RTW’s unique approach to Workers Compensation leads to better outcomes for the injured workers, as well as improved outcomes for our insured customers.
As companies are assigned an experience modification (e-mod) based on their loss experience as compared to others in the same industry, this is a good measure for how they perform over time. Our approach often leads to reduced experience mods (taking customers from worse than average results to better than average results) and ultimately lower costs.
Below are examples of actual RTW customers. It shows their e-mod within the first two years with RTW (when none of their experience with RTW has made it into the assigned e-mod), and where the e-mod is five years later (when all three years of the experience period losses are reflecting their time with RTW).