How Obamacare Could Ruin Your Workers Comp Program ...

One of the most obvious trends in the Workers Comp environment is that health insurance is trumping the attention paid to employers budgets. Who can really blame employers for hinging their decisions on the upcoming Supreme Court result? The one under-the-radar concern that I have is Workers Comp has taken a back seat (or possibly in the trunk) to the health insurance discussions. With the changes occurring with Workers Comp E-Mods for 2013, 2014, 2015 and beyond, Workers Comp should very likely not be a forgotten matter. Safe workplaces are going to reap the harvest in the next few years. Unsafe employers are basically going to pay the price over the next few years. In a way, they will be subsidizing the safe employers when compared to the present Workers Comp system.

For instance, one of our larger current clients is having a 300% increase due to a change in one of their classification codes by their current carrier. If there was too much attention paid to other areas (and we were not a consultant for them), this increase may have slid through unnoticed. The client was able to change most of their employees back to the original class code. They were very happy with the result.

There are many posts involving saving on your Workers Comp program in this blog. Feel free to use the search box on the right side of the page or look in the archives for articles.

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