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E-Mods LDFs Are Like Credit Scores From Hell NCPRIMA


E-Mods LDFs Are Like Credit Scores

Are E-Mods LDFs like credit scores from hell?  Over the past few months, I have presented this material at various conferences.   I thought I would attach the PowerPoint that I used at the NCPrima Conference last week.

E-Mods and LDFs_NCPRIMA_presentation 2015

Man Climbing on Credit Score Number E-Mods LDFs Concept

I have received a few requests for the PowerPoint slides.   Ironically, the projector would not work when I presented the slides.  Luckily, I had large-sized printed them on paper as a backup.

The interesting fact is all of the slides are taken from articles that were written in this blog over the last eight years.   I had combined them for presentations.  Actually, this blog was originally conceived as a way to have material on hand for presentations and to possibly write a book.

Credit scores have been used as an easy comparison to E-Mods and LDFs by me for a few years.   The differences between credit scores vs. E-Mods LDFs are just as important.

The presentation slides may not seem to make sense.   The links in the preceding  paragraph will explain much of the information on the slides.

The main theme of the PowerPoint slides is that credit scores can be much more easily changed than E-Mods.  The results of a credit file correction can show results in 30 days.    E-Mods have many limitations on how they can be changed once the Total Incurred is reported to the Rating Bureaus.

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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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