J&L Risk Management Consultants

2026 Workers Comp Questions – Top Five Since 2025

JL Risk Management Consultants — Thu, 04 Jun 2026 17:22:37 +0000

Five Most Popular 2026 Workers Comp Questions – So Far This Year Let us open our question mailbag and see what the 2026 Workers Comp question was that came in the most from the blog and newsletter readers, and people who found our website on the internet. Key Takeaways Top Five 2026 Workers Comp questions […]

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Workers Comp DuckDuckGo Searches Better Than AI

JL Risk Management Consultants — Thu, 04 Jun 2026 14:39:01 +0000

Workers Comp DuckDuckGo Searches Better Than AI I came across DuckDuckGo again last week. Many pleasant surprises came from Workers Comp DuckDuckGo searches. Why? Even though Duck.ai is available, the new and improved DuckDuckGo browser has a great search tool. Key Takeaways From This Article DuckDuckGo Browser – much improved Workers Comp DuckDuckGo Search example […]

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Workers Comp Medical Specialty Networks – My Recent Experience

JL Risk Management Consultants — Thu, 28 May 2026 17:28:46 +0000

Workers Comp Medical Specialty Networks – Immediate Referrals Key Workers’ Compensation medical specialty networks should be part of every employer’s network, not just the one provided by your insurance carrier or TPA at renewal. Immediate referrals fulfill part of providing injured employees with immediate care while cutting Workers’ Comp costs. I have often posted, presented, […]

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Self-Insured ALAE Audit – Why It Cuts Comp Costs

JL Risk Management Consultants — Thu, 28 May 2026 16:02:09 +0000

Self-Insured ALAE Audit – Avoid Leaving Money On The Table Let’s first cover a few definitions before covering why any insured, and especially self-insureds, need to perform a Self-Insured ALAE audit. See the article from last week on ALAE. ALAE Definition – Self-Insured Version ALAE – Allocated Loss Adjustment Expenses are the expenses required to […]

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Allocated Adjustment Expense Analysis – The Real Claim Numbers

JL Risk Management Consultants — Thu, 21 May 2026 17:14:55 +0000

Allocated Adjustment Expense Analysis – Secret Within WC Claims Why do I recommend an allocated adjustment expense analysis on Workers’ Comp claims? Let’s cover this Sherlock Holmes-type number, beginning with where to find the numbers. Look at any Workers Comp claims loss run or an individual claim. The three categories are Indemnity, Medical, and Expense. […]

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Workers Comp Psychological Claims – Complicated Adjusting

JL Risk Management Consultants — Thu, 21 May 2026 15:42:55 +0000

Why Are Workers’ Comp Psychological Claims So Difficult to Adjust? Yes, some of the most difficult claims to adjust are Workers’ Comp psychological claims. Let us answer the “Why?” question today. First, let us cover the psych claim matrix. Workers Comp Psych Claim Matrix If you happen to have a claims/risk background, my first suggestion […]

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WCIO NY NV and CA – Shocking Info From 2026 NCCI AIS

JL Risk Management Consultants — Fri, 15 May 2026 15:00:28 +0000

What Do WCIO, NY, NV, and CA Have In Common? Yes, the WCIOs in NY, NV, and CA all do have something in common. Each caught me by surprise, in a good way. As promised in my last article, I found four anomalies of sorts from the 2026 NCCI AIS. The unusual developments expounded upon […]

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Notes and Quotes from NCCI 2026 AIS Sessions

JL Risk Management Consultants — Thu, 14 May 2026 15:55:11 +0000

Notes and Quotes – NCCI 2026 AIS – Sessions – Great WC Info The notes and quotes from NCCI’s Tuesday Sessions are worth a read. See the session notes below. Thanks to Cristine and Madison for inviting me back to the 2026 Annual Insights Symposium. I had to be on my game for this one, […]

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Rarely Used Medical Providers Stil Key For Employers

JL Risk Management Consultants — Thu, 07 May 2026 17:29:22 +0000

Rarely Used Medical Providers – Employers Put Them on Your Referral List Let us cover some of the rarely used medical providers that need to be on an employer’s list of workers comp medical treatment referral lists. Yes, there are some states that allow the injured employee to make their own medical treatment choices. However, […]

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AI Will Not Replace Actuaries – One Main Reason

JL Risk Management Consultants — Thu, 07 May 2026 16:01:45 +0000

AI Will Not Replace Actuaries Anytime Soon I came across a great article that made me ponder for a few minutes. My conclusion agrees with the article totally for the same reason. AI will not replace actuaries or any type of insurance professional for many years. See the last section for the reason. One main […]

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Workers Comp Opioid Crisis – When The System Paid Attention

JL Risk Management Consultants — Wed, 29 Apr 2026 15:45:41 +0000

Workers Comp Opioid Crisis – Fixed or Did Everyone Move on to New Subject? The Workers Comp opioid crisis started in the early to mid-2010s, through the pandemic. What happened to the crisis? Was it fixed, or did everyone move to a new subject, such as workers comp AI or another concern? Let’s go look […]

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NCCI AIS Keynote Speaker – Embracing the AI Revolution

JL Risk Management Consultants — Wed, 29 Apr 2026 14:02:25 +0000

2026 NCCI AIS Keynote Speaker This year’s NCCI AIS Keynote Speaker – Embracing the AI Revolution: Expert Ethan Mollick You can find his interesting academic background at this link. I will be attending the conference up in press row. Come up to the front and say hello. Veering slightly away from WC insurance usually results […]

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Workers Comp Claimant – Avoid The Term (Usually)

JL Risk Management Consultants — Thu, 23 Apr 2026 16:49:20 +0000

Workers Comp Claimant – Not A Good Term To Use Workers Comp claimant or just the word claimant should be avoided by anyone not in the legal profession. Why? Let’s cover the term and why it is not a good idea for claims adjusters, vendors, anyone in the medical profession, or even employers to use […]

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California Classification Code Insights Webinar – WCIRB

JL Risk Management Consultants — Thu, 23 Apr 2026 14:59:56 +0000

California Classification Insights – Great WCIRB Webinar I apologize to the blog and newsletter readers. Due to an eye problem, now resolved, this comes out a week late. The California Classification Insights Webinar can be viewed at the link at the bottom of the article. For more articles on the WCIRB, please check out this […]

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Sustained Volatility NCCI Releases Labor Market Insights Report

JL Risk Management Consultants — Thu, 09 Apr 2026 16:39:22 +0000

NCCI Labor Market Insights Report April 2026 – Sustained Volatility The NCCI Labor Market Insights Report for April 2026 was released this week. My interpretation was that it showed sustained volatility. Yes, if you are an employer or work in the Workers Comp industry, this report will be of interest. Why? Because the labor market […]

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Self-Employed Contractor or Employee – IRS Advice

JL Risk Management Consultants — Thu, 09 Apr 2026 15:00:18 +0000

Self-Employed Contractor or Employee – IRS Provides Determination Assistance One of the questions J&L receives the most often covers whether or not a worker should be considered a self-employed (contractor) or employee. Even though most ot the inquiries received involve the determination for Workers Comp, I have always recommended using the IRS rules. Why? One […]

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Workers Comp ABCs of Task Handling – Easy Method

JL Risk Management Consultants — Wed, 01 Apr 2026 20:03:35 +0000

Workers Comp ABCs – Making Task Handling Easier The Workers Comp ABCs of task handling has saved me hours every week. A few weeks ago, I wrote an article on The Eisenhower Method of making task handling easier. Due to the high article traffic, I decided to publish an article on how I have handled […]

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Workers Comp AI Slop – More Than 50% of Articles?

JL Risk Management Consultants — Wed, 01 Apr 2026 16:52:01 +0000

Workers Comp AI Slop = 50%? – Ways To Detect If you are OK with reading Workers Comp AI slop articles, no one can blame you. I have found many good articles, not insurance-related, and Workers Comp related. which turned out to be AI slop. I decided to do a little research on how far […]

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Workers Comp Claims Adjuster Reductions- Not So Fast!

JL Risk Management Consultants — Thu, 26 Mar 2026 16:37:28 +0000

Frequency Downturn Should Not Cause Workers Comp Claims Adjuster Reductions Every year for the last 20+ years, Workers Comp claims adjuster reductions have been recommended by pundits and prognosticators in the insurance press. What one does not see from an insurance carrier, or Third Party Administrator initiates a reduction in adjuster numbers because claims frequency […]

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Recordable Injury and Illness Rates Lowest Since 2003- Wow!

JL Risk Management Consultants — Thu, 26 Mar 2026 14:16:09 +0000

BLS Says Recordable Injury and Illness Rates Set Record Earlier this week, the BLS (Bureau of Labor Statistics) published its Annual Recordable Injury and Illness Rates report. As somewhat expected, the rates declined again for 2024. Go here to see the BLS webpage. The snapshot of the graph below shows that the recordable Injury and […]

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