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File Reviews – Eliminate Possible Big December Time Waster


File Reviews – A Big December Time Waster To Avoid

Most file reviews in December  are time wasters for all the involved parties.

The largest number of Workers Comp policies will renew 1/1/11. Long ago, when I was an Workers Comp adjuster, I used to be guilty of causing employers to use up time they could have been using more efficiently elsewhere. If this happens to you, stop these type of file reviews.

Picture Of Family File Reviews December Season

Agents, adjusters and other Workers Comp personnel seem to want to hold these big meetings the month before the expiration of your Workers Comp policies. These grandiose meetings center around your Workers Comp reserves. Show them the door as the December reserves have nothing to do with your Workers Comp E-Mods. I have written very often about the Unit Stat date.

Your Workers Comp E-Mod reduction program will need to start three months AFTER your policy renews – not in December. Starting sometime in March would be the best timing. This effort, of course, is for your next year’s E-Mod.

I will construct a mini-chart in my next post on when to start your Workers Comp reserve reduction program. Take a close look at it. This will be a great December as you will not need to review your Workers Comp reserves at the last minute.

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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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