Five ways to engage. One financial outcome.

SAW Recovery Audit

The fastest way to put recoverable cost back on your balance sheet.

For employers who suspect they're leaving Stay-at-Work reimbursement on the table — but don't yet need a full claim strategy engagement.

A focused audit of your active time-loss portfolio against L&I's Stay-at-Work program criteria, identifying which claims qualify for reimbursement and structuring the documentation required to capture it. Most active portfolios have 3–8 qualifying claims representing $75,000–$200,000 in recoverable cost that TPAs have not pursued.

This is the lowest-commitment way to start working with us. If we don't identify recoverable reimbursement worth materially more than the audit cost, you owe nothing.

• Active claim portfolio review against SAW qualification criteria
• Identification of qualifying claims by recovery potential
• Documentation gap analysis: what's needed to capture each opportunity
• Submission pathway recommendation: in-house, through your TPA, or through us
• One-page executive summary suitable for finance and HR leadership

Engagement structure: Flat-fee audit, scoped to portfolio size. Audit fee credited toward any subsequent Stabilization or Advisory engagement within 90 days.

Claim Leverage Analysis

Know which claims are actually driving your premium — before you decide what to do about them.

For employers who need a portfolio-wide diagnosis: which claims are still controllable, which are already locked in, and where the highest-leverage actions remain.

A focused, one-time analysis of your current claim portfolio. We identify which specific claims are driving future premium cost, where employability is undefined, and what intervention paths remain available — delivered as a prioritized roadmap that gives leadership a clear next-step recommendation, not a hundred-page report.

This is the diagnostic engagement. It's designed for the moment when you know something is wrong with your cost trajectory, but you don't yet have the structured picture to act on.

• Identification of the highest-leverage claims by EMF and premium impact
• Time-loss duration and employability status assessment
• Reserve and cost trajectory signal review
• SAW and Preferred Worker opportunity identification
• Prioritized, actionable recommendation report
• Executive summary written for HR and leadership

Engagement structure: One-time deliverable, scoped to portfolio size.

Quarterly Claim Stabilization Program

The 90-day engagement where the most meaningful work happens.

For employers with rising premium, open time-loss claims, and no clear picture of why — who need both a diagnosis and an active intervention, with a financial narrative leadership can act on.

A structured 90-day engagement designed to identify your cost-driving claims, build an employability and return-to-work strategy for each, model the premium impact of resolution, and equip your leadership with a financial narrative that turns workers' comp from a recurring problem into a managed trajectory.

This is the engagement we recommend most often. It combines the diagnostic clarity of the Claim Leverage Analysis with active strategic intervention across 90 days — long enough to move specific claims, short enough to produce measurable change before the next rating cycle.

• Claim & financial analysis: Cost-driver identification, EMF review, reserve-to-cost gap modeling
• Acute response plan: Prioritized intervention sequence for highest-leverage claims
• ROI modeling: SAW reimbursement potential, premium savings projection, reserve scenario modeling
• Return-to-work program design: Injury-type pathways using O*NET and WA risk class data
• Operational strategy: Kept-on-salary analysis, compensation agreements, wage bracket exceptions, HR training
• Executive summary and leadership presentation package — designed for finance, HR, and elected officials

Engagement structure: 90-day fixed engagement. Scoped to portfolio size and complexity.

On investment: In most engagements, the SAW reimbursement opportunities we identify offset a significant portion of the engagement cost — sometimes all of it — within the first 90 days. The 3–5 year premium savings are the second-order return.

Monthly Advisory

Ongoing strategic guidance for the claims where timing and documentation still matter.

For employers with active claim exposure who want continuous strategic support — not another vendor managing process, but a strategist available month-to-month for the decisions that actually shape outcomes.

A retainer-based advisory relationship providing continuous claim strategy, medical case guidance, cost monitoring, and employability support — focused month-to-month on the claims where timing and documentation still matter. Designed to complement, not replace, your existing TPA.

This is the engagement that sustains gains made during a Stabilization Program, or supports an in-house team that already has good operations but needs strategic depth on complex claims.

• Strategic claim intervention guidance on active time-loss claims
• Medical case strategy and utilization review advisory
• EMF and cost monitoring with monthly reporting
• Appeal and dispute strategy advisory
• SAW and Preferred Worker optimization
• Employability pathway and documentation support
• On-call availability for time-sensitive decisions

Engagement structure: Monthly retainer, custom scope. Most often follows a Stabilization Program or Claim Leverage Analysis.

Return-to-Work Program Design

Build the structure so the next claim has a system to land in.

For employers who want a structural program — not an improvised response to each claim that walks in the door.

A custom return-to-work program built around your actual workforce, injury patterns, and operational constraints. We use O*NET occupational data and Washington risk class profiles to create durable, realistic employability pathways by injury type — so when the next claim arrives, your team has a structured framework instead of starting from scratch.

This is the engagement that converts hard-won knowledge from stabilization work into permanent operational capacity.

• Assessment of current vocational and RTW capabilities
• Customized transitional duty framework by injury type (upper extremity, lower extremity, back, PTSD, post-surgical)
• Job repository and role alignment strategy
• Supervisor workflow and documentation guidance
• SAW and Preferred Worker program integration
• Implementation support and training for HR and supervisors

Engagement structure: Custom scope, proposed individually based on workforce size and injury profile.