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Selected State Reforms And Their Effect – WCRI – Blogging Live


Selected State Reforms And Their Effect

Selected State Reforms And Their Effect – The Effects of An Increase in Maximum Weekly Temporary Total Disability (TTD) Benefits or Fee Schedules Impact On Medical Costs

  • Vector Of Injured Man Selected State Reforms With Broken Leg

    Indiana – 18% of injured employees had hit the maximum, after the reform – 12% of workers had their TTD benefits limited, a 6% difference and a 50% decrease

  • New York 48% of injured workers had their TTD benefits pre-reform 2007, after the reform- 15% of injured workers had their TTD benefits limited by the maximum.  That is a stark figure.
  • Illinois – Fee schedule rates were decreased in 2010, the medical costs decreased 30%, was there actually a decrease as Illinois fee schedule charges were very high originally. 2006 fee schedule reform could be viewed as ineffective Illinois was second highest fee schedule in the nation; office visits were affected more than many other types of services, WC office visits ended up being lower than Group Health or Medicare rates – (an over-adjustment?)

The two areas that seemed to have the highest impact were  the Illinois fee schedule subsequent changes and the New York maximum TTD benefit.


TTD Limits – Why do limits even exist in WC?  The limits were sufficient in 1915.   What purpose does the limits now perform, are these limits irrational?

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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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