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Most Popular UNITSTAT DATE of Year Coming Up – Why You Should Care


The Most Popular UNITSTAT Date is in June – Why You Should Care

The most popular UNITSTAT Date is coming up for all insureds with a regular voluntary market policy.    How did I figure that out?  Follow along with me and I will try not to bore you such as the young man in the pic.

pic of bored child learning most popular UNITSTAT date
Wikimedia Commons – Respublika Narodnaya

Most Popular UNITSTAT Date Comes From Another Most Popular Date

I have written on this subject a few times.  The rules have not changed on UNITSTAT dates.   The most popular policy date is January 1st of any year.

A larger percentage of companies began their businesses on January 1st.  This workers comp policy renewal date remains one that I warned about in previous articles.  Check out this article on the January 1st renewal date.

The UNITSTAT Date for January 1 would be July 1st, except for one important notation.  When the clock strikes midnight between June 30th and July 1st, your claim values from your Workers Comp loss runs (Total Incurred) pegs to the next published Workers Comp Experience Mod.

The “pegging” will occur on Thursday, June 30th at 11:59:59 PM.   In other words,  if you have a renewal date of January 1, then you have less than four weeks to do a loss run review to make sure all the reserves are in line with your Workers Comp claims.

Reserve Reviews Not Last Minute Operation

I can tell you from being a former Risk Management and Claims VP that the process of claims reserve reduction has to start 90 days before the most popular UNITSTAT date of June 30th or any other UNITSTAT date.

Asking a claims department to review their reserves for a last-minute reduction will usually become an exercise in frustration.  You have to give it time for the file to “cross many desks” for reserve reductions.

Let us say that you have a February 1st workers comp policy renewal date.

The three dates that are important dates in the process are:

  • Policy renewal date – an obvious one
  • 90 days after the policy renewal date – see the previous link for more info,  April 1st would be the last day to start the loss run review and reserve negotiation – especially for large files.
  • UNITSTAT Date – 180 days or 6 months after policy renewal.  The rating bureau pegs the reserves to the next year’s Experience Mod.

©J&L Risk Management Inc Copyright Notice

I have written on the most popular UNITSTAT date and other articles on this important date. Check out this search if you wish to see more info.



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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