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What Would Happen If Workers’ Compensation Ended Tomorrow?


Workers’ Compensation Ended Tomorrow – Then What?

If Workers’ Compensation ended tomorrow, what would be the result?

Picture of Man Stealing the Results Workers' Compensation Ended Tomorrow

One of the more prolific bloggers such as myself recently published an article that was titled “Without Comp.” I started thinking what would happen if Workers Comp was completely abolished for injured workers.

The most prevalent results would be:

  1. The loss of  the no-fault part of the system.  Ask Florida employers and citizens what that might be like for all of us.
  2. An outbreak of liability lawsuits that would clog the court systems for eons.  Employers would sue negligent employees.  Employers would be sued in civil court by their employees.  A very large legal mess would ensue.
  3. AFLAC stock would blow through the roof.  Disability policies would become similar to health insurance.  Every worker would have to sign up for one if affordable.
  4. The federal government would create the Affordable Disability Insurance Act with many exchanges.
  5. Safety standards would have to become more strict to the point of interfering with business.
  6. A shift in insurance companies from WC adjusters to more liability adjusters.  The retraining burden would make insurance carrier unprofitable for a few years.
  7. The legal system would shift to pure liability concerning injured employees,
  8. The vendors would have to adapt quickly, but what would the market look like after the end of comp?
  9. State WC systems would subsist for a few years with the claims run-off of the old claims.
  10. Many claims would be filed with an accident date of today.  Claims filing fraud would be rampant.
Man Sitting Wheel Chair Workers' Compensation Ended Holding Ball


And the list would go on and on…..

What do you think would be the results of WC ending tomorrow?  Could it really happen?


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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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