahoma is that litigation is driving a big portion of the cost there. While I have not seen a lot of claims in Oklahoma, the majority of the employer’s liability claims that I have seen in my career have been there.


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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