If you’re like most work comp agents, you’ve probably had this moment before:
You run a mod analysis for a prospect. You uncover issues—injuries driving up costs, claims that could’ve been better managed, and a mod that’s costing them big.
They’re interested. You’ve got their attention.
And then they ask the million-dollar question:
“So… what would you do differently?”
That’s the gap we built LightDutyWorks to close, part of our new Mod Performance Suite.
Because let’s face it—mod analysis alone isn’t enough. While it’s a powerful way to uncover issues and start the conversation, the agents who win are the ones who come prepared with a plan. They don’t just show problems—they show a clear path forward.
And one of the most effective ways to move the needle?
A return-to-work/light duty program.
Why Return-to-Work Programs Matter
Return-to-work (RTW) programs are more than just a box to check—they're a critical strategy for controlling workers' compensation costs and improving employee outcomes. Effective RTW programs can:
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- Reduce claims costs: Employers can save up to 70% in claims costs when injured employees return to work promptly, even in modified roles.
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- Lower experience mod: By facilitating quicker returns to work, employers can decrease the duration and cost of claims, positively impacting their mod and, consequently, their insurance premiums.
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- Improve employee recovery and retention: Employees who return to work sooner often recover faster and are more likely to stay with the company, reducing turnover and associated training costs.
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- Enhance workplace culture: Helping injured workers come back quickly is good for morale, both for the injured employee and their coworkers. It’s a good way to show that your company cares.
Despite these benefits, many employers struggle to implement effective RTW programs.
The Challenges Employers Face
Implementing a successful RTW program isn't easy. Common hurdles include:
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- Lack of formal policies: Without clear guidelines, it's challenging to manage RTW processes consistently.
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- Inadequate job descriptions: Employers often lack detailed job analyses that align with medical restrictions, making it hard to identify suitable modified duties and then get needed approval from medical professionals.
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- Communication gaps: Coordinating between injured employees, healthcare providers, and internal teams can be complex and time-consuming.
These challenges can lead to prolonged employee absences, higher claims costs, and increased premiums.
Introducing LightDutyWorks: A Turnkey Solution
To address these challenges, we've developed LightDutyWorks, a comprehensive tool within our new Mod Performance Suite designed to simplify and streamline RTW programs. Here's how it helps:
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- Customizable RTW policies: Establish clear, company-specific guidelines to manage RTW processes effectively.
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- Medical restriction forms: Standardized forms facilitate communication between healthcare providers and employers, ensuring appropriate accommodations.
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- Searchable job bank: Access a database of modified duty job descriptions tailored to various restrictions and abilities, making it easier to match employees with suitable tasks.
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- Customizable offer letters: Generate formal, compliant offer letters for modified duty assignments, reducing administrative burden and legal risks.
With LightDutyWorks, agents can provide clients with a ready-to-implement RTW program, adding tangible value beyond traditional mod analysis.
The Complete Mod Performance Suite
We knew mod analysis was extremely powerful, but lacked the ability to present viable solutions. That’s why we built LightDutyWorks, to make it easy for agents to help improve performance and get clients results.
But we knew there was one more missing piece: knowledge about the ever-complex experience mod. That’s when we decided to add one more element to our new Mod Performance Suite. It combines:
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- ModSure: Our proven tool for simple yet robust mod analysis
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- LightDutyWorks: A new turnkey return-to-work program solution
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- Expert mod support: Access to strategies, training, and personal support from Kevin Ring, our brand-new Chief Experience Mod Officer (CXO) and a nationally recognized mod expert from the Institute of Work Comp Professionals (IWCP)
Together, these components empower agents to identify issues, provide actionable solutions, and get the personal mod support and expertise they need, setting them apart in a competitive market.
Ready to Elevate Your Work Comp Strategy?
If you're looking to go beyond traditional mod analysis and provide clients with actionable solutions that drive results, the Mod Performance Suite is your next step.
Learn more about how it can transform your approach to workers' compensation here, or contact us for a personalized demonstration.
