The Stakes: Two Minor League baseball teams were struggling with high rates. The problem was structural: players injured late in the season would simply go home and collect Workers’ Comp all winter because the season was over, making “Return-to-Work” seem impossible.
The Investigation: The Advisor realized that paying the players their relatively low minor-league wages to perform light duties in the off-season was far cheaper than letting a Workers’ Comp claim run unchecked.
The Breakthrough: The Advisor set up a specialized transitional duty program for the off-season. By keeping the players on the “active” payroll (even in light roles), they prevented the claims from hitting the indemnity threshold.
The Result: The teams saved $43,548 and $39,109 respectively, dramatically lowering their Experience Mods for the following seasons.