What is delayed return-to-work costing your business?

Annual participating claims × days avoided per claim × employer cost per lost day. Participating claims equal your annual lost-time claims × participation percentage. Days avoided are capped at your current average days out. These are estimated opportunities, not verified losses or guaranteed savings.

Net savings subtract your quoted program fee and additional modified-duty costs. Insurer-paid medical or indemnity savings are not added to employer savings. Avoid counting the same expense in daily costs and modified-duty costs.

Without process change, your entered current EMOD stays constant. With your scenario, the first future renewal also stays at that EMOD, then moves one-third and two-thirds of the way to your entered fourth-renewal EMOD. Premium subject to EMOD, claim volume, operating assumptions, program fees, and other costs stay constant. Figures are not discounted for the time value of money. Calculations use unrounded values; displayed dollars and EMODs are rounded.

This phasing is illustrative, not a rating-bureau formula or a prediction. It does not derive an EMOD from the RTW inputs. Experience periods, reporting lag, claim development, payroll, rates, and state rules can change both timing and results. NCCI generally uses three years of available policy experience with a reporting lag; Michigan and other independent states have separate plans. An actual projection needs the applicable worksheet, loss runs, and rating factors.

Premium savings are annual premium subject to EMOD × (without-scenario EMOD − with-scenario EMOD). Fixed charges, taxes, discounts, and other policy adjustments are excluded. If your assumed EMOD rises, the calculator shows a cost increase.

The calculator runs in your browser. It does not submit your numbers when you calculate. If you continue to the demo page, your estimate is kept temporarily in this tab. You can choose to include it with your demo request, which uses the site’s existing request form.