Testimonials

My Life and Job Are Way Better

Workers compensation can seem like everyone's worst nightmare. HR has to drop everything and handle a claim, injured employees don't know where to go or what to do, supervisors are scrambling to find a way to make up the work, and Accounting is worried how much this will cost them.

Short of bubble wrapping your entire office, there's only so much you can do to prevent workplace injury. It's what you do after an employee gets hurt that will make all the difference. It's a lack of effective processes that leads to mismanaged claims, which then leads to more work for HR, more time doing nothing at home for the employee, more costs associated with the claim, and a major headaches for everyone involved. Find out how your life and job are way better with tools and expert support from your work comp professionals.

Supervisors and Support Roles: My Job Is Way Better

Uh-Oh. Now What Went Wrong?!? You try to keep your head down and just do your job, but every once in a while SURPRISE! Something goes horribly wrong. You're scrambling to figure out what happened, and how you can fix it, just waiting for the axe to fall. Days like these make you want to crawl under your desk and hide until it all goes away.

Failure is a horrible feeling. Even if your boss forgives you, you never really forgive yourself, and you certainly never forget. Your failures come back to haunt you in the dead of night, sometimes years later, striking that same chord of panic.

Hey, sometimes things just happen. But fortune tends to favor the prepared. With the right tools and expert support, you can sleep soundly at night and never wake up in a cold sweat ever again.

Employee: My Life Is Way Better

What would you do with $40,000? Buy a new car? Pay down some bills? Book a trip to Vegas? Now what would you do with that $40,000, if that's all you had to live the rest of your life?

That's what permanent disability looks like to an injured employee. Day time commercials for law firms would have you believe work comp is a get-rich-quick scheme and everybody is in on it. But in reality, most work comp claims are from employees who have never been injured on the job, and the last thought on their mind is, how much can I get from my employer? They're wondering: am I going to lose my job? Will I be able to support my family?

Employer: My Job is Way Better

Most insurance agents would have you believe the best way to lower your insurance premium is to bid and quote, but not just because they want your business. Most insurance agents simply don't all the little things that can have a major impact on how much you pay for work comp premium, or if they do know, they don't have the time or the manpower to face those issues head on.

Employers often don't have the time, and even if they have the manpower, most HR or loss control managers have little to no experience with workers compensation, beyond simply preventing injuries, or taking it out to bid. Of course, they'd never tell you that because they want to keep their jobs. So they'll keep on revising safety policies and bidding and quoting, because that's the only way they know.

Find out what it's like to have confidence that your employees are productive, your customers are happy, and your management team can handle any work comp claim or issue thrown their way, with tools and expert support.


"We value our relationship with Minnesota Comp Advisor as our most beneficial of all business partnerships. Their take is truly a partnership where they look out for you and your employees' best interest: getting employees quick, quality care all while doing a stellar job at managing claims and keeping costs as low as possible. Since working with Minnesota Comp Advisor, our mod rate has been reduced by half due to their hard work, wisdom, and promptness. They also provide excellent HR support. We are approached many times per year by competing agencies but this just serves as a reminder of how satisfied we are with Minnesota Comp Advisor."

- Nick Walters, Payroll/Billing
All Home Health, Bloomington, MN


"We have seen concrete results from our engagement with Minnesota Comp Advisor. In just 1 year, they were able to get a claim closed before our mod was calculated which saved us premium on our next renewal and were also able to correct an audit and recover almost $2,000. They have also help tighten up other areas that will lead to better outcomes for our bottom line."

- Paul Anderson, CFO
Sunrise Health Services, Stacy, MN


Most people want to feel like they are making a contribution to support their family. They don't want to sit around doing nothing at home, feeling sorry for themselves, like they don't matter. Employees want to know you care, you support them, you're on their side when a workplace injury occurs. Having the right processes in place means your employees know they are cared for, and they're willing to stick with you, even in the most trying of times.


"It's great to have a resource that helps us keep our employees safe!!!"

- Katie Kretsh, HR Manager
CKC Good Food, South St. Paul, MN


Minnesota Comp Advisor has helped hundreds of Minnesota employers, from schools and healthcare to construction and manufacturing, get their work comp under control, with tools and expert support. Whether you insure through us or not, we can help you manage the work comp issues driving your experience mod and premiums through the roof.

The Minnesota Comp Advisor team works tirelessly to educate employers, manage claims, and lower work comp costs, resulting in higher productivity, higher profits, and lower premiums. See how we've helped our clients achieve success in work comp.


Success Affirmed

Find out how employers in multiple industries and across the state have found much success with Minnesota Comp Advisor. Names have been removed to protect sensitive work comp information.

Lower Mod - Higher Savings


Hospital, Crosby, MN

Audit review uncovered uniform allowance and life insurance (excluded remuneration) were included as payroll, when they should have been excluded. Removed excluded remunerations from payroll audit which helped lower the experience mod.


Lawn and Landscaping Service, Eden Prairie, MN

Audit review revealed that in an attempt to balance the difference between the 941 and payroll reports balance, the auditor added $132,000 in the highest rated (and most expensive) class code. Negotiated payroll into lower rated and less costly class code, resulting in a savings of over $11,000. The audit review also revealed car allowance was included as payroll, when it should have been excluded. Removed car allowance from payroll audit.


Equipment Manufacturer, Minneapolis, MN

Lowered medical reserve by $38,000 prior to valuation date, which helped lower the experience mod.


Staffing Firm, Minneapolis, MN

Lowered medical reserve by $6,000 prior to valuation date, which helped lower the experience mod.


Medical Clinic, Perham, MN

Lowered medical reserve by over $14,000 and lowered indemnity reserve by nearly $4,000 prior to valuation date. Lowered reserves helped lower the experience mod for Perham.


Pool Construction and Maintenance, Plymouth, MN

Noted a claims error that resulted in a lower mod. Contacted Minnesota's rating bureau on behalf of the client, and was able to obtain an updated experience mod, prior to renewal.


In Home Healthcare, Stacy, MN

Discovered excluded remuneration included in the payroll audit, affecting the mod. Contacted the rating agency for the state on behalf of the client and was able to get a revised mod prior to renewal.


In Home Healthcare, Ramsey, MN

Medical reserve lowered by $5,375, lowering the mod. Contacted Minnesota's rating agency on behalf of the client and was able to get a revised mod prior to renewal.


Nonprofit Developmental Health Service, Minneapolis, MN

Lowered medical reserve by $9,000. Contacted the Minnesota rating bureau on behalf of the client and was able to obtain a revised experience mod before renewal.


Carpet Cleaning Service, St. Louis Park, MN

After the experience mod was issued to the client, it was discovered that a claim with a $57,000 reserve was kept medical-only and closed at just a fraction of the anticipated cost, resulting in a 14-point drop in the experience mod. Contacted the rating bureau on behalf of the client and was able to get a revised mod prior to renewal.


In Home Healthcare, Lakeville, MN

Client had a disruptive employee with an old, unresolved work comp claim. Contacted an attorney on behalf of the client and was able to obtain a voluntary resignation from the employee, with no continued wage loss.


Manufacturer, Farmington, MN

Worked with adjuster to lower reserves by $6,800. Contacted Minnesota's rating agency to obtain a new lower mod prior to renewal.


In Home Healthcare, Roseville, MN

Insurance carrier was given incorrect information and was going to pay lost-time (indemnity) on a work comp claim. Contacted the adjuster on behalf of the client and was able to stop lost-time payment on the claim.


Hospital, Crosby, MN

Closed 3 claims with open reserves totaling $17,500 and worked with adjuster to deny a $15,000 lost-time claim from repeat claimant, resulting in a lowered mod.


K-12 School, Hopkins, MN

Reduced medical reserves by $17,900 prior to experience mod calculation.


Industrial Finishes, New Hope, MN

Reduced reserves by $15,201 prior to valuation date.


Industrial Finishes, Minneapolis, MN

Closed two open claims, lowering reserves by $7,450.


In Home Healthcare, Roseville, MN

Closed an open claim prior to valuation, resulting in a $12,000 reduction in reserves.


Nonprofit Housing and Homelessness Agency, Minneapolis, MN

Worked with client to reduce mod 63 points over six years, resulting in premium savings of $42,000.


Residential Healthcare, Minneapolis, MN

Reduced reserves by $12,000 prior to valuation date.


Hospital, Bigfork, MN

Reduced open reserves by $43,435 prior to valuation, resulting in a lowered mod.

Employees Recover Faster, More Fully at Work


Medical Clinic, Perham, MN

Injured employee assigned continuing education to accommodate light duty restrictions, but could have returned to her original position. Contacted the physician on behalf of the client, and was able to get the employee back to meaningful work.


In Home/Residential Healthcare, Rochester, MN (Alpha International Quality)

Injured employee given excessive time off. Contacted the physician on behalf of the client and was able to obtain a revised report of workability. Employee was able to return to work immediately, and claim was kept medical-only.


Manufacturer, Little Canada, MN

Injured employee given 30 days off work for a workplace injury. Contacted the physician on behalf of the client and was able to obtain a revised report of workability. Employee was able to return to work, instead of sitting at home, and lost-time was reduced to just one day.


Industrial Finishes, New Hope, MN

Injured employee sought treatment from the family doctor, and was given a week off. Contacted the physician on behalf of the client and was able to get the employee back to work immediately. Claim was kept medical-only.


Construction, New Market, MN

Injured employee given 9 days off from work. Contacted the physician on behalf of the client and was able to get the employee back to work within a day.


Office Products Retailer, St. Louis Park, MN

A long-time employee suffered a major work comp injury, and management feared he would retire on workers' compensation. Met with an attorney and the insurance carrier on behalf of the client and was able to move the employee to a safer work environment with more supervision.


Livestock Producer, Claremont, MN

Client concerned a workplace injury occurred outside of work. Arranged for the employee to see an occupational medicine specialist who released the employee back to work with restrictions. Client was able to accommodate restrictions and get the employee back to work immediately.


Auto Dealership, Minnetonka

Injured employee given 30 days off work. Contacted the physician on behalf of the client, cleared the client to return to work with restrictions, and eliminated 20 lost-time days from the claim.


In Home Healthcare, Lakeville, MN

An injured employer sought treatment from her family doctor and was given 2 weeks off work. Referred employee to occupational medicine specialist and was able to get employee back to work immediately, with restrictions.


K-12 School, Columbia Heights, MN

Employee taken off work for burns suffered on her hand, but was otherwise able to work. Repeatedly called clinic, but was unable to contact physician for a revised workability. Drove to the clinic and was able to meet with the clinic manager in person. Employee was immediately released to work with restrictions.


In Home Healthcare, Roseville, MN

Injured employee taken off work. Contacted the physician on behalf of the client and was able to get the employee back to work immediately, with restrictions.


Nonprofit Housing and Homelessness Agency, Minneapolis, MN

Coordinated with the client and the insurance carrier and was able to get an injured employee back to work on light duty.

Proper Claims Management Saves Money, Lives


Printing Press, Bloomington, MN

An employee injured at work stormed out of his doctor's appointment, claiming the clinic was demanding he pay in cash, even though employees are never billed for work comp-related treatment. The employee, already well-known to HR, was uncooperative, refusing to return to the doctor and threatening to sue the employer. Contacted the clinic on behalf of the client to resolve the payment issue, and had the doctor and the clinic's office manager give the employee a call. Was able to schedule a new appointment, and even arranged transportation for the injured employee. The employee was thrilled and could not believe the quality of care he received, and was able to return to work.


Hospital, Bigfork, MN

The client was not accommodating light duty, leaving an unresolved claim to hang around, much to the frustration of the administrators. Drafted a light duty position for the client, which was then presented to the employee. The employee refused light duty, terminating work comp payments, and eventually quit, releasing the client from any medical expenses going forward.


Furniture Retailer, Twin Cities, MN

Despite a nurse case manager assigned to the claim, an injured employee was constantly skipping out on doctor's appointments and failing to report to work. Worked with the carrier and the carrier's attorney to start the process of termination, and was able to get the nurse case manager removed from the claim.


In Home Healthcare, Bloomington, MN

Suspected the client was doing something illegal with their payroll, and called the Department of Labor to confirm. Advised the client to desist.


Hospital, Crosby, MN

Took necessary steps to keep a claim medical-only: stayed in communication with the injured employee, obtained a revised workability from the doctor, and all but got the employee to return to work within the 3-day waiting period (after 3 days, the carrier pays lost-time wages, but not before). Unaware of the 3-day waiting period, the adjuster stated she would be paying just one day of lost-time wages. Informed the adjuster of the 3-day waiting period and provided the adjuster with the ruling from the Department of Labor. Adjuster cancelled lost-time payment, keeping the claim medical-only.


K-12 School, Northfield, MN

Adjuster needed MMI (maximum medical improvement) from the orthopedic specialist in order to close an open claim, but was unable to reach anyone at the clinic. Contacted the adjuster and offered to intervene. Was able to obtain final report for the adjuster and the claim was closed.