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Workers Comp Claims Savings In 7 Words – Written 8 Years Ago


Workers Comp Claims Savings In 7 Words Reprisal – Still True Today

The Workers Comp Claims Savings In 7 Words articles were very popular when I wrote them.    As with most things in the WC arena, the seven articles still ring true today.  The basics do not change.

picture of workers comp claims savings seven
Wikimedia Commons – Savingsgard

Please excuse the older articles if the spacing or any other attributes look a little off the mark.   The articles still need more “gussying.”

The 7 Mostly Encompassing Words with a link to each article are:

  1. Report – Check out this article on ASAP reporting from earlier this week – easiest one to accomplish
  2. Refer – Physician referral control results in cost savings on the medical costs and indirectly saves some of  the indemnity claim costs
  3. Return – A solid return to work program with #1 and #2 implementation will reduce indemnity costs greatly and indirectly the medical costs.
  4. Treat – If the injured employee thinks they have been treated well, the claims cost reduces quickly.
  5. Document –  Take great notes – always keep any documents handy with a proper records retention policy – back up everything
  6. Question – The old “if you see something, say something” quote applies very heavily.  Asking the proper questions saves cash
  7. Adopt – If your company does not adopt a program that you have created, #1 – #6 wastes your time.


The above list was produced in 2010.   I could have easily added another four or five.   Would I change any of the 7 words – No as I wrote up the basis for these in the late 1980s.   Workers Compensation cannot be described as a fluid (ever-changing) environment.    A concept from the past stays true most of the time.

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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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