Truckers On The Offensive #019 - F'em Factor

The policy/quote worksheet tells all…

The underwriter has 100% control over the schedule rating. In most states, they can give up to a 25% credit or debit.

When a company is doing a great job, has below-average claims (under a 1.00 MOD), but is being charged a schedule debit, I call this the F’em Factor.

I encourage you to review your policy.

Workers comp and your mod is just a big math problem

If interested, we can do a full review of your program and answer the following questions:

• Am I getting the F’em factor?

• What is the minimum mod our company can achieve?

• How does any particular claim impact our mod?

• How do we get a 70% discount on claims?

• How do my rates per $100 in remuneration compare to others?

• Is our company making the most of our recovery at work program?

• What will our upcoming mod be?

• Could our company direct employees to an occupational medical clinic and gain more control over the claims process?

• Would our company benefit from having a nurse triage service available?