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Work Comp Premium Reduction (Savings) Through Employee Reclassification

A. Insurance Company told Water Treatment Company that it would reclassify Employer’s Outside Salespeople to “Chemical Mixers” with resulting premium increase of over $500,000 per year.

  1. Tried case before Department of Insurance. Got insurer to settle and stipulate that employees would remain outside salespeople.
  2. Savings to employer: Total premiums saved over 3 years: $1,656,562.

B. Got all Jewish Community Centers in California reclassified from “Athletic Club” to “YMCA.” Result:

  1. Refund of premium for 3 past years: $77,000.
  2. Premium saving: $44,000 per year for future years.

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Experience Modification (“X-Mod”) Rate Reductions

A. Water treatment company

  1. Got insurance company to reduce reserves on open cases by $444,153.75.
  2. Result — X-Mod reductions:
    California: 129 to 103
    National: 86 to 64.

B. Restaurant chain in California

  1. Got insurance company to reduce reserves by $109,325.15.
  2. Result — X-Mod reduction:
    California: 167 to 122

C. Jewish Community Center

  1. Got Work Comp Insurance Rating Bureau to reclassify employer from Athletic Club to YMCA.
  2. Result — X-Mod reduction:
    California: 139 to 88

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Premium Refunds

A. Through Employee Reclassification

  1. Got all Jewish Community Centers in California reclassified from “Athletic Club” to “YMCA.”
  2. Result — Refund of premium for 3 past years: Average of $100,000 per JCC
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