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Workers Comp Expert Witness – Tough Row To Hoe

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Workers Comp Expert Witness – A Niche’ ?

Being a Workers Comp expert witness over the years has taught me many very interesting experiences.    I thought I would cover a few of those which provided a lesson.

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Memorization

One cannot lull themselves into thinking that you can memorize the WC statute, rules, Rating Bureau information and other information.   The path to driving yourself crazy is to try to memorize all of it.   There just no way to store all that information and be a successful workers comp expert witness.

Each State Unto Itself 

Each state has established its own very unique set of rules.  If one wants to see how independent each state is from each other, just pull up their workers compensation statutes, rules, etc.   No two states are alike in all aspects.   There are similarities between states but I have yet to see carbon copies.

Rating Bureaus

The NCCI and WCIRB are the two most popular rating bureaus.   As with the general WC regulations, there are similarities between each state rated by NCCI.   Believe it or not, there are also similarities to the WCIRB ratings and NCCI.  NCCI has to check with each state to make sure that any NCCI rules are accepted by the state.

There are some examples in the press of where states have actually rejected NCCI’s ratings.  Without the differences between each state, the NCCI rating information and rules would be much smaller.

Multifaceted 

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Being a Workers Comp expert witness is a multifaceted endeavor.   There are many areas that can be considered a niche’ such as:

  • Agency
  • Policy
  • Claims Handling
  • Ratings
  • Premium Audits
  • Self Insurance
  • Many others

The list can be very lengthy.

The Key

One of the main keys to me in workers comp expert witness is how you dress and act overall.   Attorneys assess how you will look to a judge and jury just as much as your knowledge base during a deposition or in any written report.   Acting and writing professionally at all times can never be seen as a negative trait.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt 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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