How OptiMOD Works

Your experience modification rate is a multiplier on every workers' comp premium dollar. We decompose your mod into the actual loss runs, expected losses, and credibility factors driving it — then model the impact of operational and claims interventions before they happen.

Frequency outweighs severity in mod calculation. We identify high-frequency loss patterns by department, shift, supervisor, and body part, then surface reserve inflation and stale claims that are dragging your mod higher than it should be.

A single mis-coded class can shift premium by 20%+ and skew your mod for years. We map every job duty to NCCI rules, identify governing class candidates, and challenge inaccurate codes with documentation underwriters accept.

Audit surprises are operational failures. We pre-audit your payroll by classification, separate excluded earnings, apply executive officer caps, and prepare your team to walk into the year-end audit knowing the answer before the auditor does.

Safety programs reduce mods only when they reduce frequency. We benchmark your leading indicators, embed return-to-work protocols, and build supervisor accountability into the same dashboard executives review.

Workers' comp performance is not a project — it's a posture. OptiMOD continuously monitors mod trajectory, payroll drift, claim aging, and safety leading indicators, surfacing issues before they reach the next unit stat filing.