Vis Major means act of God or an unavoidable accident or calamity. Almost all insurance policies have a Vis Major clause in them. It can be the basis for a denial of insurance coverage.
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Workers Comp Emergency Room Visits – Very Touchy Subject This is my angle on workers comp emergency rooms as initial medical treatment providers. I am
In-person 2023 Workers Comp Conferences – Recommendations The 2023 Workers Comp Conferences are the true return to normal. One of the most common questions that
Workers Comp Medical Inflation Much Lower Than CPI Workers Comp medical inflation does not equal overall inflation. The following numbers surprised me. I was watching
Workers Comp Test Answers – Last Week’s Test These Workers Comp test answers came from last week’s test. In case, you missed the test, you
Your Favorite Workers Comp App? – My Favorite Revealed Over a decade ago, I started writing on my favorite workers comp apps – specifically Android
Workers Comp Knowledge Test – These Questions Are Not Easy Two of our most popular articles last year covered quizzes that tested workers comp knowledge.
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LCF Designation Question – Workers Comp Policy We have received this question in the last month from two risk management consultants. What does the LCF
Accountable Care Organizations (ACO) The accountable care organizations (ACO) are healthcare organizations characterized by a payment and care delivery model that seeks to tie provider reimbursements to quality metrics and
Term Of The Day – Wage Statement A wage statement is a necessary yet tedious part of paying a WC claim properly. The injured employee’s compensation
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:
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