Article

Macro Signals: State of the P&C Industry

… SIGNAL Strong industry profitability has historically preceded softer pricing conditions. … SIGNAL When supply grows faster than demand, pricing tends to decline. Every industry and … SIGNAL Pricing remains correlated across lines, but divergence has increased. CIAB Rate of Change … SIGNAL Demand for WC and growth in auto insurance are fundamentally linked to the health of the … a high-deductible, employer-sponsored plan. Enlyte Envision Trends 2026 Chapter 1 Figure 4 Top Industry Purchasers WC Insurance Our outlook for the economy is relatively more bearish than …
Article

Macro Signals: Workers’ Compensation and Personal Auto

… SIGNAL Workers’ compensation continues to be a P&C success story, supported by sustained … into the second half of 2026 and 2027. Headwind 1: Wage vs. Medical Inflation Gap May Narrow SIGNAL The wage/medical inflation gap acts like an implicit rate increase when wage inflation … monitoring during periods of declining WC rates   Headwind 2: OBBB Act and Cost-Shifting Risk SIGNAL Shifts in health coverage can change claim behavior and payer dynamics. The One Big …
Article

Top 3 Retail and Mail Order Trends

… Yes. Well, overall, the top therapeutic classes had decreases in cost and utilization by claim. As we just saw the data … a pretty significant jump in the utilization per claim. Both those classes were also among our top five therapeutic categories to experience brand, average wholesale price, or AWP increases in … medications was, as I mentioned, that 17% jump in utilization per claim, while all other top therapeutic classes actually saw decreases in utilization. So they were the only one that …
Article

Ask The Pharmacist: How Digital Health Tools Help Claim Handlers Spot Risk Earlier

… behavioral health professionals, physical therapists and pharmacists. Claim Handler Signal to Watch If the injured individual is missing appointments, waiting a long time for a … pain complaints, more complex medication use or delayed return to work. Claim Handler Signal to Watch If a claim shows delayed recovery, low treatment participation, escalating pain … Help Identify High-Risk Claims Earlier Claim handlers may not have time to connect every risk signal across medical records, prescriptions, billing data, imaging reports and claim history. …
Article

Ask The Pharmacist: The Role of Topical Medications in Workers’ Compensation

… 22% of total medication payments. Dermatological agents and NSAIDs continue to be top cost drivers, and both the number of injured employees using topical medications and the … Top 3 Topicals by Cost …
Article

Plugged-In: EV Collision Insights Q2 2023

… share actually increased to 70.67%, up from 67.87% in Q1, with the Model S reappearing in the top 5 list of most frequently repaired EVs in the country. EV Frequency of Repairable Claims … in the US by 2030. EV Q2 2023 Statistics EV Average Repairable Severity Q2 2023 By the Numbers Top North America EV Markets Based on Repairable Claims Frequency Q2 2023 Top EV Model Frequency by Region Q2 2023 *Difference between Q2 2023 and Q1 2023. …
Article

Plugged-In: EV Collision Insights Q3 2025

… Top North American BEV Markets Based on Repairable Claims Frequency Q3 2025 … Top Five BEVs by Percentage of Repairable BEV Claims *Difference between Q3 2025 and Q2 2025. …
Article

Plugged-In: EV Collision Insights Q3 2023

… Top North America EV Markets Based on Repairable Claims Frequency Q3 2023 … Top EV Model Frequency by Region Q3 2023 *Difference between Q3 2023 and Q2 2023. …
Article

Specialty Solutions Spotlight: Accessing Quality Hearing Aids for Workers’ Comp Claims

… BTE aids are appropriate for almost any type of hearing loss and fit on top and around the outer ear and connects to a custom earpiece within the ear. This type of …
Article

End-to-End Claim Insight: Identifying Risk Early to Protect Outcomes and Cost

… Pharmacy Is an Early Signal and a High-Impact Control Point … Missed visits, stalled functional progress, and prolonged care episodes signal emerging risk well before claims exceed guidelines …
Article

Return-to-Work Considerations for Referral to Field Case Management

… and not sure where to turn? Our video highlights key return-to-work-related scenarios that may signal the need for a field case management referral.   …
Article

5G: What High-Flying Predictions Mean for the Property & Casualty and Collision Repair Industries

… For example, systems have been tested in which vehicles are allowed access to traffic light signal information,” helping drivers, both humans soon and autonomous vehicles later, work in concert with signal timing, improving traffic flow. 5G connectivity will be essential for innovation in … the ability for vehicles to communicate with each other and the environment via 5G may signal greater safety on the road. For instance, with embedded sensors , vehicles could crowd …
Article

Workers' Compensation Pharmacy Legislative and Regulatory End of Year Recap

… compensation pharmacy programs. For pharmacy benefit management (PBM) roles, staying on top of these changes is critical for compliance and operational efficiency. Below is a recap of … Ballot Measures  The  ballot initiatives addressing medicinal and recreational cannabis use signal evolving public sentiment. While states like Nebraska legalized medical marijuana this … compensation policies. Enterprise-wide evaluations of commercial health plan practices may signal future alignment opportunities for workers' compensation PBMs.  Takeaways for 2025  This …
Article

Identifying the Need for Case Management

… there are also many other circumstances that can occur throughout the claims process that signal the need for field case management.  Watch the videos below to see if your claim may be in …
News Release

Several Marijuana Bills Under Consideration

… for recreational use. Legalizing marijuana for recreational use was one of the Governor's top agenda items for 2019. Texas SJR 8 proposed a constitutional amendment to legalize marijuana …
Article

Specialty Solutions Spotlight: The Significance of Tesla in MRI

… magnetic strength leads to improved image quality, primarily through the enhancement of signal to noise ratio (SNR). Consequently, a higher SNR translates to more precise and accurate …
Podcast

Pulsing Recovery: Bone Growth Stimulation's Impact on Comp

… So, yes, these devices are placed externally on top of the fracture site. Then, electrical pulses or ultrasound signals are sent to the fracture …
Article

From Reactive to Proactive: How to Leverage Data to Capture Savings

… if they always are having to bend down to pick up towels, why not put the towels at the top of the cart and then they don't have to bend over. Little changes like that can make a big … We've got all of this data sitting out there in structured databases and then layering on top of the unstructured data, the medical records, the notes, etc. Conversational business …
Article

Ask The Pharmacist: FDA Approval of Non-Opioid Medication for Acute Pain

… in workers' compensation cases. Key Features of Journavx Mechanism: Oral, non-addictive pain signal inhibitor Dosage: 100 mg loading dose, followed by 50 mg every 12 hours Duration: Use …
Article

Top Trends in P&C Networks
Blog

Investigating the Top Therapeutic Classes

… prescribed. Decreases in opioid utilization have led to a larger class share for five of the top six therapeutic classes. Non-steroidal anti-inflammatory (NSAID) utilization increased 1.3% and is the largest increase of the top 10 therapeutic classes. This non-addictive class of drugs can be used alone to treat pain and …
Article

Ask The Pharmacist: What Adjusters Need to Know About Trubrexa, a High-Cost Topical Analgesic

… A local anesthetic that temporarily blocks sodium channels in nerve membranes, preventing pain signal transmission … A natural compound derived from chili peppers that depletes substance P, reducing pain signal transmission over time Clinical Considerations Current evidence does not show Trubrexa …
Article

Ask The Pharmacist: Medication-Related Fall Risk in Workers’ Compensation Claims

… and other adverse events. For adjusters, age alone should not trigger concern. The stronger signal is age combined with medication risk, delayed recovery, new balance complaints, reports of …
Article

Frequency and Severity Trends in Auto Claims

… brakes in the case of an emergency when the technology is only designed to deliver a warning signal. 8 It’s important that the automotive industry plays an active role in instructing drivers … 5 https://autoweek.com/article/car-news/us-traffic-deaths-top-40000-third-year-row 6 https://www.iihs.org/iihs/sr/statusreport/article/54/1/1 7 …
Enlyte

FairPay Flex: Top States Fast Facts
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View From The Top: Alex Sun
Blog

Top 5 Opioid Medication Trends in 2019

… 2019 yielded another year of declines in both opioid utilization and cost. The top 5 opioid medications comprise the majority of all opioid scripts and cost, and their activity …
Blog

Top-Ranking Drug Classes in 2019

… a deeper dive into some of the therapeutic classes showing the biggest increases among the top 10 ranked by cost from our 2019 analysis. … cost per claim (up 1.0%), and cost per script (up 0.2%). Except for opioids, the remaining top 10 therapeutic classes experienced increased utilization per claim, however, most by 3% or … common. Again, an 11.2% increase in utilization was seen for this class from 2018 to 2019. The top contributors to cost within the topical class include prescription topical Nonsteroidal …