The Stakes: An electronics manufacturer spun off from a national parent company and immediately saw their Mod spike to 1.45. The culprit? Severe repetitive injuries to hands and wrists from light assembly work.
The Investigation: The Advisor found that the company was hiring workers physically unsuited for repetitive tasks. Once injured, these workers drifted into malingering because there was no “Return-to-Work” pressure.
The Breakthrough: The Advisor set up pre-employment “grip testing” to screen candidates. They also partnered with a clinic to ensure doctors knew that light-duty work was available, ensuring early intervention.
The Result: Severe claim costs dropped from $35,000 to $6,500. Malingering was eliminated. Total Savings: $85,500.