Workers' compensation is the insurance system that covers medical care and lost wages for employees injured on the job. For an individual employer, the premium impact of that system is driven less by any single claim's severity and more by how quickly and appropriately an injury is triaged. This is measurable through the Experience Modification Rate (EMR): the NCCI formula weights claim frequency far more heavily than the raw severity of any individual claim, meaning five $10,000 claims typically hurt an employer's EMR more than one $50,000 claim—even though the total dollar loss is identical.
The OnMed CareStation® puts triage directly on the floor. A minor laceration or strain gets assessed immediately, instead of waiting for an off-site urgent care visit that turns a five-minute issue into a half-day absence—and, in many cases, a formally recordable claim that wouldn't have crossed that threshold with faster treatment.
For employers in manufacturing, logistics, and food and beverage, these EMR mechanics carry real weight: they determine whether an employer can maintain favorable renewal terms and control insurance costs.
Earlier triage means fewer claims escalate to recordable or lost-time status. On-site clinical care for distributed, frontline workforces resolves minor injuries on the production floor instead of generating an off-site trip and a larger claim.
Frequency generally matters more. The NCCI EMR formula weights primary (smaller, capped) losses at full value while discounting excess losses from severe claims, meaning several small claims often move an employer's rate more than one large claim.
Every term here points to the same gap in healthcare access. See how the CareStation closes it.
Talk to Our Team
