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Bad Santa Grinch – Did Workers Comp Make Me One?


Bad Santa Grinch – Yes I Was Mean And Green Every Year

The Bad Santa Grinch creator
Wikimedia Commons – Al Ravenna

The bad Santa Grinch Workers Comp made.One of the most disturbing trends in my WC career occurred every Christmas.  I started my career in claims.

 Every year just before the Yuletide I was told at least once – “My family, kids, etc. will not be having Christmas because of you.”

That statement disturbed me for the first few years.  A claimant would usually not return to work, have their claim denied, etc.  After a few years I became jaded to the statement.   When I became a claims supervisor I thought – well, I will not have to hear than again – Au Contraire,

I would usually have to handle an even more upset person telling me that if I did not overrule the adjuster and send out their check, the adjuster and I both were ruining their Christmas.   At least I had another Grinch to feel bad with me.

Graphic Of Bad Santa Grinch With Brown Dog
Wikimedia – Dr. Seuss

When I reached the managerial level, I thought there is no way that I will ever have to handle the ubiquitous mad injured employee saying that I was the Bad Santa Grinch.  Once again, the person made their way up the line from adjuster to supervisor and then to me.  They did not actually call me Bad Santa Grinch by then – the term was much more graphic.

As I started my WC consultant company, I thought – well, no more years of hearing that I was Bad Santa Grinch for not mailing  the benefits check.   I did not hear that for a few years until I decided to assist with a file runoff of self insured claims.

My Holiday was complete that season as an injured employee told me that unless I mailed out his RX reimbursement check, there would be no Christmas at his house.  I was so used to hearing that I was Bad Santa Grinch that it almost warmed my heart.

If anyone would like to make me get into the Holiday spirit, please feel free to call or email me and let me know that I am the Bad Santa Grinch.

**Please note that no checks were due the claimants mentioned in the story.  I was not holding any check just to be mean.

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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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