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Opt-Out or Non-Subscriber Programs – New Report By Rousmaniere


Opt-Out or Non-Subscriber Report Just Published

A new report was recently released on opt-out or non-subscriber services for Workers Compensation.  The report can be found here.  The report should be given a thumbs up by all that read it.  Please note the report is a very large PDF that will require a PDF reader.

Keyboard opt-out or Non-Subscriber Programs

The report covers the current opt-out system in Texas. The in-depth report also covered the option proposal in Oklahoma.  Last year Oklahoma had attempted to get a non-subscriber bill through the Legislature without success.

A prolific Workers Comp author, Peter Rousmaniere,  had co-authored the report.  He and I discussed some of the findings at the LRP Las Vegas Workers Comp Conference as the report release was imminent.  We discuss Workers Comp frequently.  Peter has included me in some of his reports.  I always take that as a compliment to J&L and this blog.

Magazine opt-out Vector

Even if you are not involved with opt-out or non-subscriber services, it is worth your time to read the report in full.  This may be the face of Workers Comp in the near future.  Can Workers Comp really continue on it current path?  The answer is very likely – no.

When authors put some much time into a report, I usually do not critique it.  The report actually has a few areas of self-critique.   The one area that stood out was that no employees that are or have used non-subscriber benefits were interviewed.

Interviewing a few of the claimants may have shown surprising results as the injured employees are issued a Summary of Plan Benefits by their employer.  The employee must follow the employer’s rules.  These rules are not state-mandated including which injured employees receive benefits.

This is such a cutting-edge area in Workers Comp.  The report was a huge effort by all involved – kudos for their effort.   If and when Oklahoma passes any non-subscriber laws, the Workers Comp airwaves will be buzzing for weeks.

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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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