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Opt Out 2nd Panel – WCRI Blogging Live – Boston MA


Opt Out 2nd Panel – WCRI Conference

These are the Opt Out 2nd Panel of WCRI conference  blogging live.

Rating of Opt Out 2nd Panel Events
Wikimedia Commons – Fabrice Florin (WMF)

Presenters –

  • Bruce C Wood- American Insurance Association
  • Elizabeth Bailey- Waffle House
  • Alan Pierce – Workers Injury Law and Advocacy Group
  • James Mills- Oklahoma Insurance Department

Great Panel

Bruce Wood- Basically not a proponent of Oklahoma Opt Out – Is flawed and should be enacted

Elizabeth Bailey – Waffle House- Texas Opt out only – no Oklahoma

  • Texas WC system was broken
  • Medical providers were cost drivers not attorneys
  • Lifetime medical benefits

Key Benefits-

  • Cost reduction
  • No litigation – virtually
  • Medical provider selection
  • Plan flexibility
  • Improved workplace safety program
  • Improved communication
  • Decrease in claim cost
  • Claims cost reduced 57%
  • Indemnity costs down 99%
  • Overall savings $9.7 million
  • Indemnity claims were reduced from $6,502 per restaurant to $65
  • 5  litigated claims since 2003
  • Last attorney involvement was 2011
Hand Illustrating Opt Out 2nd Panel Insurance Icon

Waffle House = Impressive Employer with good communication 

Alan Pierce – we may be forgetting the employee in the process

  • Opt out is inconsistent with access  to administrative courts and due process
  • Workers compensation is not another Employer benefit plan
  • WC is a right owned by and owned to workers

James Mills – Oklahoma Department of Insurance

  • Consumer oriented
  • Most expensive Workers Comp state
  • Not data driven issue
  • Title 85 of Statutes
  • Work Comp Act Code
  • Used to be one of two court-based systems
  • Senate Bill 62 = Comprehensive reform > 200 pages
    • Opt Out
    • Residual Market reform

No more room at the table for any more parties in the Workers Comp process

Early medical treatment is a cost reduction driver

Oklahoma option will change and grow over time.

Question to James Mills concerning employee choice of medical treatment – is it a benefit?

Very good comment – lowering claim reporting does not equate to better safety

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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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