Worker's Compensation

The true strength of Mainstay’s Worker’s Compensation program is centered on our own self-insurance, as it allows us to take full control over the oftentimes unmanageable cost of labor. Additionally, we are exempt from abiding to the rules of XMOD’s and Class codes. As a completely self-insured entity we benefit from only taking the risks that we can manage. Our contributions are therefore based solely on the amount we believe it will cost to handle our claims. Mainstay’s aggressive efforts towards finding employment for displaced employees, closing claims, and preventing fraud at the source further enables us to remain the preeminent low cost provider in the market.

Injuries that occur at work cause your insurance company to pay more money for claims, which in turn effect your Worker’s Compensation rate. The majority of companies try to affect this issue by aggressively going after the cause of these high rates. However, in order to truly control Worker’s Compensation issues, a company must focus primarily on the causes of injury.

Mainstay’s three-pronged risk management program prevents the direct causes of high worker’s compensation costs:

We believe that risk management is a partnership, and it takes a willing partner to aggressively reduce this cost. All California employers have the added opportunity to take part in our Safety Incentive Program, which pays back workers’ compensation contributions in only 18 months.

Mainstay’s Early Return to Work Program

Mainstay has the most aggressive program for getting employees back to work in California. Our Early Return to Work program gives your company the tools to significantly impact one of the largest influencers of worker’s compensation rates: lost time claims.

The best way to reduce the cost of a lost time claim is simple – get the employee back to work. Our Early Return to Work program utilizes our network of staffing partners in order to ensure that we find a job for every injured employee that comes our way.