AI Workers Comp Article Publishing – No Differentiation AI Workers Comp article publishing looks like a runaway scanner or copy machine. Every great once in
WCIRB Telecommuter Class Code 8871 10% Lower Than Clerical 8810 Yesterday, I sat in on/attended/viewed a WCIRB (CA WC Rating Bureau) webinar that covered the
Workers Comp Knowledge Quiz – Hints In The Links (Updated) Dealing with an abscessed tooth is no fun. I had to miss the NWCDC conference
IRS Independent Contractor Definition Useful Determination Info Employers face a daunting question when they use independent contractors. When I was writing the previous article on
Top Five Workers Comp Tax Questions Answered J&L’s corporate tax filing season ends tomorrow (whew!). Every year we receive the following workers comp tax questions
Did PWALSH Test Replace the WALSH Test For Workers Comp Jurisdiction? One of the most useful tests and acronyms in the workers comp insurance world
Workers Compensation Medical Inflation Webinar- WCRI Was Workers Compensation medical inflation worse than overall medical inflation or overall economic inflation? That is the question covered
Insurance Designation Importance as Market Changes In the near future, if not now, insurance designation importance will likely increase due to changing insurance market conditions.
Insurance Market Analysis – 11% of Workers Laid Off At One Carrier Until earlier this week, my insurance market analysis was one of “wait and
How Did We End Up With A Workers Comp Soft Market? Many months ago, during the pandemic, I had predicted that a Workers Comp soft
NCCI Most Reclassified Class Codes 2022 Last year, the NCCI Most Reclassified Class Codes for 2021 were covered in this article. If you wish to
Rising Medical – 10-Year Workers Comp Claims Report Card – Freebies What does one have to pay for a 10-year workers comp claims report card
Classifying Construction Risks – Confusing Task For Businesses One of the subjects we receive emails and phone calls almost every week centers on the confusion
NCCI Large Claims Video And Medical Trend Analysis Check out this 10-minute NCCI Large Claim video – yes, it is worth your time. Videos are
US Supreme Court Contractor Test – Seven Factors The US Supreme Court contractor test looks very familiar. Every time that the Internal Revenue Service published
Recommended Workers Comp LinkedIn Groups I am asked often where I find subjects and material to write articles on every week. Workers Comp LinkedIn Groups
Medical Treatment Network Savings – Random Chance or Established? Medical treatment network savings can be elusive at best if not set up properly. This is
Repeating Workers Comp Premium Audits Now A Huge Concern – What To Do Are carriers repeating workers comp premium audits from past years? Every few
Insurance Ethics From Agency to Premium Audit I was on the phone yesterday discussing insurance ethics with a workers comp consultant from West Virginia. He
Combined Ratio Difference – Different Numbers Show Improvement The Combined Ratios of the Rating Bureaus and the carrier-reported numbers have always been a subject of
NCCI Combined Ratio Optimism – Top Question Posed to NCCI Every Year I have been very hesitant over the years to include videos in these
Workers Comp Preexisting Conditions Review – Back By Popular Demand Most claims staff and risk managers have the phrase – aggravation of preexisting conditions etched
NCCI Data Now Program Releases The Data Connection – First Edition Earlier this week I received the following note from Cristine Pike, NCCI Director of
Why The Number 36 Is A Crucial Policy Dispute Time Limit We are contacted at least twice a month where the policy dispute time limit
10-Year Benchmarking Study – Workers Comp Claims Staff Turnover Increasing I viewed/attended a webinar sponsored by various Workers’ Comp organizations just before the Holiday. Not
Experience Mod Predictions – Accuracy Depends on Who/Whom You Ask Most Experience Mod predictions can be a tedious process that has cofounded most people working
New Study Explains Why Opioids Did Not Work As Intended What do you mean opioids did not work? Yes, according to a new six-year study.
Workers Comp Expert Witness – 50 State Guru? Now that I have been a workers comp expert witness along with other lines of insurance for
Why Are Real Hourly Workers Comp Costs Higher For State/Local Government? The Bureau of Labor Statistics (BLS) should always be a “go-to” place for any
Reader’s Question on Minimum Experience Mod Premium When the J&L article or newsletter readers email a question, I always try to answer the question as
California Insurance Carriers Update Allstate Says No New HO Policies Two California insurance carriers are now not writing new policies in certain lines of insurance.
Why Would Workers Comp Insurance Carriers Leave A State? For many years, since the workers comp insurance crisis o the 1990s, the workers comp markets
2023 Medical Price Index – WCRI – Annual Free Thorough Comparison Study If you go to WCRI’s (Workers Compensation Research Institute) main page, you should
Insurance Job Postings = Help Wanted 110,348 Times I was looking at a company’s profile on LinkedIn. In the right column, a listing of LinkedIn
Ergonomics Expert Post-Pandemic Q&A @ Mindy Smith, MEng, CPE During the pandemic, I wrote an article based on a great at-home ergonomics article written by
Workers Comp Field Case Managers Post-Pandemic Critical Claims Component Workers Comp field case managers, also known as rehab nurses have become even more critical in
Recent NCCI COVID-19 Data Release Shows Glaring Risk Factor I was reading over the recent NCCI COVID-19 data release that showed which classification codes (job
2023 NCCI AIS 2nd Morning Part 2- Medical Costs Breakdown and Mega Claims The 2023 NCCI AIS 2nd morning (part 2) provided some startling unexpected
2023 NCCI AIS 2nd Morning – Statistical Kai piʻi (Part 1) The 2023 NCCI AIS second morning provided so much great data on workers comp
2023 NCCI Annual Insights Symposium – First Morning Top 10 Concepts The 2023 NCCI Annual Insights Symposium (AIS) provided so much good worker’s comp data
2023 NCCI AIS Conference Next Week – Totally Worth It I will be covering most of the sessions at the upcoming 2023 NCCI AIS Conference.
Virginia Exclusive Remedy Law And Teacher’s Lawsuit Over the weekend, I came across a story in USA Today where the Newport News School District responded
All Lines Claims Adjusters – Where Have All The Generalists Gone? The all lines claims adjusters have now faded into the mist. I rarely run
Rating Bureau Rates – Worrying About Nothing – See Why Over the last two weeks, many articles have appeared on the WC blogosphere where a
Chart Shows Nursing Workers Comp Claims Severely Spiked Recently I was researching background material for the previous article on why unemployment is taxed, but not
Why is Unemployment Taxed But Not Workers Comp Weekly Benefits? With the Federal Tax filing season finishing up this last Monday, J&L always receives this
ChatGPT Workers Comp Minimum Disability Rates Question I decided to try to stump AI again this week by asking the ChatGPT Workers Comp minimum disability
Workers Comp ChatGPT Was Totally Wrong on History I started to use Workers Comp ChatGPT to see what the AI had to say about how
Workers Comp Reserve Schedule – Questions Answered On When To Review In last week’s newsletter, I included an old viral classic article link on when
Workers Comp Fatality Statistics – Solid Governmental Numbers I have used the Workers Comp fatality statistics and accident rate numbers from the Bureau of Labor
Two Prescription Networks That I Use and One Helpful One From the Past Prescription networks, (also known as pharmacy networks) have evolved over the years
2012 – 2022 Workers Comp Prescription Analytics Shows Reversing Trend The Workers Comp Prescription Analytics Report released by NCCI today shows that prescription costs per
2023 WCRI Conference – Top 10 Things I Learned – Part 2 of 2 The 2023 WCRI Conference Top 10 (Part 1) can be found
WCRI 2023 Conference – So Much Learned In The Grand Canyon State The WCRI 2023 Conference’s theme this year was Disruption, Resilience, and Evolution. As
Workers Comp Premium Audit Process Changed Forever Oh no – another pandemic effect article. Yes, we have seen too many over the last 36 months.
Workers Comp Medical Authorizations – Adjusters’ Bane Part 2 One of the tasks that claim departments have struggled with over the years starts with a
Catastrophic Workers Comp Claims – Ghosted Parts Mark Walls of Safety National Insurance and the Workers Comp Analysis Group on LinkedIn posted quite interesting articles
Reopened Workers Compensation Claims Conundrum I have not covered reopened workers compensation claims articles for many years. This type of claim exists on almost all
Healthcare Industry Workers Comp Results – WCIRB Report and Webinar The Healthcare Industry Workers Comp results for the pandemic were amazing, yet not that surprising.
Workers Comp Physical Medicine Extended Treatment – National Study – WCRI WCRI’s (Workers Comp Research Institute) recent study and report on workers comp physical medicine
Health and Workers Comp Insurance Ripe for Combination After finishing up the recent article on indemnity-only claims, one of the questions that I have had
Indemnity-only Claims Spiked During the Pandemic – Why? I have reviewed thousands of loss runs in my consulting career, I have not to date seen
Workers Comp Problem – US Health Index Shines Glaring Light A probable workers comp problem uncovered this week. Sometimes you come across articles and numbers
Workers Comp Fraud Retraction – Where’s The Fraud? Last week, I wrote an article on how most workers comp adjuster work had improved quite a
Remote Claims Adjuster Improvement in One Area During Pandemic Being a remote claims adjuster leaves quite a bit of self-motivation to accomplish the daily adjuster
Workers Comp Decentralization – Will Everyone Work In An Office Together Again? I had written on the Workers Comp decentralization and centralization a few times
Workers Comp Requirement – Do Not Go There Earlier this week, in a previous article, I had promised that I would cover the question –
Paying More Per Unit of Risk- Small Business Workers Comp Policies Where can I find small business Workers Comp coverage? Are there any less expensive
Workers Comp Emergency Room Visits – Very Touchy Subject This is my angle on workers comp emergency rooms as initial medical treatment providers. I am
In-person 2023 Workers Comp Conferences – Recommendations The 2023 Workers Comp Conferences are the true return to normal. One of the most common questions that
Workers Comp Medical Inflation Much Lower Than CPI Workers Comp medical inflation does not equal overall inflation. The following numbers surprised me. I was watching
Workers Comp Test Answers – Last Week’s Test These Workers Comp test answers came from last week’s test. In case, you missed the test, you
Your Favorite Workers Comp App? – My Favorite Revealed Over a decade ago, I started writing on my favorite workers comp apps – specifically Android
Workers Comp Knowledge Test – These Questions Are Not Easy Two of our most popular articles last year covered quizzes that tested workers comp knowledge.
Looking Back to 2022 for 2023 Workers Comp Self-Insured Resolutions Instead of writing up a list of new resolutions, let us see if there have
2023 Workers Comp Resolutions – Year of the Reboot The time is nigh for the 2023 Workers Comp resolutions. Last month we covered the 2023
Experience Mod Projections – Budget Helper I have been asked to provide numerous types of Experience Mod projections over the years. Why do them? Let
Workers Comp Large Deductible Programs – 2023 Resolutions Every year J&L provides resolutions for regular voluntary market policies and self insureds. During a recent phone
Workers Comp Article Publishing – How Do You Start An Article? One of the most frequent questions I receive is how do I find material
The Institutes Offers Free AIC Micro-course Deal I usually check out The Institutes’ website at least every six months. Why? I like to see what
Workers Comp Maximum Weekly Benefit – Fair To Injured Workers? – The Numbers One of the most common disputes that I received in my claims/risk
Answers to the Workers Comp Advanced Quiz – Did You Answer All 12 Correctly? I was supposed to post an article for the answers to
Workers Comp Advanced Quiz – Sharpen Your Pencils Many of our article and newsletter readers requested more quizzes. This website was shaped by readers’ questions
Insurance Treasury Bill Analysis – Largest Foreign Holder Now Dumping The Insurance Treasury Bill Conundrum applies to all of the insurance markets. I had written
Midterm Elections’ Effect – Surprising Conclusion You may have heard of the Interstate Commerce Clause. If not, you are in luck (sort of). With the
Workers Comp Claim Denials Happen All The Time – No, Really They Do Workers Comp claim denials occur rarely nowadays. Hold on, the title of
2022 NWCDC Benchmarking Survey Session Covered Interesting Info The 2022 NWCDC Benchmarking Survey provided some great insight into an internal analysis of their workers’ comp
Quiet Conversations and Session Surfing – NWCDC 2022 Hanging Out and Quiet Conversations with the Workers Comp brain trust plus session surfing with Denise Algire
NWCDC 2022 Technology Search – What I Found This Year Every year for the past 20 years, I have searched through the vendor booths and
Workers Comp System Leaders – Your Voices Can Be Heard – Anonymously Workers Comp System Leaders – a 10-year report card on the workers comp
The associated article to the below pop quiz answers can be found here at this link. The article became very popular over the last two
Workers Comp Presentation in Four Easy Steps Do not let preparing a Workers Comp presentation, or any presentation cause you to stress over what will
Workers Comp Pop Quiz – 10 Questions – Are You Ready? All the answers to this Workers Comp pop quiz can be found in the
Lower Cost Standard Exceptions – Are These Class Codes Disappearing? One of the most common questions I receive now from Risk Managers concerns the lower
Pure Premium Rate Filing Webinar Kept It Simple + Nice Graphics The WCIRB (Workers Comp Insurance Rating Bureau) recently hosted a webinar on the upcoming
Looking Over The 2022 NWCDC Info – My Search for Innovation Continues A few things that I noticed in the 2022 NWCDC info on the
Workers Comp Telehealth – Still A Viable Post-Pandemic Option A few Workers Comp telehealth articles on telehealth have appeared recently in the blogosphere. I titled
Workers Comp Legacy Systems = Systemic? I received a recent email from Rachel @ Rising Medical. Rachel is a great person that understands claims department
Workers Comp Basics – New Book Looks At The Forest Instead of the Trees A long-time friend of mine Nancy Germond decided to grab the
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
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