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Aging Workforce Claims – WCRI Annual Conference 2020


Aging Workforce – How Injuries, Claims, Outcomes Change with Age – Dr. Bogdan Savych

The age distribution of the aging workforce is projected to change in the next 10 years. The large cohort of baby boomers will have largely retired, shifting the age distribution toward younger workers.

Baby boomers for Aging Workforce climate action
Wikimedia Commons – Takver

In this session, we will help frame the potential impact of this shift on the workers’ compensation system by providing a multi-dimensional picture of how claim characteristics and outcomes vary with age. In particular, we will examine how injury rates, claim costs, contributors to claim costs (such as utilization of medical care, and duration of disability), and outcomes differ by age.

Questions Addressed:

  • How do rates of non-fatal and fatal injuries vary by age? Do the events causing injury differ by age?
  • How do medical and indemnity payments per claim vary by age and are these variations related to the different injuries sustained by workers of different ages?
  • How do worker outcomes—such as return to work, access to care, and satisfaction with care—vary by age


In 2030 over 20% of the workforce will be Senior Citizens

BLS > Older workers are more likely to remain working > 12% over 75 years old

65+-Year-old workers are among the least injured age groups

Older workers are more likely to have falls, slips, and trips.

Sprain-type injuries are very low for the 65+ age group

Cut injuries decrease with age

Hip, upper extremity, and leg fractures increase with age

Medical payments increase with age for claims with more than 7 days of lost time

Neurological injuries (very expensive) increase with age and then decreases at about 50+ years

Indemnity payments decrease at 55 years+ with the lowest for the 65+ age group

Pre-injury weekly wages decrease sharply for the 65+ age group

Variation in Outcomes by Age

The 65+ age group possesses a larger amount of comorbidities > as expected

The 65+ age group had fewer problems receiving provider services


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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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