Retro Readiness
Retro Readiness
Your Path to Lower Workers’ Comp Costs and Earning Refunds
If your company has a higher-than-average loss ratio, you’ve probably been told you don’t qualify for a Retro group and you may not be sure what options are available to you. That’s where we come in.
With Retro Readiness, you get a clear path forward. It’s our program built specifically for Washington manufacturing and agribusiness companies that want to get control of workers’ comp costs and work toward qualifying for Retro refunds.
Refunds are nice but lowering your upfront premiums is even better because it’s a clear sign that your safety and claim strategies are working. And that’s our mission—to help Washington employers lower workers’ comp costs through prevention, proactive claim management, and a smart, tailored strategy.
Are We Eligible?
Authorize a review of your claims. We’ll let you know how we can help!
Workers’ Comp Insights in Your Inbox
Stay current on claim trends, compliance tips, and key updates—all from Vigilant’s experts.
Your Journey
Here’s How Our Retro Readiness Program Works for You
The Start
One Vision, Shared Future
You’re committed to strong safety practices and improved claims management even after a tough year or two. If this sounds like you, you may be a fit for our Retro Readiness program.
Progress
Making Strides
Since partnering, we’re seeing steady, consistent improvement with fewer injuries and stronger claims management—such as early return-to-work strategies and strategic use of Kept on Salary.
The Finish
Welcome to the Retro Group
With a much-improved loss ratio and all indicators pointing to continued strong performance, you qualify to join the Vigilant Retro group. See such a success story below.
What You Get with Retro Readiness:
Through Retro Readiness, as we do with Retro group participants, Vigilant and our wholly owned subsidiary VSI, dig deep into your workers’ comp history to uncover what’s driving your costs and how to bring them down.
Here’s how you benefit:
A Clear Look at Your Past Claims
We start with a comprehensive claims review using our proprietary analytics to pinpoint the most costly claims and the patterns behind them. You gain insight into issues like late protests that extend time loss, overuse of Kept-on-Salary (KOS), missed Independent Medical Exam (IME’s) opportunities, and more so they don’t keep costing you.
A Targeted Plan to Reduce Risk
Whether it’s investing in safer equipment, launching targeted training, or educating your team on high-cost claim types, you get a customized plan to address and make smart, ROI-backed decisions.
Strategic Claims Management That Works for You
We don’t wait. Your dedicated VSI claims manager gets involved on day one so you benefit from fast, fair closures and fewer open claims dragging on. Injured workers get support to return to work as soon as possible, helping you control costs and maintain productivity.
For a full rundown on what to expect from your claims manager, check out this detailed overview.
A Few Highlights of What You Can Expect
You get guidance on the smartest approach for each claim. Whether it’s Kept on Salary (KOS), light duty, or another approach, we make sure it’s managed appropriately. We don’t mandate strategies like KOS since it doesn’t always make financial sense. Instead, you get the numbers, the options and the confidence to choose what works best for your business.
We advocate for you with L&I. When it comes to workers’ comp claims—where every day counts—it’s not just about knowing L&I’s system or who to call. It’s also about having a respectful, credible relationship with L&I built on substance and trust. Without that, you won’t get the results you need. With years of dedicated focus, we’ve gained deep insight into L&I’s operations and expectations—allowing us to drive the best results for our members.
One Company’s Success Story
See how a company like yours lowered its EMR and joined the Vigilant Retro group.
- 2019 EMR at .9862 but soon surged to 1.2653
- Told “no thanks” by other Retro groups when asking to join
- 2021 joined our Retro Readiness program
- 2022 joined our Retro program
- 2025 EMF 0.8322, earning refunds and paying reduced annual premium
