cabia logo   Go to Home page Go to About page Go to Meetings page Go to News page Go to PAGA page Go to Labor Laws Go to Workers Compansation Go to Join page  
  Pushing to change burdensome labor laws in California.
 
     
  Aggregate California premium comprised almost 30% of countrywide premium in 2015, which is up significantly from five years ago. In contrast, California workers make up about 12% of the countrywide workforce.  
 
  (CABIA California Business & Industrial Alliance - Home > WORKERS' COMPENSATION

 

workers' Compensation

California has a no-fault system, which means that injured employees need not prove the injury was someone else’s fault in order to receive workers’ compensation benefits for an on-the-job injury.

Definition of a (CT) Cumulative Traumas are injuries that arise from repetitive stress, motion, or exposures rather than from a specific accident, that result in disability or the need for medical treatment.

  • (WCIRB) the California Workers Compensation Insurance Rating Bureau reported that CT cases have more than doubled over the decade
  • The Los Angeles Basin accounted for 56% of all CT Claims in the entire State of California
  • More than 90% of all CT Claims involved attorneys
  • Most CT claim are reported after the employee terminates his/her employment 
  • The average cost of a CT Claim cost is 53% higher than a non-CT claim due to attorney involvement. California has one of the lowest burden of proof for CT Claims requiring only 1%, yes 1% causation
  • Allocated Loss Adjustment Expense (ALAE) are costs associated with defense of a claim. They include both plaintiff attorney fees and defense attorney fees. They also include sub-rosa investigation costs and all other costs that must be directly charged to the claim. These costs directly affect the cost of a claim and your experience mod. California has the highest ALAE expense ratio in the nation, more than double the median average
  • Lower Claim frequencies are found in Silicon Valley, 26% less, so again the computer giants are paying less than anyone else in the state

We need to work together and ensure the legislators and lawmakers are aware of the realities of what businesses are dealing with.
Again, high costs driven up by attorneys and false claims. If nothing is done it will continue to get worse and why it is bad as it now.


BRUCE WICK ex officio member
working with cabia to educate california businesses on current issues and their potential cost.

CALPASC Risk management Director

www.calpasc.org
With over 25 years of risk management and insurance experience, Bruce Wick is an industry leader and educator on issues critical to the construction industry. His expertise in the areas of workers’ compensation, Cal/OSHA, construction defect, general liability and workplace safety make him a frequently sought presenter throughout California. Mr. Wick is a regular contributor of articles to various publications and trade journals on construction-related issues. Since 2010 Bruce has also been CALPASC's point person for helping members file claims with enforcement agencies as part of the LEVEL program.

WCIRB Governing Committee - Public Member (Employer Representative)

www.wcirb.com
The Governing Committee sets policy and oversees the management of the affairs of the WCIRB. The Governing Committee is comprised of twelve members: seven private insurers; State Compensation Insurance Fund; and four public members - two representing insured employers and two representing organized labor. Except for State Compensation Insurance Fund, insurer members are elected for three-year terms by the membership at the Annual Meeting, while public members are appointed for two-year terms by the Insurance Commissioner. By statute, State Compensation Insurance Fund is a permanent member of the Governing Committee. The Insurance Commissioner, or his designated representative, is entitled to attend all meetings of the Governing Committee. Generally, the committee meets once per quarter, but may meet more frequently if necessary.

 

 

Richard Frey - Partner - Venalbe LLP

Bruce wick
risk management director 
calpasc
California Professional Association
of Specialty Contractors


employer's fraud task force – associate member

preserving the integrity of our worker's compensation system.

www.fraudtaskforce.orgEMPLOYER'S FRAUD TASK FORCE
The Employers’ Fraud Task Force is a California based organization, Chaired by The Walt Disney Company, committed to combating workers compensation fraud, waste and abuse. The task force was founded in 1998, when visionary industry leaders from some of the Nation’s most prominent employers came together with concerned law enforcement officials. Together they worked to identify the many participants in workers’ compensation fraud, waste and abuse, and deliver anti-fraud tools, solutions and resources to the industry.



 

workers' compensation stastics - (Click on charts to view larger size)

Click here to view larger image - California Written Premium as a Percentage of Countrywide Premium Click here to view larger image - Percentage of Indemnity Claims Involving Cumulative Injury Click here to view larger image - Countrywide Permanent Partial Disability Claims per 100,000 Employees  

California Written Premium as a Percentage of Countrywide Premium

 

Percentage of Indemnity Claims Involving Cumulative Injury

 

Countrywide Permanent Partial Disability Claims per 100,000 Employees

 


Click here to view larger image - Countrywide Ratios of Loss Adjustment Expense Costs to Losses Click here to view larger image - Distribution of CT and Non-CT Claims by Industry Click here to view larger image - Distribution of CT and Non-CT Claims by Region

Countrywide Ratios of Loss Adjustment Expense Costs to Losses

 

Distribution of CT and Non-CT Claims by Industry

 

Distribution of CT and Non-CT Claims by Region

 


Click here to view larger image - Distribution of CT Claims as a Percent	of Attorney Involvement Claims, LA vs other areas Click here to view larger image - Cumulative Injury & Occupational Disease Claims as a Share of Total Claim Counts

Distribution of CT Claims as a Percent of Attorney Involvement Claims, LA vs other areas

 

Cumulative Injury & Occupational Disease Claims as a Share of Total Claim Counts