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School System:

Large Deductible Case Study

A school system, originally on a Guaranteed Cost Workers’ Compensation policy, moved to a Large Deductible program to obtain additional premium savings. In the first year of its Large Deductible policy, claim costs decreased by 62% and claim count decreased by 39%. The schools system’s success can be attributed to strong management commitment to safety, implementation of crucial safety programs including Post-offer Medical Questionnaires, and a strongly enforced Early Return-to-Work program.

With a Large Deductible policy, our team at Prescient National works in close conjunction with the employer to keep all parties informed and up-to-date on claims. This includes areas such as:

  • Regular claim reviews
  • Consultations on establishing reserves
  • Assistance with Early Return-to-Work opportunities
  • Assignment of third-party party vendors

Why choose our Large Deductible program?

  • Cost Savings. Workers’ Compensation premium is significantly discounted and employers remain fully insured.
  • Flexible Products. Choose the premium and deductible level that best fits your organization. Deductibles range from $25K to over $1M depending on state requirements.
  • Quality Service. Aggressive claims management, combined with constant collaboration and communication with the employer, ensures satisfaction among all parties involved.

We are Prescient National.

And together with you, we’re creating solutions that will yield greater benefits in the long run.

(855) 230-9751

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