1. 1 Bringing Thor’s Hammer Down On Work Comp Claims

2. 2 ► Accident Investigation ► Safety Inspections & Safety Training ► Loss Trending ► Understanding WC Pricing ► Hiring Practices ► Timely Reporting ► Managing Claim Costs ► Experience Mod Analysis ► Transitional RTW Impacting Workers’ Compensation Costs

3. 3 ► Hiring Practices ► Position posting outlines responsibilities ► Written job description ► Essential functions ► Job qualifications ► Physical requirements ► Interview, offer & screenings ► Educational and professional records review ► Background and criminal records check ► Drug and alcohol screenings ► Personality/psychology testing ► Physical job functions testing ► E-Verify and I-9 documents Impacting Workers’ Compensation Costs

4. 4 ► Timely Reporting ► Faster treatment ► Prevents injury exacerbation ► Future accident prevention ► Lower costs Impacting Workers’ Compensation Costs

5. 5 ► Timely Reporting (cont) ► 7 days/24 hours ► $50/$150/$300 ► 2 nd week – 18% increase ► 3 rd – 4 th week – 30% increase ► >1 month – 45% increase ► Back injuries – 1 week delay = 40% increase Impacting Workers’ Compensation Costs

6. 6 ► Transitional Return-to-Work Benefits ► Promotes faster healing ► Maintain consistent level of pay ► 2x more likely to return to work ► Maintain skill levels / productivity Impacting Workers’ Compensation Costs

7. 7 Three years of past experience, not including the expiring policy period. - Policy effective 3-1-14 3-1-13/14 – not included in calculation, policy year not fully developed 3-1-12/13 – included in calculation 3-1-11/12 – included in calculation 3-1-10/11 – included in calculation 3-1-09/10 – loss experience dropping off Understanding the Experience Mod…Experience Rating Period

8. 8 Understanding the Experience Mod

9. 9

10. 10 Each Mod Point is valued at $500 premium dollars Understanding the Experience Mod

11. 11 RTW Impact on Experience Modification Factor

12. 12 Questions? Shawna Neilson 574.245.3544 sneilson@gibsonins.com