John Bobik, Author at Insurance Thought Leadership



John Bobik

John Bobik

John Bobik’s workers’ compensation career began in 1979, when he joined British-owned C.E. Heath Casualty and General Insurance Ltd. He was responsible for Heath’s technology solutions addressing world-wide insurance lines of business needs, with particular emphasis on workers’ compensation.

C.E. Heath was founded by Cuthbert Eden Heath, who was the first non-marine underwriter at Lloyd’s of London and has often been referred to as father of the modern Lloyd’s of London. The Heath syndicate was the first to offer workers’ compensation insurance in the U.K., in 1880, and also played a significant role in opening the U.S. insurance market for Lloyd’s. Heath became legendary when he instructed his claims administrators to “pay all of our policyholders in full, irrespective of the terms of their policies,” to all those affected by the San Francisco earthquake in 1906.

Over his 35-year career, Bobik has advised some of the most prominent underwriters of workers’ compensation around the world on their technology and processes associated with claims handling.

In recent years, Bobik has focused on developing a disability claims handling methodology, along with its accompanying technology, called “Minder,” to deliver a most advanced disability claims management system that fully encompasses all processes associated with returning a person to the workforce, controlling costs at the same time.

Recent Articles by John Bobik

Race Is on for Bots in Workers’ Comp

The thoroughbred horse Spring Racing Carnival is in full swing in the state of Victoria, Australia, culminating in the running of the Melbourne Cup, “the race that stops a nation.” Attendance at what is more akin to a “garden party” setting can well exceed 100,000 on Derby Day, Oaks Day and Melbourne Cup Day, and […]

It’s Groundhog Day for WC Claims Handling

The popularity of the 1993 Bill Murray movie rendered the phrase “Groundhog Day” with a common reference to a continually occurring unpleasant situation, according to Wikipedia. Workers’ compensation claims handling seems to be stuck in a time warp with the same unpleasantries year after year no matter how many attempts have been made to address […]

Is Change Really Happening So Fast?

Lots of people are saying these days that the insurance industry, after essentially not ever changing, is suddenly moving too fast to follow — for instance, the recent ITL article, “Feeling Like a Keystone Cop.” But in my 37 years in the industry, insurance has evolved continuously. Insurers have changed from the days where syndicates […]

The ‘CURES’ for Work Comp Claims

When an injured worker submits a claim, it initiates processes aimed at returning the injured worker to gainful and sustainable work at the earliest possible time. In this journey, checkpoints and milestones are the best means to monitor progress. Checkpoints generally relate to visits with a medical practitioner where medical conditions are checked against expectations […]

Would a Formulary Help in California?

Introducing a closed pharmaceutical formulary into California workers’ compensation could produce two main benefits. The first is to further lower the cost of pharmaceuticals by either restricting or eliminating certain medications. The second is to reduce the possibility of drug addiction. An October 2014 California Workers’ Compensation Institute (“CWCI”) report titled, “Are Formularies a Viable Solution for […]

Are MPNs Hindering Quality Care?

Have medical provider networks (MPNs) lived up to expectations of improving access to quality of care while reducing medical costs? Recent accusations raised against Janak K. Mehtani, M.D. (“Mehtani”) before the Medical Board of California, Department of Consumer Affairs, would suggest not. (Specific details relating to case # 02 2012224474, effective Jan. 13, 2015, are […]

Stop Overpaying for Pharmaceuticals

Legislators in all jurisdictions have attempted to rein in the cost of pharmaceuticals in workers’ compensation in an effort to reduce insured employers’ workers’ compensation premiums. California, in particular, passed legislation between 2002 and 2007 to reduce pharmaceutical costs, yet expected reductions have not been forthcoming. Attention needs to focus on whether claims administrators have […]

An Argument for Physician Dispensing

A January 2015 Workers’ Compensation Research Institute (WCRI) study that focused on three new medication strengths has again questioned the practice of physicians dispensing medications.  Some analysts argue that the new strengths are designed to skirt price controls and generate exorbitant profits for doctors and drug manufacturers and repackagers. But another explanation is possible: that […]

The Paradox on Drugs in Workers’ Comp

Pharmaceuticals remain a large component of both total claims and medical costs in treating workers’ compensation injuries and illnesses. On the plus side, pharmaceuticals lower medical costs by decreasing demand on other health resources, improve health outcomes, including treatment safety, and provide earlier opportunities to return to work. On the negative side, prices can be […]

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