The National Council on Compensation Insurance (NCCI) published a new report on how the distribution of fast-emerging, slow-emerging, and total large claims in work comp have changed over time.

Fast-emerging large claims are those that reach $1 million (or the applicable threshold) within roughly 24 months of the injury. Leading causes of fast-emerging large claims include motor vehicle accidents and slips and falls from elevation, which often result in severe trauma that may require extensive in-home care and can drive higher costs.

Slow-emerging large claims reach $1 million later in the claim lifecycle, with prescription drugs often representing a significant cost driver for these claims. Over the past two decades, the share of slow-emerging large claims has declined substantially, while fast-emerging large claims have increased slightly.

Factors contributing to the reduction in slow-emerging claims include lower opioid utilization, as well as improvements in how claims are identified and managed after severe injuries occur.

Earlier identification of specific claim characteristics allows carriers to tailor case management and ensure injured workers receive timely, appropriate care. This proactive approach can improve recovery and return-to-work outcomes while helping manage costs and reduce long-term claim exposure.