Starlene Enfield, M.Ed., CRC
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Medical severity — not overall claim frequency — emerges as the defining trend across the 2022–2025 loss years. Enlyte data is consistent with NCCI and WCRI reporting, overall workers’ compensation claim frequency remains flat to declining nationally. The notable change within this dataset is not the number of claims occurring across the system, but rather how medical services are being delivered, accessed, and utilized within existing claims.
Workers’ compensation continues to be one of the P&C industry’s most consistent underwriting success stories, supported by sustained operational discipline rather than short‑term tailwinds.
Claims management does not operate in isolation. It responds to — and reflects — broader economic, legal and structural forces shaping the insurance market. Pricing cycles, inflationary pressures, labor dynamics, medical cost trends, litigation patterns and capital market performance all converge to influence loss ratios and operational strategy.
Complex claims require more than a utilization review determination. Learn how connecting UR with case management, pharmacy, peer review and clinical oversight helps claims teams identify risks, remove barriers and improve outcomes.
Join Enlyte for a 30-minute discussion on why even strong claims teams are seeing leakage in bodily injury claims and why it often comes down to inconsistent demand evaluation creating unnecessary financial exposure.
As experienced claim handlers retire, a new generation is reshaping referral management. Discover how automation and connected workflows reduce administrative burden and support faster claim outcomes.