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Home » Archives for August 2019

Archives for August 2019

NCCI Virginia 2019 Advisory Forum – Something Not Seen Since 1931

August 29, 2019 By JL Risk Management Consultants

NCCI Virginia 2019 Advisory Forum – Updates 

I decided to try blogging the NCCI Virginia 2019 Advisory Forum live.  I am using a mini-laptop so if I make mistakes – sorry.

Photo DMI Conference NCCI Virginia 2019 Advisory

Wikimedia Public License – DMI

If you can make it to one of these forums it is only two hours long and so full of data your head will spin -in a good way. 

The PDF for this NCCI Virginia 20019 Advisory Forum can be found here (PDF file)

National Statistics 

The Combined Ration s the lowest since 1931 (post-depression?).   Insurance carriers overall had a 17% profit level due to Combined Ratio of .83.   Yes, that is right – .83.  /that is totally amazing.  Does this mean the Workers’ Compensation market is healthy? 

The net payroll increased due to a new tax law in 2018 that made the offshore tax advantages less, so the offshore ceding to a foreign carrier was brought back onshore. 

Loss development is decreasing over time – possibly due to addressing the opioid epidemic.  In my opinion it was due to the fee schedules enacted lover the last few years. 

Virginia Statistics 

For 2017 Virginia had a 1.5% decrease in Indemnity claim severity. The medical indemnity claim severity decreased by 7.8%.  

The average Loss Cost level change is -10.7%. The decrease  The Contracting industry group was reduced by 12.6%.  

Virginia Residual Market 

Virginia Assigned Risk Plan has 6.% of the total market share.  NCCI administers the Assigned Risk Plan for 21 states.  16,516 policies were issued in the Residual Market.  (Residual Market = Assigned Risk Plan) 

The average Assigned Risk Plan policy in Virginia is $3,700. 

National and Virginia Labor Market Statistics 

Picture of Man Working NCCI Virginia 2019 Advisory Construction

Wikimedia – LeBlanc Construction Photos 2012

Virginia has slower than the National labor market growth.  The Average Weekly Wage has increased by 3.6% for 2018. 

Virginia lost 3.8% employment in Information Technology.  The number is usually negative.  the Natural Resources and mining payroll increased by almost 10%.  

The average unemployment rate in Virginia hit an all-time low of 3.0%.  

Virginia Legislative Activity

HB 2022 removed Statute of Limitation for injured workers. 

Medical Data 

Hospital paid amount for in-patient per stay was $40K+.  The national average was 30k.   ASCs were 50% higher than the national average in Virginia.   

I did not include much of the medical data as the new Virginia fee schedule will change the numbers greatly over the next few years. 

24% of Worker Comp RX’s were opioids. That figure is the same as the national figure. 

Rotator cuff tear was the most expensive claim in Virginia at $44,000 on average. 

NCCI video of how Workers’ Compensation has helped injured workers return to gainful employment.  

The two NCCI Virginia 2019 Advisory Forum presenters were David Benedict and NCCI Actuary Jay Rosen.  

©J&L Risk Management Inc Copyright Notice

Filed Under: NCCI Conferences Tagged With: Information Technology, mini-laptop, Rotator cuff tear, two hours long

Worker’s Comp Policy Questions – Readers Top 10 Questions

August 22, 2019 By JL Risk Management Consultants

Worker’s Comp Policy Questions Received From Readers and Google Searchers 

The number of Worker’s Comp policy questions we receive by email, contact form, and phone increase exponentially July through September of each year.  I decided to answer some of the questions received over the last three years.   

painting workers comp policy questions bug search

US Congressional Library – WD Goldbeck painter

Is reading my Worker’s Comp policy worth the time? 

Yes.  If you look at the policy as a contract between you and the insurance company, the perspective might change a little.   The review will be worth your time.   When companies continually review their worker’s comp information, we usually note a drop in their premiums, or what their premiums would have been without the policy review process. 

When should we start the policy review process? 

Pull up your policy now on your computer, phone, tablet, or print it out for the old-school review.  Read it using a very powerful policy review tool. Check here for that tool.   Great, now read the policy From the back to the front.   Yes, read it backward.  Why?  Because many readers with worker’s comp policy questions stop in the middle.  

Can I just let my agent review the policy for me? 

Do not leave the policy review solely to your agent.  Most of the agencies/agency we assist love the fact that their client insureds involve themselves with the policy process.  I have never heard an agent not want a client to become more involved in a policy procurement process.   99% of the agents want your feedback.    As mentioned in the previous heading, insureds usually see a premium reduction just by becoming more involved in the policy process. 

Is the Declarations Page really all I need to review?

The Dec Page represents the “meat” of the policy.   Let us call it the main part of the policy.   Only reading the Dec Page compares to test-driving a car without lifting the hood.  Your company needs to review the policy beyond just the Dec Page.   If you only have a limited amount of time, then review the Dec Page first.   

We receive Policy Change Notifications infrequently – Are those considered part of the policy review? 

Picture of three women workers comp policy questions reviewing papers

Wikimedia Commons – John Budnik

Most definitely.   The last section of the policy is referred to as Endorsements.  Endorsements to the policy change the original policy.  Endorsements may also change the prior endorsements.   We recommend an old-school review of any endorsements.  Endorsements remain just as important as the Dec Page.  Print them out.  Review them very closely.  Most endorsements cover minor changes.  Some can be major. 

For example, if your company’s operations move into a new state, the policy may be endorsed to include coverage for that state.

A policy can be endorsed an unlimited number of times.   

You mentioned policy parts – what are those?  

Think of the acronym DICEE.  I learned the parts of ANY policy many years ago using this acronym.   Your auto, home, etc. policies all have these same parts.   

  • Declarations including definitions
  • Inclusions also called Insuring Agreements
  • Conditions,
  • Exclusions and
  • Endorsements.   

Check here for some great reading on the parts of a policy.   Some policies also contain policy forms, riders, and jackets.   

What if I do not have the time to read a long boring policy? 

Open Book of workers comp policy questions with magnifying glass above

Public Domain – Julo

Can you delegate it to a co-worker or assistant?  One of the best ways to have someone to review your policies – not just for Worker’s Comp policy questions – is by hiring a college intern.  Do not ask them to work for free.   Give them a little training before they start.  Let them use this blog as a reference tool.  

We have incorporated many ideas that originated with a college intern asking questions and adding value such as incredible spreadsheets for analysis and other great contributions.  

The “outside looking in” vantage point of a college intern makes a company rethink some of its operations.  

We want to switch carriers in the middle of our policy term –  Can we switch? 

Yes, but almost all carriers charge what is called a short rate penalty for changing to another carrier mid-policy.   The penalty can be very substantial until near the end of your policy period.   The short rate penalty + the new policy premium totals to a large chunk of the budget.  You may also alienate your agent from your business operations.   

We do not want to discourage your company from making business decisions such as moving a policy other than the financial considerations. 

How do premium audits fit into a policy review? 

An employer should think of a premium audit as the final closing process of the policy.   Premium audit results and bills should be thought of as the most important Endorsement to your policy.   Premium audits should be reviewed line-by-line with the premium auditor’s workpapers as a guide.   We provided a large number of articles on premium audits for your review.  

We just received our Rating Bureau Worksheets – What do we do with those? 

Man writing on sheets workers comp policy questions on the table

Wikimedia – Public Domain

The rating bureau worksheets should be viewed as another policy endorsement of sorts.  Your experience modification factor represents your risk factor.  The E-Mod or X-Mod can cause your company to pay a large amount of additional premium.   Reviewing the worksheets can be a confusing task.   

Bonus  Worker’s Comp Policy Question – What Is The First Step To A Policy Review? 

Just getting involved with the worker’s comp policy process can be a good first step.   Health insurance seemed to be the most important budget item.  Now, employers have become more inquisitive on this large piece of their budget.    We now receive many more worker’s comp policy questions than even 18 months ago.   

 

©J&L Risk Management Inc Copyright Notice

Filed Under: workers comp policy Tagged With: college intern, inquisitive, perspective, test-driving, vantage

Workers Compensation Numbers Employers Must Have At Their Fingertips

August 14, 2019 By JL Risk Management Consultants

Keep These Workers Compensation Numbers Close For Quick Access

The first two main workers compensation numbers involve knowing where your worker’s compensation program is currently. 

compass picture workers compensation numbers direction

Wikimedia License – LeCire

If you do not know where you are, the task of knowing what to do to improve your numbers becomes extremely difficult.  Use Your CompCompass(c). 

  1. Experience modification factor – this number heavily relates to any employer that has a voluntary market policy.  The E-Mod is the same as a  personal credit score. Like it or not, your whole worker’s compensation program will often be judged by this one number. Knowing your company’s last three E mods will help you know where your worker’s compensation program is going and where your program has been over the last five years.
  2. For self-insureds, their main number that corresponds to #1 one above is the loss development factor or LDF.   The LDF covers a longer period than the experience modification factor.  The LDF is an actuarial measurement that involves the Ultimate Loss values.  The LDF can vary amongst actuaries and statisticians. The main concern with an LDF is that it is an opinion, not an exact number such as the experience modification factor.
  3. Days away from work – if your company has had personnel on temporary total disability, knowing this number over the last three years will enable you to judge your return to work program. You can also benchmark those against the BLS statistics. 

    Picture of workers compensation numbers disabled parking place

    Wikimedia License – Tdmalone

  4. Loss Ratio – this number can be calculated by dividing the premiums paid by the amount of losses for any year. One should be very careful with the Loss Ratio as it only looks at a very small window of time. However, it is a better indicator of your present loss situation versus the experience modification factor above
  5. Losses up to the amount of 15,000 – this number can vary in each state. The rating bureaus refer to this number as the primary loss. The primary loss is the most expensive part of your claims history. When calculating your experience modification factor a company has to be very careful when looking at a small claim as being less harmful to their E Mod. As the old saying goes, five twenty thousand dollar claims do not equal one $100,00 claim.  The five $20,000 claims will likely cost 300% more than the $100,000 claim.   
  6. Medical only claims that have reached $5000 in total. I copyrighted the term claims festering to describe this situation. Once a claim that is unmonitored by the claim staff because the employee is working reaches a point where further medical intervention may be needed, it is often too late, and the claims snowball will start rolling down the hill.
  7. For self-insured, Allocated Loss adjustment expenses or ALAE can be crucial to controlling your worker’s compensation budget. For instance, in California, the amount to deliver one dollar of benefits is strikingly $0.53. ALAE is one of the truly hidden costs of being a self-insured employer
  8. Lag time – the insurance carrier or for self-insureds Third Party Administrator tracks this number very
    Woman workers compensation numbers get a medical record

    Wikipedia – Jason T. Poplin

    heavily. It is the time from knowing about the claim until the first report of injury is filed with the carrier or TPA. The claim staff sees this number constantly. Over the years, I have been provided with this number with almost any claims load that I handled or consulted on for any employer.   One way to have your reserves increased is by being an employer with a high amount of lag time.  This number is usually very controllable by most employers.

  9. Outstanding reserves – this number has been discussed in this blog many times over the last 12 years. Online loss runs will allow those numbers to be at your fingertips. This number should be reviewed at least monthly if not more often. The adjuster will usually include an explanatory note with their reserve increases. Reading over those notes may answer many questions very quickly. If you are using paper loss runs a suggestion would be to see about obtaining online access so that you have all your claims and reserve information up to the minute.
  10. The names of the claim adjusters who are working on your files. Their contact info can be very helpful when trying to email an adjuster with a question.   I always recommend emailing the adjuster with any questions. Emails create an easy way for the adjuster and you to document your files. If the adjusters’ names keep changing on your files, this is a time to contact a claim supervisor to see why the adjusters keep switching so often. Having the same adjuster throughout a claim is priceless. One of the toughest assignments an adjuster can have is to pick up a file from a previous adjuster review it and then make proper claims decisions.
  11. Your policy or TPA agreement – this one is probably the most obvious. Having your worker’s
    Picture of board members workers compensation numbers signing agreement

    Wikipedia.org – Sgt. Brian Schlumbohm

    compensation policy at your fingertips and possibly reading it before signing it can eliminate a large number of problems or questions upfront. Finding out something about your policy or TPA agreement during the contract period can result in a very frustrating situation for all parties involved with your worker’s compensation or any other type of policy The Declarations Page remains ever-important.

  12. Your premium audit. Make sure that when you receive your premium audit bill that you have also received the premium auditor’s workpapers along with the premium audit statement. Both of these will likely answer many questions that you may have with your premium audit and allow you to review how the premium auditor came to the numbers on your bill

These 12 suggestions came from files that I have reviewed recently or in consulting with various employers.  So many workers’ compensation statistics can be generated with today’s analytics.    This list covers a small amount of the worker’s compensation numbers and statistics available. 

Keep this Workers’ Compensation numbers list at your fingertips for future use.

©J&L Risk Management Inc Copyright Notice

Filed Under: statistics Tagged With: explanatory note, fingertips, Loss values, small claim, snowball

Workers Comp Insurance Companies Excelled In This Area

August 8, 2019 By JL Risk Management Consultants

Worker’s Comp Insurance Companies Did This One Thing Right

 The Pennsylvania Workers Comp Rating Bureau recently lambasted two Worker’s Comp insurance companies for misreporting and delayed reporting of policy information.   One of them has verbally threatened me with multiple lawsuits to no avail.  I will not mention names here.

workers comp insurance company check mark graphic with lock

Wikimedia – XYZtSpace

I pondered for some time over – wait – what is one thing that insurance companies have gotten right over the years?  I am sure there are other areas.  I am thinking of my own actuarial, claims, expert witness, and financial advisory background in worker’s compensation.

And the answer is….the separation of powers – indirectly.

Insurance carriers remain very strict in the timing and setting of reserves – but not necessarily the amount of reserves. 

In all my years as an adjuster, supervisor, manager, and VP, I was never once approached to artificially increase or decrease reserves due to the effect it would have on how an insurance carrier would charge an insured in the future. 

No carrier has ever advised me to increase reserves to affect any premiums due to the insurance rating cycle (UNITSTAT Date). 

No TPA has ever asked me to manipulate reserves to make a self insured client look better or worse in their budgets or SEC filings.  

I have not seen any of the same types of purposeful data manipulations in any reviews that I have ever done over the years.  I am not saying that this situation does not exist or occur in claims  and underwriting departments.  I have not seen it in any documentation that I have reviewed over the years.

Workers Comp Insurance carrier underwriting, claims, data reporting, marketing, and other departments have not worked together other than an agent questioning reserves, which, to me is fair play, and occurs often in claims departments.   As an adjuster, I would dread the conference call with the agent and insured.  Most of them turned out well.  

One has to remember as Mark Walls (Safety National) and I have said – setting reserves is an art not a science. 

The separation between claims and other departments seems to be fair.  I doubt the line is crossed that often, which would probably end up with disastrous consequences.  

I know of one company that artificially increased the reserves across the board.  That worker’s comp insurance company has been in receivership for years. 

©J&L Risk Management Inc Copyright Notice

Filed Under: Workers Comp System Tagged With: disastrous, lambasted, manipulations, SEC filings, verbally threatened

Free NCCI State Advisory Forums – Are They Worth Your Time?

August 6, 2019 By JL Risk Management Consultants

Free NCCI State Advisory Forums Provide Great Workers’ Comp State Statistics

The Free NCCI State Advisory Forums have provided great state and national data for years.   Some of the Forums provide an Open House to see all of NCCI’s products.   See below for the upcoming schedule.  

graphic free NCCI State Advisory Forum Calendar

Wikimedia License – Icons8

NCCI stands for National Council on Compensation Insurance.  They perform huge studies on Workers’ Comp statistics.  NCCI provides the largest portion of rating data in the nation. 

I usually try to attend two or three per year.   The price remains unbeatable.   NCCI requires a signup page completion to attend these informative sessions.   

The national data remains my favorite area.  Due to NCCI’s size, the national statistics, charts, and graphs cover most of the state data except for the Independent Rating Bureau states.

Yes, the free State Advisory Forums are worth your time even if you have to travel some distance.

From the NCCI:

NCCI is embarking on its 2019 State Advisory Forum presentations. These forums are designed to promote education and provide a greater understanding of both national and state workers compensation issues. Most of the forums will take place after NCCI’s May Annual Issues Symposium in order to provide you with the most relevant and up-to-date information.

Colleagues Free NCCI State Advisory Conference

Wikimedia License – Wittylama

The content of each forum will be tailored to the state where the meeting is held. There is no charge to attend these forums, but reservations are required. You are welcome to attend the forum for every state where you are writing or involved in workers compensation insurance. 

This year, we plan on holding forums in 36 states. We will continue to focus on state-specific information and speak in greater detail on:

  • Proposed/enacted state and federal legislation
  • State system cost drivers
  • NCCI studies and economic information
  • The residual market

At these forums, we encourage participation from the broadest cross section of the workers compensation community, such as:

  • NCCI affiliates
  • Departments of Insurance
  • Workers Compensation Commissions
  • Insurance trade associations
  • Legislators
  • Self-insureds
  • Employer trade associations

Below the schedule is a link to sign up for any of the free NCCI State Advisory Forums for the rest of 2019. 

Schedule

8/14/2019 South Dakota
Hilton Garden Inn Sioux Falls Downtown
201 East Eighth Street
Sioux Falls, SD 57103
605-444-4700
2:00 p.m.-4:00 p.m.
8/21/2019West Virginia
Charleston Marriott Town Center
200 Lee Street East
Charleston, WV 25301
304-345-6500
8/29/2019Illinois
Chicago Marriott Oak Brook Hotel
1401 West 22nd Street
Oak Brook, IL 60523
630-573-8555
8/29/2019 Iowa
Des Moines Marriott Downtown
700 Grand Avenue
Des Moines, IA 50309
515-245-5500
8/29/2019 Virginia
The Westin Richmond
6631 West Broad Street
Richmond, VA 23230
804-282-8444
9/04/2019 Washington, DC
Grand Hyatt
1000 H Street Northwest
Washington, DC, 20001
202-582-1234
9/12/2019Kentucky
Embassy Suites by Hilton Louisville Downtown
501 South Fourth Street
Louisville, KY 40202
502-813-3800
9/13/2019Maryland
Hyatt Regency Baltimore Inner Harbor
300 Light Street
Baltimore, MD 21202
410-528-1234
9/18/2019 Alabama
Renaissance Montgomery Hotel and Spa
201 Tallapoosa Street
Montgomery, AL 36104
334-481-5000
9/19/2019Missouri
Courtyard Columbia Marriott
3301 Lemone Industrial Boulevard
Columbia, MO 65201
573-443-8000                
9/25/2019New Hampshire
Doubletree by Hilton Manchester Downtown
700 Elm Street
Manchester, NH 03101
603-625-1000
9/26/2019Hawaii SAF & Open House
Neal S. Blaisdell Center
777 Ward Avenue
Honolulu, HI 96814
808-768-5400
8:00 a.m. – 11:30 a.m.
10/1/2019​Idaho State Advisory Forum
Jack’s Urban Meeting Place (JUMP)
1000 West Myrtle Street
Boise, ID 83702
208-639-6610
10/02/2019 New Mexico
Sandia Resort & Casino
30 Rainbow Road Northeast
Albuquerque, NM 87113
505-796-7500
10/04/2019 Arizona
Phoenix Airport Marriott
1101 North 44th Street
Phoenix, AZ 85008
602-273-7373
10/11/2019Connecticut
Hartford Marriott Downtown
200 Columbus Boulevard
Hartford, CT 06103
860-249-8000
10/11/2019Tennessee
Nashville Airport Marriott
600 Marriott Drive
Nashville, TN 37214
615-889-9300           
10/15/2019Oregon
Embassy Suites by Hilton Portland Washington Square
9000 Southwest Washington Square Road
Tigard, OR 97223
503-644-4000
10/16/2019Oklahoma
Embassy Suites by Hilton Oklahoma City Downtown Medical Center
741 North Phillips Avenue
Oklahoma City, OK 73104
405-239-3900
10/17/2019Alaska
Anchorage Marriott Downtown
820 West Seventh Avenue
Anchorage, AK 99501
907-279-8000
10/23/2019Kansas
Double Tree by Hilton Hotel Lawrence
200 McDonald Drive
Lawrence, KS 66044
785-841-7077
10/23/2019Nebraska SAF & Open House
Hilton Omaha
1001 Cass Street
Omaha, NE 68102
402-998-3400
9:30a.m.-11:30a.m.
10/24/2019 Mississippi
Embassy Suites by Hilton Jackson North Ridgeland
200 Township Place
Ridgeland, MS 39157
601-607-7112
10/29/2019Colorado
Hyatt Regency Denver Tech Center
7800 East Tufts Avenue
Denver, CO 80237
303-779-1234
10/29/2019South Carolina
Columbia Marriott
1200 Hampton Street
Columbia, SC 29201
803-771-7000
11/19/2019Louisiana
Crowne Plaza Executive Center Baton Rouge
4728 Constitution Avenue
Baton Rouge, LA 70808
225-224-7030
11/22/2019Georgia SAF & Open House
Sheraton Suites Galleria–Atlanta
2844 Cobb Parkway Southeast
Atlanta, GA 30339
770-955-3900
9:30 a.m. – 11:30 a.m.
12/03/2019 Utah
Salt Lake City Marriott City Center
220 South State Street
Salt Lake City, UT 84111
801-961-8700
12/04/2019Florida
Hyatt Regency Orlando International Airport
9300 Jeff Fuqua Boulevard
Orlando, FL 32827
407-825-1234
12/04/2019 Texas
Hilton Austin
500 East Fourth Street
Austin, TX 78701
512-482-8000

Sign up here for the free NCCI State Advisory Forums.

 

©J&L Risk Management Inc Copyright Notice

Filed Under: NCCI Conferences Tagged With: broadest, encourage participation, Forums provide, promote education, symposium, tailored

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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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Recent Posts

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J&L Risk Management Consultants Inc
14460 Falls of Neuse Road,
Suite 149305
Raleigh, NC 27614
(800) 813-1386
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