J&L Website Categories – Top 10 – Looking in The Mirror Today

Our Top 10 J&L website categories show an interesting mix of what we have written over the last 15+ years.   I decided to share them with our article and newsletter readers.  See the bottom of the article for bonus material.

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What The Mirror Says From The J&L Website Categories

I never stopped to look at the J&L Website categories in a few years.

The Top 10 ranked in order are:

1. Definition – workers’ compensation is one of those acronym-laden industries and has very specific definitions.   We thought it would be a great service to readers if we provided a great resource for WC definitions.  Our website has always been free and totally accessible to any articles that we have written over the years.  One of my prior managers said – you are a numbers guy – sometimes you need to get back to basics.
2. E-Mod X-Mod– With a degree in Actuarial Science, the Experience Modification Factors are always extremely important to me.  Reducing your claims Total Incurred values with the rating bureaus can reduce your Mods and premium payments greatly.  The Mods generate a huge amount of questions that J&L has received over the years.
3. Premium audit – The premium audit at the end of the policy period has resulted in the most contact from agents and employers over the years.  Understanding or misunderstanding a premium audit generates so many questions to the point that most carriers have a webpage devoted primarily to this subject.
4. California – with the largest economy in the nation, the Golden State has always been a major subject for this website.  I coined the saying “what happens in California may be coming to your state soon.” The state seems to lead the rest of the nation in many Work Comp concepts – subcontractors for example.
5. WCRI Annual Conference – Andy and the group at the Workers Comp Research Institute out of Boston, MA have invited me to cover their conference for well over 10 years. The uninfluenced advice they have produced has been priceless for the Workers Comp industry.  I try to cover every session in full for the two days of the conference.
6. NCCI – The National Council on Compensation Insurance covers the issuance of Experience Mods for over 40 states and counting.  The Council provides so much info in their educational section that I recommend their website very often when I receive questions on certain issues.  Check out their one-minute videos on WC.  NCCI used to be somewhat difficult to contact concerning info on their website.  Cristine Pike is a great contact for me now.
7. Self-Insurance –  Many of my contacts and clients in the Workers Comp industry tell me that I do not write enough articles on self-insurance.  I am going to email them a link to this article.  They are ranked 7th.  Self-insureds drive a portion of the market that sometimes goes under the radar in this industry.
8. Classification Code – class codes generate so many questions from all the players in Workers Comp.  The confusion on classification codes by insureds causes many incoming emotional emails on this subject.  I have one now sitting in my inbox from an agent out of Connecticut with a high level of frustration with one of his client insureds’ reclassifications after an inspection by the rating bureau.  The last article that I wrote before this one covered a court decision on class codes – always a hot topic.
9. WCIRB – California’s workers’ compensation rating bureau – see NCCI and California in the above list.  Their website makes locating info on CA very easy.  Their class codes have become more aligned with NCCI over the last decade.   They remain one of the most helpful organizations that I contact.  I miss their in-person conferences.
10. Claims Adjuster – last, but not least is the group that is near and dear to my heart.  I started back in the “horse and buggy” days as a claims trainee and worked my way up the claims ladder to Director of Risk Management.   One of the thankless but off-the-scale important jobs that are often overlooked by many.  Who controls your self-insurance budget or E-Mod/X-Mod more than anyone ?- the adjuster’s Total Incurred control.

I do not know what the #11 one is at this point. My website analyzer only provided the top 10 J&L website categories.

BONUS

I promised you a bonus at the beginning of the article on the J&L website categories.  If you click the underlined heading in each number, you will be taken to a search for that topic.  If you are researching for an article or speech, always feel free to use any of the free material provided.  You may want to check out this article on how to use the website when searching for articles in the above J&L website categories or others.   I always just ask for a backlink if you decided to use any of the information.

If you want any articles written on any subjects outside of the above J&L website categories, just drop a note in the comments or use the Contact Us page to email me.   This website seems to always be Under Construction like most websites.