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WCRI Proves One of My Five Keys To Workers Comp Savings


Workers Comp Savings – WCRI Proves 4th Key

I wrote the Five Keys to Workers Comp Savings many years ago.  When a great research company agrees with a long-held point, that is always a great sign.  

Picture of Workers Comp Savings ancient number five
(c) 123RF

The Workers Compensation Research Institute (WCRI) recently published another great study.  

The study  Predictors of Worker Outcomes showed employees’ trust of their employers as being one of the “silent variables” that determined any upcoming return to work issues.  

A few of the statistics covered by the WCRI in the study were:

  • Workers who were strongly concerned about being fired after the injury experienced poorer return-to-work outcomes than workers without those concerns.
  • One in five workers who were concerned about being fired reported that they were not working at the time of the interview. This was double the rate that was observed for workers without such concerns. Among workers who were not concerned about being fired, one in ten workers was not working at the time of the interview.
  • Concerns about being fired were associated with a four-week increase in the average duration of the disability.

The WCRI study covered eight states. The eight states are Indiana, Massachusetts, Michigan, Minnesota, North Carolina, Pennsylvania, Virginia, and Wisconsin. The workers surveyed three years post-injury.  

The study results can likely be applied to all states as they were generic in nature. 

In 1986, I originally wrote and presented the Three Keys To Cutting Workers Compensation Costs.   I have since added two more Keys.  In 1989, I added Employee Treatment as the fourth variable.  The addition of a Sixth Key is in progress.

Graphic of Workers Comp Savings Medical Health Badge With Dollar Sign white Shadow
(c) 123RF.com

I had seen so many files were employees that were not treated fairly by their employer post-WC-accident.   These files always cost more as the injured employees basically negated all return to work efforts.   This caused longer periods of Temporary Total Disability and higher Litigation Expenses. 

I had access to a very large pool of public entity data in the late 1990s.  I decided that I would try to analyze the monetary value of not treating employees fairly post-injury.   The files where the employees had kept a good relationship with the employer and vice-versa resulted in an increase of 400% to the value of a file.  

There may be times when keeping a good relationship with the injured employee is just not possible.  Most of the time, the injured employee will respond positively to a fair-minded employer post-injury.  WCRI has proved that point in eight states, if not more.  

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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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