Turn Better Claims Management Into Lower Cost

Every Washington employer pays into L&I. Employers that actively manage claims, reduce injuries, and return employees to work safely can earn a significant portion of those premiums back through the Retrospective Rating Program.

The opportunity is built into the program. Capturing it requires experienced claims management, strong workplace safety practices, and consistent execution over time.

Four Decades of Results

Redpoint has helped Washington employers improve workers’ compensation outcomes for nearly 40 years. Every client works with a dedicated claims consultant and safety professional who advocate for your company, manage claims proactively, identify reimbursement opportunities, and help prevent small issues from becoming expensive ones.

The goal is straightforward: lower claim costs today and stronger financial results year after year.

Two High-Performing Retro Groups

Washington offers many Retro groups. If your company is in manufacturing or healthcare, Redpoint administers two of the state’s highest-performing programs.


Washington Manufacturers Council

Helping Washington manufacturers maximize Retro performance for nearly four decades.

  • 40% average refund over the past seven years
  • More than $28 million returned to members
  • No assessments in the group’s history
  • Dedicated claims consultant and safety representative

 

Learn More About WMC


LeadingAge Retro Group

Washington’s longest-running healthcare Retro group.

  • Founded in 1983
  • More than $10.5 million returned to members
  • Strong long-term performance among comparable healthcare groups
  • Dedicated claims consultant and safety representative

 

Learn More About LeadingAge

Retrospective Rating FAQ

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frequently asked questions

Lead with refund percentage, total refunds, and experience-factor/premium impact. L&I explains retro as a program where employers may earn a partial refund by reducing workplace injuries and lowering claim losses, and competitor pages are also selling lower premiums, lower EMR, and refunds.

Your scorecard page already says employers should focus on multi-year consistency, not the highest refund in one year.

This matters a lot. Vigilant’s own retro article frames assessments as the nightmare scenario: expected refunds turning into unexpected costs, usually tied to rising claim costs, weak communication, inconsistent safety/RTW, and large claims without a plan. Neither group has ever had a third adjustment assessment.

This is where we have an advantage. Another chance to explain we hire claims consultants from L&I.

For both, safety services are included, assistance with attorneys fees, various reimbursements, assistance with Stay at Work at no additional cost (Other groups charge for this), claims management, investigative services.

Refunds in Washington’s Retrospective Rating Program vary by employer and by year, but for well-managed programs they can be significant. For example, Redpoint’s manufacturing group (Washington Manufacturers Counsel) has refunded 40% of member’s premium each year on average over the last eight years.

Refunds are based on how your actual claims costs compare to what you paid in standard L&I premiums. Employers with strong claims advocacy, early return to work strategies, and active safety programs often see meaningful refunds over time. While no refund can ever be guaranteed, our role is to manage claims aggressively and strategically to maximize your opportunity for a favorable Retro outcome.

In the event claim costs exceed a certain pre-determined threshold, an assessment may occur. An assessment means additional premium must be paid to Labor and Industries. This risk is either minimized or eliminated completely through participation in a group.

Retro is a long-term strategy, not a quick rebate. Refunds are typically issued after the close of the coverage year, once L&I has sufficient claims development to calculate final results. In most cases, employers see their first potential refund one to two years after joining, with additional adjustments possible in later years as claims develop. This structure rewards consistent claims management and long-term loss control.

In addition to L&I’s adjustment schedule, your Retro group will most likely hold an amount of the refund for distribution in later adjustments to avoid over-distributing funds.

Yes. Participation in Retro requires meeting basic eligibility standards set by Labor and Industries, including being in good standing with L&I. In addition, each Retro group may have its own underwriting guidelines based on industry, loss history, and program capacity. We review eligibility carefully upfront so employers have a clear understanding of it before joining.

Employers that do not receive underwriting approval are offered the chance to work with us on managing claims for a period of time to get into “Retro shape.” This gives us time to establish a working relationship, build processes to decrease frequency and severity of claims, and implement early return to work systems.

Not all companies qualify, and not all companies are a good fit. Retro works best for employers who are committed to proactive claims management, return to work, and improving workplace safety over time. Some industries, claim histories, or employer sizes may limit eligibility in certain groups. Our job is to evaluate whether Retro makes sense for your business and be honest if another strategy would be more appropriate.

Retro members receive hands-on claims management from experienced claims professionals with deep L&I backgrounds. This includes ongoing claim oversight, employer advocacy, and coordination with return to work efforts. Members also have access to workplace safety support designed to reduce future claims and improve overall performance. Retro is most effective when claims management and safety are addressed together.

Some Retro groups may offer discounts or even cover the cost of legal or investigative services on applicable claims, which can be significant.

Why Redpoint Claims:

Experienced Retro Administrator

Serving as a Retro administrator for nearly 40 years, we have seen the ups and downs of this industry, and keep our ear to the ground on any changes that will impact employers in the retro community. Our team has a thorough knowledge of the inner workings of Retro and knows which levers to pull to maximize refunds.

Proven Results

Redpoint-managed Retro groups have returned a portion of its members premium each year. No Redpoint Claims-managed groups have received an assessment to date. Redpoint’s manufacturing group (WMC) has returned over 100 million dollars in refunds to members over its 30+ year history and has had the highest eight-year average for any manufacturing group for the last five years.

Focus on Claims Management

Retro refunds are great, but an arguably greater savings can be seen on keeping experience factors low. Our “Claims First” approach ensures we are focusing our efforts on what is most impactful, with Retro results following as a natural consequence. An aggressive approach on claims with Labor and Industries is required to advocate for change.

we are in your corner

Trusted by…

“We consider WMC to be vital extension of our own team’s efforts to promote workplace safety and manage workers compensation claims. With their guidance, we are returning employees to work sooner and closing claims more effectively than ever before.”

Bill George

Skills Inc.

“WMC is a true partner in Workers Compensation ClaimsManagement. They provide onsite Workers Comp Best Practices training for our leadership group. The training covered Employer Responsibilities, How to Conduct Through Accident/Injury Investigation, Employer/Employee Relationship Development, and overview of state programs.”

Melyssa Roland

Rainier Industries, LTD.

“As a result of the service provided by WMC, we have saved thousands of dollars on our rates and earned refunds on paid premiums. The claims management service has reduced my administrative load and I have the confidence our claims are being managed.”

Shari Miller

Neil Jones Food Company

“Your proactive approach, logical counsel, and creative solutions have really helped all of us better understand how to move things forward. I also appreciate your willingness to hear and understand our situations and work with all of us on finding the best solutions. I have never had a partnership in risk management like the one we have with you.
Thank you, from all of us, for all you do!!!”

Linda Moseley

SEKISUI Aerospace

“We received our proposed experience rating calculation for 2019. We are so glad our rating is going down and I just wanted to thank you for assisting us towards this end. You are awesome!”

Christina Dugdale

Garden Fresh Foods

“It’s been a pleasure working with WMC. Their knowledge and experienced staff is always helpful, informative, and very responsive.”

Brenda Deaton

Spalding Auto Parts

“I just wanted to send a thank you your way for all the effort and improvements you have attained for our company! Your assistance and direction has really helped us raise the bar on our safety programs and we appreciate it very much!
Thank you from the whole group here at RMG!”

Gary Bourassa

Renaissance Marine Group, INC.

“Thank you for your time. I enjoyed the visit and you provided some useful information that we are able to implement in our shop safety program. “

Craig Dias

K&N Electric Motors, INC.

“You have been my favorite partner for WC in all my years of experience!”

Ambre Gilmore

Horizon House

“We are so thankful to be working with you and the team at Redpoint Claims!”

Loran Bond

Bonanza Press Inc.

“Having Mike’s assistance and mentorship has helped take Northwest Center Safety to the next level and I’m very thankful for him.”

Jonmarie Romero

Northwest Center Building Services

“Your advice to date has been outstanding and much appreciated, thank you!!”
“We at Formula Corp. know the cost of a Time Lost paid by Dept. of L&I first hand… We have been working with Scott DeHem and truly value his advice!”

Mark Lunde + Alan Gangle

Formula Corp.

“WMC is the best! The staff is knowledgeable and extremely helpful regarding workplace safety and claims management. It is a pleasure to have you on our side.”

Ruth Clark

Cobalt Enterprises

“Our company has seen vast improvements in the area of administration and managed claims. This is a company that will help walk you through the tough job of controlling and protecting your company’s bottom line.”

Angela Jones

Angeles Composite Inc.

“We appreciate the work Redpoint Claims has done for and with our company and look forward to a continued partnership. Scott is very knowledgeable and has been fantastic to work with!”

Erin Ratcliffe

Pressco Products

“Between your help managing this difficult claim & our local management team’s handling of KOS “Kept on salary,” this demonstrates once again how valuable our relationship with the Redpoint Claims retro program is. We appreciate your diligence and ongoing support with our work comp claims.”

Danielle Fisher

TekniPlex

“Everyone from our team were appreciative of your services and guidance. Looking forward to continued improvement. Appreciate your support!”

Kristina Harrison-Sherman

Aristocratic Cabinets Inc

“Mike’s presentation was on point as he connected with our crew regarding our current safety culture, and where we want to go. We appreciate our partnership with Redpoint Claims, and we appreciate Mike as he didn’t hesitate to take the opportunity to visit our facility, and help educate not just our front-line supervisors but also challenge our future board members to make a personal commitment to Safety.”

Chad Ferguson

Yakima Chief Hops

“Thanks Scott and I appreciate you jumping in so quickly, nice to see someone has our back!!!!!!  You guys have been awesome so far and appreciate you so much!”

Kevin Williams

Lautenbach Recycling

“We’ve received more communication in the last few weeks than we ever did with (Previous TPA)…  Amy has been AMAZING, communicative, informative, and just overall, actively involved in our W/C claims.  We are VERY satisfied.”

Laurie Miller

Premier Building Systems

“I just wanted to touch base and let you know how much we appreciate Amy. She has done an amazing job […] She has been very dependable, spot on in executing notices and catching things in our files. Held her ground through many claims managers misuse and approving inappropriate things. We feel she has really fought hard for us…”

Brandalee Smith

Ocean Companies

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