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Home » Archives for November 2016

Archives for November 2016

NCCI Affordable Care Act Analysis – With Political Twist

November 18, 2016 By JL Risk Management Consultants

NCCI Affordable Care Act Analysis Interesting Conclusion

The recent NCCI Affordable Care Act Analysis synthesized a very interesting conclusion.   The National Council on Compensation Insurance is based in Boca Raton, FL.  At first glance, along with this article, the NCCI estimated that removal of the Affordable Care Act would likely cost employers 3 – 5% in additional costs. 

Certificate of Affordable Care Act Analysis emblem from website

Wikimedia Commons – Careilly5801

Dr. Richard Victor (former WCRI CEO) had performed an exemplary cost analysis of case shifting from health to Workers Comp, not vice-versa as was implied by the recent NCCI study.

The NCCI Affordable Care Act Analysis front page can be found here.    One can likely draw the conclusion that a reduction in obesity by the existence of the ACA would cut Workers Comp costs.   I could not wrap my head around that conclusion without reading into the study further.

When the word might appears in a study conclusion, I immediately look to see what statistical basis the conclusion was drawn from overall.   The initiatives by the Affordable Care Act would supposedly reduce the obesity rate from 35% to 25% which could reduce WC costs indirectly.  

Graphic Of Statistical Analysis Affordable Care Act Analysis Logistic

(c) StockUnlimited

However, the obesity rates in the US have never been reduced, but instead have increased each year.    I even perused the appendices to see if there was some type of statistical analysis drawn.   However, there was just nothing there.   Earlier this month, I had written an article on the associated study that the ACA does not crowd out WC patients’ access to care.

More reading and analysis may be required for me to draw any final conclusions.   As of now, I just do not see the supporting statistics for the 3 – 5% reduction in Workers Comp costs.   The NCCI Affordable Care Act analysis may be somewhere else on their website.  I will keep searching.

Please note – I wrote this story with jet lag and being stranded in a foreign airport.   If I missed something, please add in the comments section or email me.  Thanks.

©J&L Risk Management Inc Copyright Notice

Filed Under: NCCI, Obamacare Tagged With: Boca Raton, jet lag, obesity, statistical analysis

President Elect vs Workers Comp – What Did Trump Say?

November 15, 2016 By JL Risk Management Consultants

The President Elect vs Workers Comp – A Search 

Will the President elect vs Workers Comp play nice together for at least the next four years?    I decided to attempt a Google search to see if Mr.  Trump has ever mentioned  WC.     You can do the same search here by clicking this link. 

Trump President Elect vs Workers Comp Picture

Wikipedia – Sgt. Jette Carr

Many articles mentioned Mr. Trump and Workers Comp.  Most mentioned the two terms indirectly or were just purely one-sided political articles.    The articles were not that analytical nor were they informative.   Most were making fun of him as a candidate – oh my. 

Many articles are in the blog that point to what happens if one candidate or another would win an election.   The articles on Romney vs. Obama pointed out a major fact.   The local races will have more of an effect on Workers Comp.    Workers Comp operates on a state-by-state basis.

For instance, the current North Carolina  Insurance Commissioner lost his reelection bid after holding the position since 2009.    The Governor’s races would have some effect. 

A state insurance commissioner race affects the Workers Comp rules and laws much more than a Federal level post or elected office.   A possible outcome builds off the fact that the economy may improve over the next four years.  As workers return to or try new jobs, injuries will spike or at least increase enough to be noticeable.  

The President-elect vs Workers Comp may never be an issue.   We shall see. 

©J&L Risk Management Inc Copyright Notice

 

Filed Under: President Trump Tagged With: local races, reelection bid, Romney vs. Obama, Wayne Goodwin

NCCI Affordable Care Act Analysis – Interesting Study

November 3, 2016 By JL Risk Management Consultants

Venerable NCCI Affordable Care Act Analysis 

The  NCCI Affordable Care Act  (ACA) study was taken from their  Workers Comp Update 2016 Fall Edition (page 54 of PDF).  Please note that this is a large file.   If you are working in the Work Comp industry, it may be worth your time to download the publication.    The NCCI (National Council on Compensation Insurance) is headquartered in Boca Raton, Florida.   They provide Workers Comp ratings for approximately 40 states among many varied data services. 

Analysis Presentation NCCI Affordable Care Act Of Woman Vector

StockUnlimited

WCRI (Workers Comp Research Institute) has published a few articles and studies on the probable/possible case shifting caused by the ACA to Workers Compensation.   In fact, Dr. Richard Victor (Former President) presented the WCRI’s findings at their 2016 Annual Conference in Boston.  Dr. Victor inferred t there was some evidence, while preliminary, that due to the ACA, there was case shifting from health care to Workers Comp.   You may wish to follow the links for further reading. 

Leonard Herk, PhD, Economist,  performed a hybrid study of the accessibility to Primary Care in the year before and after the enactment of the ACA.   Dr. Herk examined the differences between urgent care treatment access in the years 2013 and 2014.   Just coming up with a baseline for comparison was very unique. 

Conclusion 

The conclusion drawn in the study was that the ACA  primary care treatment did not “crowd out” the availability of Workers Comp treatment in the same urgent care centers per each state.    The ACA numbers included Medicaid, expansion in certain states.    

Medical Set NCCI Affordable Care Act Icon

StockUnlimited

The other side conclusion – 68% of the first 90 days of primary care treatment occurred in the first 10 days of a WC claim.   That would be expected, as WC claims age, the likelihood of referrals to specialists away from primary care would increase heavily within the first month. (my conclusion).  

I hope this NCCI Affordable Care Act study will be updated periodically. 

©J&L Risk Management Inc Copyright Notice

Filed Under: NCCI, Obamacare Tagged With: ACA, crowd out, Leonard Herk, PHD

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James J Moore
Raleigh, NC, United States

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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