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NCCI Proves What We Knew All Along


NCCI Older Workers Study

A new report has been produced by the NCCI indicating that older workers do not account for a larger percentage of Workers Comp accidents than the overall employee population. In a way, the theme of the article seems that NCCI may have been surprised by the final numbers.

Picture Of Employee Doing Diagram Rate NCCI Worker Study Concept
(c) 123rf.com

We should all give kudos to NCCI as they could have swept the stats under the rug and just not completed the study. I have seen researchers just not publish a study when the forecasted numbers are not as expected overall.

I have attended a few NCCI conferences over the last few years. One of the main sections that had always been covered was the older worker concerns in the general worker population. I kept wondering if they were trying to say that older workers cause more Workers Comp accidents. The causation issue was never directly addressed at any of the meetings.

Teacher Helping NCCI Student In Computer Lab

Many studies on older workers have been performed by various research organizations along with state and federal governments. Unless I am mistaken, the studies usually agreed with the same conclusion drawn by NCCI. A German study on older workers seemed to agree in part with what NCCI had covered in their study.

One of the largest studies undertaken on the workplace on a worldwide basis seems to agree with the German study and the NCCI study.  The specific variables on age and work in the US can be found in the Sloan Center Report. If you skip down to page 21 and go from there, the results are very clear.

I thought I would throw in my two cents worth on why older workers are happier and safe workers. I came up with the following list:

  • Job satisfaction results in a higher level of organizational commitment
  • Older workers have a high level of job satisfaction
  • The level of experience eliminates the learning curve. As we all know, the most dangerous time is when an employee uses a machine or is assigned a new job task for the first time.
  • Organizational commitment also includes safety programs
  • Older workers have been around long enough to see the results of when safety programs are not followed – namely accidents.

This list is not comprehensive by any means. I am sure there are more that easily can be added to the list.

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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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