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NCCI Affordable Care Act Analysis – With Political Twist

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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.

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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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