Workers Comp Audit Stress Reducer
Use It For Your Next Premium Audit

State of Texas Workers Comp Report Shows Progress and Savings


Texas Workers Comp Report Looks Very Positive

A state of Texas Workers Comp report shows progress and savings.  Texas and California always seem to be microcosms of what is occurring in Workers Compensation nationwide.  Last week, I came across the “Biennial Report of the Texas Department of Insurance To the 83rd Legislature.”

USA Marfa pano Texas Workers Comp Report panorama picture
Wikimedia Commons – Dschwen

You may want to follow the link to the report as Texas had and addressed many of the Workers Comp concerns that dominate the insurance news nationwide.  As I posted last month, due to Texas Workers Comp reforms, overall payments were reduced by 4%.   The medical Workers Comp payments were reduced by 2% during a medical inflationary period.

I wanted to cover a few points from the study:

  • With or without the reforms, Texas has always had a lower injury rate than the rest of the US
  • Average premium per $100 in 2010 was $1.38 – that is a very low figure
  • 1/3 of all employers in Texas are non-subscribers.  I was surprised at that high a % of non-participation.
  • Certified medical network have spiked in popularity and usage
  • Certified medical networks resulted in reduced medical costs
  • Not all medical networks are the same – there was some variability on costs, time to return to work, etc. between each network.
  • A majority of employers do not use Certified Medical Networks.  That should change over time when the obvious cost-reduction figures are reported on medical networks.
  • Prescriptions for non-needed drugs decreased 54%
  • Prescriptions for opioids were reduced by 10%.

Some of the study’s conclusions were tentative as best.  I did not include those figures.  Texas should be given credit for implementing reforms for such a large state.

©J&L Risk Management Inc Copyright Notice



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


Get the latest workers' comp news FREE!

This field is for validation purposes and should be left unchanged.