The Stakes: A glass manufacturer faced a $12,000 claim when an employee injured a shoulder. The doctor wrote a standard note: “Two weeks off duty.” This would have triggered an indemnity claim, hiking the Mod and premiums for three years.
The Investigation: The Advisor saw a communication gap. The employee hadn’t told the doctor about the company’s light-duty options, and the doctor hadn’t asked.
The Breakthrough: The Advisor called the doctor’s office immediately, explaining the specific “Recovery-at-Work” tasks available that wouldn’t stress the shoulder. The doctor agreed and re-wrote the prescription for immediate return on restricted duty.
The Result: The employee returned to work the next day. The claim remained “medical only” (zero indemnity), saving the company $12,000 in future premium impact.