School Goes To Head
of The Class by Recovering $32,000 on Audit.
Insured
School for “Exceptional Children” (autism, down syndrome, etc.);
300 employees; safety committee 19 staff members.
Situation
1.88 experience mod, 300% loss ratio, which means the insurance company
paid out to doctors, pharmacies, and other medical providers three times
more than the premium paid to the insurance company by the School. Based
on that ugly statistic, the insurance company would not continue insuring
the employer. The School also had a 45 year relationship with its current
agent.
Assessment
Claims related to interaction with the children when they have an episode.
Most were soft tissue injuries. There was no return to work program and
the safety committee did not have a list of transitional duty jobs.
Solution
Using Job Bank Worksheets, each department developed a list of possible
jobs that could be done, if there were an extra person in the department.
The lists are maintained in the HR/Finance Department. When an employee
is on light duty, they report to that department to get their assignment.
Result
Mod projection for coming year: 1.27; School received $32,000 because Dean
discovered and corrected errors on the audit. With that money they distributed
a $150 holiday bonus to all employees. A very happy new client with more
committed employees.
