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Missouri – TPA’s Fined Over $100,000 For Errors


Missouri Fines TPA Over $100,000

According to a recent press release from the Missouri Attorney General’s, Broadspire and Specialty Risk Services, settled with their office for over $100,000 total in fines.

Colton map of Missouri Geographicus
Wikimedia Commons – J. H. Colton

Missouri has taken a new tact on late reporting of injuries by referring the cases to the Attorney General’s office. Both companies had knowingly failed to report injuries to the Division of Workers Compensation. The time limit in Missouri is 30 days maximum.

Both companies admitted to violating the law, agreed to remain compliant for two years, and agreed to take necessary steps to prevent recurrence of future violations.

I do not understand the “knowingly did not report” part of the charges. Third Party Administrators handle claims for self-insureds. This means the employers did not avoid paying any premiums by the reports not being filed. It would seem to me the TPA’s may have been negligent in filing reports late by accident or possibly some type of electronic processing error.

Many years ago I was fined on a  file for not sending in the first report of injury. Things like this happen in the claims industry – but they usually happen by accident, as in my example. I am left with more questions than answers when I read the press release.

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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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