The Stakes: A plumbing contractor with 265 employees was struggling with a Mod of 0.98. The issue wasn’t just the number of claims; it was “malingering”—employees staying home longer than necessary. 80% of their claims included indemnity payments.
The Investigation: The Advisor identified the lack of an injury management process as the root cause. Without a system to bring people back, employees simply stayed home.
The Breakthrough: The Advisor implemented a “Zero Lost Time Program,” creating a bank of transitional jobs so injured workers could return immediately. They aligned this with an incentive program for safety.
The Result: The loss ratio plummeted from 80% to just 9%. The Mod dropped to 0.66. The carrier awarded a 25% Experience Credit, resulting in $177,840 in total savings.