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2022 Workers Comp Self-Insured Resolutions – A Few Changes

2022 Workers Comp Self-Insured Resolutions – Post-Pandemic(?) The 2022 Workers Comp self-insured resolutions should be looked at as a bridge from the pandemic to the post-pandemic era. Over the last 13+ years including 2021, I have written articles on workers comp resolutions.  Our self-insured clients and article/newsletter readers always remind

New Jersey Legislation Gives Break to S Corporations With New Bill

Proposed New Jersey Legislation Gives S Corporations A Break An interesting Bill that is now proposed  New Jersey Legislation would give S Corporations that are micro-companies a break on having to acquire Workers Comp coverage.   Some states such as West Virginia require even micro-employers to have Workers Comp coverage. J&L

Nixon Administration and Workers Comp Federalization 50 Years Ago

Nixon Administration Study on Federalizing Workers Comp I have written many times on prepping for the federalization of Workers Comp.  The Nixon Administration’s efforts to possibly make Workers Comp a federal insurance program was unknown to me at the time I wrote many of the federalization articles. Thanks to WorkCompCentral;

2022 Workers Comp Resolutions – Major Updates to 2021 + COVID

2022 Workers Comp Resolutions – A Few Major Changes The 2022 Workers Comp resolutions have changed from the 2021 resolutions.  I have written resolutions for almost 15 years.  As with the whole Workers Comp industry, the resolutions have changed a little, but not substantially. Keeping to the below resolutions will

Workers Comp Tech Advancement Found At WCI Orlando Conference

Workers Comp Tech Advancement – New Way To Heal Injuries One of the themes that I write about when attending conferences comes from visiting the vendor area.  The search for any type of workers comp tech advancement left me without articles to write in some of the years.   The best

Ignoring Workers Compensation Insurance Now = Paying More Later

Ignoring Workers Compensation Insurance Means Future Larger Premiums Many articles have appeared on this website after watching a process repeated multiple times.  An employer ignoring workers compensation insurance will soon pay more premiums to their carrier.  A self-insured employer will end up allocating more of their budget to Workers Comp

WCIRB Restaurant Class Code Webinar Live – First Ever Industry Profiled

Deep DIVE WCIRB Restaurant Class Code Webinar – Great Data Supply Hot Off The Presses – the WCIRB restaurant class code webinar just finished a few minutes ago.  I apologize upfront for any typos as I am doing this live. First-Ever WCIRBClass Code Webinar Industry Profile – Restaurants Why did

Did Workers Comp Pay COVID-19 Claims? – Popular Holiday Question

Did Workers Comp Pay COVID-19 Claims – Holiday Question  One of the questions that many of my relatives and friends from the southwest ask me was to see how did Workers Comp pay COVID-19 claims? Most of my relatives and friends never have been that concerned about Workers Comp.  They

Google Find My Device Saves The Day While At NWCDC Las Vegas

Google Find My Device Saves The Day With One Caveat Google Find My Device has saved the day for me more than a few times.  For some reason, I have dropped my phone in the back of Uber and Lyft rides a few times – even in other countries. The

No Wisconsin Medical Fee Schedule = Higher Medical Costs

WCRI Report Shows That No Wisconsin Medical Fee Schedule = Higher Costs Workers Comp fee schedules tend to keep costs down in most states.   A Wisconsin medical fee schedule for Workers Comp would assist Badger State employers in keeping their Workers Comp costs in control. WCRI (Workers Comp Research Institute)

Workers Comp Institute Conference Dec 12 2021 – 85 Page Program Wow

Workers Comp Institute Conference – Massive + Combined with Safety Conference The Workers Comp Institute Conference has an 85-page program.  What?  This is one of the largest syllabi that I have seen for a Worker Comp conference. The Workers Comp Institute decided to combine their annual Workers Comp conference with

NCCI and WCIRB Differ on Two Main Issues – Both COVID Related

NCCI and WCIRB – Two Recent COVID-19 Differences Many times on this website,  comparisons have been made between NCCI and WCIRB rules.  NCCI is the Workers Compensation rating bureau that covers 41 states with its HQ in Boca Raton, FL.  The WCIRB is the California Workers Compensation rating bureau. I

FAA Risk Management – Letter From Director Shows Alcohol Masks Risk

FAA Risk Management – Alcohol and Masks Risk With No Prosecution The FAA risk management letter  I came across yesterday shows a large concern for alcohol served in airports when added to the mask requirement. I came across this letter from Steve Dickson, Administrator for the FAA.  You can find

Light Duty Return to Work Issues – NWCDC 2021 – Breakout Session

Good Basic Session on Light Duty Return to Work Issues and Challenges I attended and took notes on this NWCDC breakout session concerning light duty return to work.   This was a good basic session from two national employers.  One of the challenges, as we all know, is each state is

Workers Comp Experience Mods Becoming Decentralized – Bad Move?

New York Workers Comp Experience Mods Now Independent – What That Means Combining many states into a single number is one of the great time-saving aspects of interstate workers comp experience mods. Correction – North Carolina is still in the NCCI Interstate Mod System. NCCI published a newsletter this morning. 

2021 NWCDC – Leading a Resilient Claims Organization Thru Uncertainty

2021 NWCDC – Leading a Resilient Claims Organization Thru Uncertainty & Change This was the first session that I set through at the 2021 NWCDC.  The session had two of my favorite workers’ comp people – Rachel Fikes of Rising Medical and Denise Zoe-Algire of Albertsons Companies.  The two other

2021 NWCDC Conference – The Great And An Area For Improvement

2021 NWCDC Conference in Las Vegas Great Break from Video Conferences The 2021 NWCDC Conference in Las Vegas was worth attending even though the crowd was smaller this year.  I give the sponsors and BOD credit for having a large in-person conference during the end of the pandemic.   I decided

Hawaii Heavy Rate Increase – It’s The Medical Severity Stupid

Hawaii Heavy Rate Increase Likely Due To Medical Severity + 1 A few weeks ago, I wrote an article on the 27+% rate disparity between the NCCI rated states.  I promised to review why the reason for the 2020 Hawaii heavy rate increase when most states were lowering their advisory

Workers Comp Video Presentations – 10 Ways To Blow Them Up

Workers Comp Video Presentations And The Dreaded ZZZZ List All of us have survived Workers Comp video presentations over the last 20 months.   Many of them were well done such as the 2021 NCCI Annual Symposium.  Some showed how an ill-prepared group of presenters amplify their mistake of throwing together

NCCI Catastrophe Code 12 – Use or Lose It Class Code (Of Sorts)

Not All Claims Should Have NCCI Catastrophe Code 12 – But Some Should The COVID 19 Code Will Save You Premiums I was reviewing how NCCI was handling the catastrophe code that COVID 19 claims would be coded under to not have the claims count against an employer’s Mod.  <<<extremely

Long Tail Experience Mods From 20 Year Business Cycles A Good Idea

20 Year Business Cycles Show Need For Long Tail Experience Mods Would long tail Experience Mods benefit employers and insurance carriers?  Let us first look at the definitions of the two terms.  Hang in there – this concept has to build up for a few paragraphs. Long Tail Statistics When

Academy of Insurance – 7 Ways To Blow Up Your Workers Comp Program

Check out this new webinar I am teaching on Thursday at the Insurance Journal’s Academy of Insurance. I think it goes up 40% in price after tomorrow  (Wednesday).  If you are a member of the Academy, then you get to watch it Thursday and the recording afterwards for free. The

NCCI Arizona State Advisory Forum Shows 27.9% Rate Change Disparity

NCCI Arizona State Advisory Forum Shows 27.9% Rate Disparity The NCCI Arizona State Advisory Forum is worth the time to view or read.  Get the Advisory Info here.  Usually, when I mention a certain state in articles and presentations, someone will say – “we do not have interests in that

Workers Comp Physical Therapists As Initial Primary Providers Good Idea

Physical Therapists =Primary Workers Comp Initial Medical Treatment Provider? Workers Comp physical therapists have received a huge amount of good press over the last two months.   I had always thought that physical therapists could treat certain injuries from the onset. I have always been a proponent of physical therapy.  Check

Do You Know Your Workers Comp Benefits Info – Quiz 2 – Updated

10 Questions on Workers Comp Benefits Info – Test Your Knowledge The great response to the Workers Comp Benefits Info Quiz a few weeks ago made me think – let us do another one cover Workers Comp benefits info.  Remember that certain states may have exceptions.   Each question scores 10

Workers Comp Premium Audit Records – Keep The Old Ones Handy

Workers Comp Premium Audit Records After Zoom Your company’s workers comp premium audit records may need to be at your fingertips for a few years.  Why?  Let’s look at what happened from March 2020 to now.   Hybrid Premium Audits Will Be Temporary Situation Most of our clients had received

Pandemic Workers Comp Claims Spike That Never Happened

Anticipated Pandemic Workers Comp Claims Spike Mystery The Pandemic Workers Comp Claims spike was predicted by most of the industry prognosticators.  The anticipated claims tidal wave seems to have not occurred in the industry.  Let us look at a few valid sources of information. Pandemic Workers Comp Claim Numbers From

WALSH Jurisdiction Test Applied By South Dakota Supreme Court

South Dakota Supreme Court Applies WALSH Jurisdiction Test To Injured Trucker The South Dakota Supreme Court recently covered the WALSH Jurisdiction Test for jurisdiction in a recent decision.   Let us look at the five factors of this test and how they were applied in this case. I first saw this

Workers Comp Benefits Quiz – Test Your Knowledge – Updated

Workers Comp Benefits Quiz – 10 Quick Questions – Answered Most of the answers to this workers comp benefits quiz are in the articles that I have written since 2007.  Good luck. The answers will be provided on Monday, August 23rd with an article update.  If there are any questions

Hybrid Premium Audit Prep – Update to Last Week’s Article

Hybrid Premium Audit Prep – Changing the Paradigm For Employers Last week, I promised that I would write or update an article to the Zoom Hybrid premium audit article.  Most of what this article covers are the same as the in-person and hybrid premium audit prep that I have covered

Zoom Hybrid Premium Audits Becoming Standard Procedure

Zoom Hybrid Premium Audits – Not Just Temporary Pandemic Fix I had thought Zoom hybrid premium audits were going to fade away once the pandemic settles down to allow in-person meetings again.   Since the beginning of the pandemic, one new type of premium audit came to the forefront. Clients contacted

Workers Comp Claim Files Missing One Important Easy Task

Workers Comp Claim Files – Three-Point Contact Disappeared One task that workers comp claim files need has seemed to disappear over the years.   Most adjusters can make their lives much easier by accomplishing this one task upfront.   In the 13 workers comp adjuster everyday to-do list, this has to be

Insurance Blogging – Give It A Try – Five Easy Steps – One Secret

Insurance Blogging – Easy To Start – Hard To Keep Going My own experience with insurance blogging started in 2007.  I attended a conference in Atlanta on social media when it really started rolling along in 2008.  That is when I decided to start blogging very heavily and to have

Insurance Interns Are Untapped Source For Future Employees

Training Insurance Interns – Great Way To Hire Future Employees Insurance interns are one of the more enjoyable ways to fill a company’s vacancies.  J&L has hired many college students over the years.  Many times, we knew the college interns were not going to stay and work for us.  The

Pandemic Workers Comp Return To Work Conundrum Question

Pandemic Workers Comp Return To Work Question To Our Article Readers The tables have turned with me publishing a pandemic workers comp return to work (RTW) question for our great and intelligent audience. Pandemic Workers Comp Return to Work vs Vaccine Hesitancy Wikimedia public use license One of our great

Workers Comp Adjuster Turnover Phenomenon Affects Claims

Recent Pandemic Workers Comp Adjuster Turnover Phenomenon I do not like to write any articles on how the pandemic has affected anything now that we are hopefully in a post-pandemic phase.  A Workers Comp adjuster turnover trend spiked in early 2020. When I wear my workers comp consultant hat, I

Workers Comp Training – One Thing You Cannot Teach Anyone

Workers Comp Training Cannot Touch This One Area Many times,  Workers Comp training can teach someone how to technically perform a task to a level of excellence.  One area that still seems to appear more often frustrates insureds, agents, claimants, or any other person involved in the insurance process from

Workers Comp Accident Management Questions Rolled In

Workers Comp Accident Management By Restaurant Manager One of the more popular articles published recently covered the workers comp accident management by the restaurant manager of a slip-and-fall accident by a waitperson.  The article went viral, well, viral for a very specific-subject website. I received a few emails with questions

Workers Comp Injuries and Maslow’s Hierarchy of Needs

Workers Comp Injuries vs. Maslow’s Hierarchy of Needs Maslow’s Hierarchy of Needs may explain why injured workers react to their workers comp injuries in so many different ways.   Let us look at the below triangle. Where Do Workers Comp Injuries Fit On the Chart? I have found this chart invaluable

Workers Comp Accident – Happened Right In Front Of Me

Workers Comp Accident – Slip and Fall In Restaurant Over the July 4th weekend, I decided to visit a local restaurant that survived the pandemic.  Who knew that a workers comp accident would happen right in front of me? Please note the accident did not happen at the restaurant in

IME Cover Letter Effective Paragraph I Have Used Since the 1980s

Recommended Paragraph For IME Cover Letter Paragraph – Used In 47 States One of the most confusing parts of the IME cover letter is what information to request from the Independent Medical Exam physician. I have seen many claims managers, supervisors, and adjusters just crank out their system’s IME Cover

Most Reclassified Workers Comp Governing Class Code 2020 – NCCI

Top 10 Most Reclassified Workers Comp Governing Class Codes – NCCI Every year, I try to cover the most reclassified Workers Comp Governing Class Codes. The NCCI provided a great video and handout here.  One point to note – the reclassified codes were the governing class codes. Governing Class Codes

Groundbreaking Opioid Addiction Study – Vitamin D3 Deficiency?

Testing Vitamin D Deficiency – Groundbreaking Opioid Addiction Study A groundbreaking opioid addiction study points to a strong relationship between vitamin D deficiency and the markers of addiction.  The other more obvious conclusion was that the vitamin D deficiency showed a strong sunbathing addiction. A recent article in a leading

Non-opioid Treatment For Chronic Pain – Groundbreaking Study

A Non-opioid Treatment For Chronic Pain – Cutting Edge Development Researchers at the Medical College of Wisconsin have discovered a non-opioid treatment for chronic pain that may revolutionize severe pain treatment. A recent article in the Medical Xpress newsletter covered what may be the new way to treat chronic pain including

Workers Comp Wage Statements Should Be Reviewed For Accuracy

Workers Comp Wage Statements – Adjuster Reviews Saves Later Headaches One of the most reviled forms in the claims process is the workers comp wage statement.   Many states require very complex forms to be filed by the claims departments.  Employers usually like them even less.   The term “necessary evil” comes

Workers Comp Reserve Redundancy – The Good, Bad, and Ugly

Workers Comp Reserve Redundancy – Industry Health Measure + Bane of Claims Staff What is a Workers Comp Reserve Redundancy?  Why does it keep Claims VPs up at night? Workers Comp Reserve Redundancy Definition Reserve Redundancy can be thought of as two-sided.   On a micro-level, an aggressive reserve by an

US Supreme Court 831(b) Micro-captives – Surprising Unanimous Decision

US Supreme Court 831(b) – Captive Advisor Win Expands Beyond Workers Comp  A recent US Supreme Court 831(b) micro-captive decision (unanimous) set a precedent that may go well beyond just Workers Compensation or insurance.  The case was CIC v. IRS.  The link will provide a 23-page PDF file of the

NCCI Pandemic Analysis Verifies Insurance Crisis That Never Occurred

2021 State of The Line – NCCI Pandemic Analysis – Incredibly Fast Recovery The NCCI pandemic analysis was quite a change of pace from the dire 2020 predictions for the Worker’s Comp markets.  I decided to attend the 2021 NCCI Virtual State of The Line – both days. The presentations

Workers Comp Delayed Medical Treatment Increases Opioid Prescriptions

Increased Opioids From Workers Comp Delayed Medical Treatment – WCRI  A recent WCRI (Workers Comp Research Institute) webinar showed that workers comp delayed medical treatment results in a higher level and longer treatment with opioids.   The chart below from the presentation says it all.  I will explain what the chart

Field Case Managers – Workers Comp Claims Closed Faster and Happier

Field Case Managers – Injured Employees Happier and Claims Closed Faster This is National Nurses Day.  In celebration of the day, I wanted to bring up a subject that I have seen overlooked in quite a few Workers Comp files – Field Case Managers.  If you want to see nurses

Jeff Bezos’s Workers Comp Shocker In Final Shareholder Letter

Jeff Bezos’s Workers Comp Worries Covered In Final Shareholder Letter Yes, Jeff Bezos’s Workers Comp concerns covered a specific type of injury.  The concerns were so important to him that he actually included a large passage in his final letter to shareholders.  Wow! One of the more astounding articles I

WCIRB Over-reserving Correction- California Update

WCIRB Over-reserving Correction – Rating Bureau Helps Out Employers – Wow! The Webinar Info Is at the bottom of this article California’s Workers’ Comp Insurance Rating Bureau provides a great assist to employers. The WCIRB over-reserving correction algorithm helps employers greatly.  Kudos to them – read on to see how

IRS Opens Promoter Investigations Office for 831(b) Micro Captives

IRS Opens Promoter Investigations Office For 831(b) Micro Captives The 831(b) micro captives industry received more news this week from the US Treasury Department.  The IRS opens promoter investigations office to: coordinate efforts across multiple business divisions to address abusive syndicated conservation easements and ‘abusive micro captive insurance arrangements as

Workers Comp Claim Development – Long Six+ Month Wait

Workers Comp Claim Development – Why The Six Month Delay? The Workers Comp claim development process has frustrated more than a few insureds or agents. Every time that I publish an article on how claims are reported and tabulated by the rating bureaus (NCCI, WCIRB, and others), the same question

California AB 1465 CAMPN State Sponsored Medical Networks Debate

CAMPN – California AB 1465 Alters Workers’ Comp Medical Treatment Networks The term CAMPN – California AB 1465 is an Assembly Bill that proposes to increase the injured workers’ access to medical treatment.   The California Workers’ Compensation Institute (CWCI) published a study this month that possibly surprised quite a few

How Workers Comp Claims Pandemic Data Is Only 25% Correct

Workers Comp Claims Pandemic Data – Running With 1/4 In The Tank I recently brought this up in a Zoom(r) meeting.  A potential client wanted me to assist in building a Workers Comp claims pandemic model. They were aghast when I said that only approximately 1/4 of the data is

AIC Designation Changes – One Major Modification To Study Guides

AIC Designation Changes – ARM Also Affected – Important One of the most detrimental AIC designation changes was pointed out to me over the last two weeks.  I received numerous calls and emails that the Jack Keir for Success program had dropped any insurance designations. The AIC (Associate in Claims)

My Three Favorite Articles That Hooked My Attention – Must Read

All About My Three Favorite Articles In reading articles, I may say that all of them hooked my attention. But actually, I have my three favorite articles that I can say are worth it to read. Or when time goes by, it may bring the lesson we’ve learned from those

Coronavirus Vaccine Journey – Second Act – Over in 30 Minutes

Act II of my Coronavirus Vaccine Journey – Quick and No Problems My coronavirus vaccine journey started on St. Patrick’s Day.  Check out that article here.  The booster shot occurred yesterday.  Obtaining the second vaccine was much easier.   The first vaccine took two hours to complete. This one took 25

How Workers Comp Weekly Rate Is Calculated – Temporary Total Disability

Workers Comp Weekly Rate for TTD – The Basics Workers Comp weekly rates for TTD in all states are calculated differently. Workers are all deserving of the benefits beyond their efforts to work on time. They need financial help from their employers while they are suffering from injuries that they

How Microcaptive 831(b) Arrangements Were Disrupted This Month

One of the long-awaited captive decisions by the US Tax Court was issued this month.  The microcaptive 831(b) arrangements industry may need to look in the mirror very soon.  This makes four major US Tax Cases that could not have been worse for captives, specifically microcaptives. Ever since I attended

My COVID-19 Vaccination – Among The Everyday Heroes

My COVID-19 Vaccination And The Heroes That I Met Check out my COVID-19 Vaccination Photos Below – Click on the pics to see a larger version Why I Decided to Write On My COVID-19 Vaccination I had promised numerous friends, colleagues, and blog readers that I would post on my

WCRI 2021 State of the States Presentation – The Past Rules

WCRI 2021 State of the States: Selective Findings The WCRI 2021 State of the States was extremely informative as it has been every year that I have attended the conference. Speakers: Bogdan Savych, Ph.D., Rebecca Yang, Ph.D. Dr. Savych compared much of what happened in the current pandemic with the

Back To Work During A Pandemic For The Employee – Another Look

Back To Work – Considerations And Qualifications Going back to work is like a process of healing. A sick person needed medicine to be healed same as the workers that need to go back to their work. They needed a job to sustain and fulfill their daily needs. Workers have

WCRI COVID-19 Impact and Effect on Claims and Medical Treatment

WCRI COVID-19 Session – Assessing the Impact Impact of COVID-19 and the Shutdown on Claims and the Delivery of Medical Care WCRI COVID-19 Session – Speakers: John Ruser, Ph.D., Olesya Fomenko, Ph.D. Dr. Fomenko covered much ground very quickly in her presentation.  She is probably one of the best presenters

WCRI Session That I Attended – Shocking Topicals Numbers

WCRI Session – Off-Label Prescribing and the Effects of Opioid-Related Policies WCRI Session Speakers: Vennela Thumula, PhD, Bogdan Savych, PhD The data from this WCRI (Workers Comp Research Institute) session yesterday provided indications of shocking increases in topicals.  The session also pointed out that the effects of state opioid-related policies

WCRI 2021 Virtual Conference Next Week – For Data, Reports And More

WCRI 2021 Virtual Conference -Definitely Worth It The WCRI 2021 Virtual Conference will be broadcasting on March 23rd and 24th.  This is a great way to spend two afternoons if you have the time.  I always learn something from their PhDs. Three of my favorite researchers will be presenting their

It’s All About Workers Compensation And How Does It Work

 Knowing About Workers Compensation The Workers Compensation is workmen’s compensation before it changed due to the equality of workers, to make it neutral. Workers’ Compensation is the insurance paid by the company that is paying and providing medical benefits to their employees who are injured or got injured after doing

Workers Comp Algorithms – Who Is Pushing the Model Buttons?

Workers Comp Algorithms – How Far Have They Progressed? The panel discussion yesterday with Frank Pennachio covered one hot topic – Workers Comp Algorithms. I do agree that almost everything in existence today has an algorithm attached to it. All one has to do is pick up their smartphone.  You

Panel Discussion With Frank Pennachio – Academy of Insurance 50% Off

A Conversation with Frank Pennachio – See below. I usually try to stay away from advertising any company’s services – that what this blog has been known for is no advertising.  During the aftershow after my Kawasakian presentation last month, George and Patrick asked me a few additional questions when

Workers Comp Subrogation Claim – Very Old Reserves Still Open

Very Old Workers Comp Subrogation Claim – Loss Run Says Open – Why? A new blog and newsletter reader asked this question last week after reviewing their Loss Runs – we have a very old workers comp subrogation claim open after seven years – will that affect our Experience Mod

COVID-19 Vaccination Reaction Claims- Compensable In Texas?

Texas Says Report COVID-19 Vaccination Reaction Claims (Work-Related) In reading various Workers Comp publications – yes, I do that in the evenings, I came across an article in Business Insurance Work Comp News that caught my eye.   The Texas Department of Insurance released a memo on March 2, 2021, that

Home Ergonomics Advice Reduces Workers Comp Costs

Home Ergonomics Advice Learned From Recent Webinar Recently, I viewed (or should it be attended?) a webinar on home ergonomics advice from TeamErgo that is owned by Mindy Smith.  I have seen her present at least five or six times over the last 15 years.  If you contact her, she

Workers Comp Predictive Analytics Changed Loss Run Reviews Forever

Workers Comp Predictive Analytics – Do Not Ignore Old Open Claims One of the big changes with loss run reviews started with the carriers and now the whole insurance industry not ignoring the old open claims. Workers Comp predictive analytics has changed how old open claims are evaluated in underwriting.

Workers Comp COVID-19 Vaccinations – Part of Return To Work

Employers Require Return to Work Workers Comp COVID-19 Vaccinations? I started pondering how the Workers Comp COVID-19 vaccination process would work if an employee were returning to work with or without vaccination. This morning, I was reading a blog post from a Law Professor from Wyoming University.  I found it

Workers Comp Test Audits – Pain or Preventative Measure

Workers Comp Test Audits – What Are They – Necessary Evil? Not too long ago, I had thought that Workers Comp test audits were not necessary and could be viewed as an intrusion on employer insureds’ busy schedules. Over time, I have come to realize that workers comp test audits

WCIRB 8871 Webinar – What California Insureds Need To Know

California’s Rating Bureau WCIRB 8871 Webinar Today – Some New Insights I just finished watching the WCIRB 8871 webinar.   The webinar was only 30 minutes.  Then again, how long can a group talk about the new classification code? Very few changes were introduced from the previous WCIRB 8871 webinar that

Workers Comp Website – 10 Things To Know When Switching Providers

Workers Comp Website – 10 Lessons Learned Since Last Week’s Switch J&L moved its workers comp website provider last week.  Many problems came up that need to be shared so that our article and newsletter readers will not have or be prepared for the same type of problems.  Our last

Workers Comp Zoom Presentation – Top Four Hard Lessons Learned

Workers Comp Zoom Presentation From Last Week – Lessons Learned My Workers Comp Zoom presentation for the Academy of Insurance last week taught me a few lessons that came from doing a remote presentation.  I had used Microsoft Meetings and Zoom for meetings which had always gone well, or at

Experience Mod Increases While Loss Runs Show No Changes – WTR?

Upset Reader Says Experience Mod Increases – Loss Run Had No Changes   One noticeable complaint tread from our article and newsletter readers recently comes from Experience Mod increases while their company’s loss runs show no changes. Many of them have become clients to have J&L examine their loss runs compared

Workers Comp Allocated Expenses – Who Pays For Which Bills?

Workers Comp Allocated Expenses – The Hidden Premium Charges You May Not Owe A long-running debate still exists today on how workers comp allocated expenses are charged to employers’ accounts.  Let us cover the: Definition of the expenses Process of charging the allocated expenses to the employer’s Experience Mod Sources

Workers Compensation Presentations Kawasaki Technique

Workers Compensation Presentations And The Kawasaki Technique The basis for my current Workers Compensation presentations currently comes from a great book that I read when starting J&L Risk Management Consultants. The Kawaski presentation technique comes from the great book by Guy Kawasaki – The Art of The Start 2.0.   If

8871 Standard Exception Classification Code Question

Reader Question on 8871 Standard Exception Classification Code Article Last week, I wrote an article on the   2021 USRP Manual Update by the California Rating Bureau (WCIRB).   The webinar was great.   One area that was covered well was the 8871 Standard Exception Code. A devour reader reminded me that 8871

J&L Founder James J Moore to Teach Insurance Academy Course Feb 4th

J&L Founder James J Moore Instructor For Academy of Insurance Course 02/04/21 J&L founder James J Moore will teach a one-hour course on February 4th.  The one-hour course will cover occupational disease rules in the age of COVID-19. According to James -” COVID-19 remains a terrible disease that affects many

Workers Comp Claims Adjusting ASAP – It’s Over in 48 Hours

Workers Comp Claims Adjusting – Do It Now on New Claims The Workers Comp claims adjusting for new claims is over in 48 hours.  I know – sounds like a bold statement.  The old paradigm used to be 24 hours.   I am giving the adjusters a break. Many of my

WCIRB USRP Manual Update Webinar – Yes, It Matters To You

California’s WCIRB USRP Manual Update – From The Webinar The workers’ compensation rating bureau for California hosted a very thorough webinar on the WCIRB USRP Manual update yesterday.   Wow, sounds boring?  Then your company must have extra money to spend even if you are not located in California. Last year,

Workers Comp COVID-19 Vaccination Claims – Adjusters Confused

Workers Comp COVID-19 Vaccination Claims – Who’s on First? Today, I decided to check on how Workers Comp COVID-19 vaccination claims are being handled by claims adjusters. Most of the adjusters had some sort of handle on how to investigate and adjust claims that involved COIVI-19. The states have now

Workers Comp Premium Auditor’s Job Now More Difficult

Workers Comp Premium Auditor’s Job Now Much More Complex One of the results of the COVID-19 pandemic is the effect on the workers comp premium auditor’s job.  The complexities of auditing workers comp policies become more pronounced with multi-state employers. I first realized the results with an article published by

2021 Self Insured Workers Comp Resolutions – The COVID Effect

2021 Self Insured Workers Comp Resolutions COVID Caused A Few Changes Most New Year’s Resolutions come from altering the resolutions from last year.   The 2021 Self Insured Workers Comp resolutions will be no different.   Keeping the resolutions from last year and adding a few changes for COVID should suffice for

2021 Workers Comp Resolutions – Few COVID-19 Changes

2021 Workers Comp Resolutions – Huge Change From 2020? The 2021 Workers Comp resolutions began with waiting until all the election cycles had been completed from 2020.  I usually crank out the resolutions in December of the prior year.  With so much occurring in forgettable 2020, these resolutions were the

NCCI State Advisory Meetings Worth Your Time? – Most Definitely

NCCI State Advisory Meetings – Golden Nuggets of Info Treasure Chest The NCCI State Advisory Meetings also called Forums still provide a huge amount of information for agents, employers, underwriters, adjusters, and other data wonks.   I have recommended this area of NCCI for at least 15 years. NCCI is the

Workers Comp Medical Treatment – Faster is Better

Quick Workers Comp Medical Treatment Key To Cutting Costs The main Key To Cutting Your Insurance budget remains providing quick workers comp medical treatment for your injured employees.    Having a medical network is a critical cost saver even if you are a small employer. A Goldmine of Workers Comp

Workers Comp Premium Calculation Video – Great Explanations

Workers Comp Premium Calculation Video – Good Quick Explanation  This 4-minute video is well worth your time.   The video is from C3 Insurance Academy.   You can reduce your viewing time to three minutes if you do not wish to see the alternate shortcut way to figure your premiums.  This is

An Apology To Our Article and Newsletter Readers

Crashes and Late Newsletter Last week, we had a web consultant company tie up a few loose ends.  One of the consultants accidentally clicked a button that sent the website reeling.   A very quick explanation – the website is set up as    cutcompcosts.com/year/month/article name     The consultant changed all

AIC Associate in Claims Designation Article Most Popular of 2020

Associate In Claims (AIC) Designation Popularity Positive Sign  The Associate in Claims (AIC) articles that I wrote over the year were the most popular article search on the J&L website for 2020.  Usually, I check later in late December to see which articles were the most read for each year.  

Reopened Workers Comp Claims – Watch The Reserves

Reopened Workers Comp Claims – Big Problem When does a reopened Workers Comp claim cost more budget for insured and self-insured employers? I reviewed a file this morning that had one of the classics that cause agents, risk managers. underwriters, rating bureaus, and most importantly insureds to become very irritated

Workers Comp Liability Subrogation – Vehicle Accident Steps

Workers Comp Liability Subrogation – Seven Steps For Vehicles What Is Workers Comp Liability Subrogation for auto accidents?  Let us take an example I have on my screen in front of me. The insured employers and adjusters working on this together allow for quicker recoveries from any third party in

ARM Designation – Claims Staff Make Your CV Resume’ Shine

Venerable ARM Designation – Beyond the AIC For Claims Staff The ARM Designation may be a good fit and advance your claims career at light speed. One of the questions I often receive from  Workers Comp claim staff is – What can I or we do to advance our claims

Workers Comp Medical Treatment Networks – What Studies Are Missing

Workers Comp Medical Treatment Networks – Claims Adjuster’s Different Paradigms After reading a few studies on workers comp medical treatment networks, one glaring aspect becomes apparent very quickly.  As I often have commented on claims studies – “Did they interview any adjusters for input?”  The answer remains “no” on most

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