Hidden workers comp pricing errors cost senior home care agencies real money.
Often $10,000–$50,000 per year — even with no new injuries.
OsiraOps identifies workers' comp costs already embedded in your payroll and claim data — and helps you correct them alongside your existing broker.
These costs persist by default unless someone actively looks for them.
Estimated avoidable workers' comp cost
$15,000–$20,000per year
From:
Office payroll priced as caregiving risk
Open medical claim reserves still included
Conservative estimate based on real home care data
Credibility & Trust
Built by operators with direct experience inside workers' compensation systems.
Multi-reviewer process
Every X-Mod review is examined by multiple reviewers to reduce blind spots and prevent single-point errors.
40+ years of combined experience
Our reviewers bring experience across claims, classification, and experience rating — totaling more than 40 years inside workers comp.
Conservative, focused scope
We review a narrow set of high-impact pricing drivers using conservative assumptions — no speculative modeling.
Secure, limited data handling
Client data is handled securely, accessed only for review, and never reused or shared.
We provide analytical review, not insurance or legal advice.
A real home care example
Based on a focused review of payroll classification and active claims for a Maryland home care agency — without changing staffing, claims behavior, or operations.
What was driving the extra cost
Administrative and office payroll grouped under higher-risk caregiving classifications.
Conservative estimates based on carrier-reported data.
For many agencies, this equals 600–1,000 billable care hours per year — just to cover avoidable workers comp cost.
How Workers Comp Pricing Really Works
Workers comp premiums aren't priced in real time.
They're calculated using:
- Your payroll
- Your past claims
- A multiplier called an Experience Modifier (X-Mod) that adjusts your premium
If any of that data is overstated — even slightly — your premium stays higher year after year until it's corrected.
Most agency owners never see this math. They just feel the cost.
What OsiraOps Looks For
We look for a small number of common issues that quietly inflate workers comp costs — even when operations are running well.
Open medical reserves that never get cleared
Claims may be operationally resolved, but medical reserves remain open in the system — continuing to affect pricing year after year.
Office payroll grouped under higher-risk class codes
Administrative and office payroll is sometimes grouped under higher-risk caregiving classifications, even when no caregiving work is performed.
Costs that persist simply because no one revisits them
Once higher costs are embedded, they often carry forward automatically — unless someone actively reviews and challenges them.
Every issue we surface is manually reviewed before being shared.
How We Work
We work alongside your existing broker — not instead of them.
We provide analysis, not insurance advice.
No obligation. We work alongside your broker.