The Stakes: A trucking company was paying an eye-watering $800,000 in premiums due to a high injury rate and a lack of light-duty options. Drivers were sitting at home collecting indemnity payments because they couldn’t drive, driving up the Mod.
The Investigation: The Advisor looked for “hidden” jobs within the company. They noticed the company was outsourcing its security guard function at the gate.
The Breakthrough: The Advisor brought the security function in-house and designated it as a “Transitional Duty” role. Now, instead of sitting at home, injured drivers sat in the gate booth, checking paperwork and scanning barcodes.
The Result: By self-insuring the transitional duty wages on just a single case, the company avoided $4,000 in indemnity payments, which translated to a $20,000 premium reduction over three years.