loss ratio improvement
decrease in workers’ compensation premium
improvement in their Experience Modification Rating (EMR)

A note from Medical Express Ambulance Service, Inc. (MedEx)

MedEx has always strived to be a leader in the industry. In collaboration with MMA, we’re constantly looking for ways to provide a safer environment.

Lauren Rubinson-Morris, President and CEO | MedEx

MedEx MRMH Award Story

Medical Express Ambulance Service, Inc. (MedEx) is a premier ambulance transportation provider for the Chicagoland area. Due to the manual lifting and physical exertion required of employees, MedEx worked together with Marsh McLennan Agency (MMA) to enhance their risk management tools and safety programs.

MedEx and MMA’s safety team worked together to establish a safe patient handling program, along with a corporate safety committee. Once running, the committee incorporated training that focused on proper lifting, ergonomics, equipment usage, and safe driving to minimize risk when out in the field. MedEx, alongside MMA, also enhanced their pre-employment wellness screening procedures and use of physical exams.

Together, MMA’s Claims Advocacy Team and MedEx formalized an early return-to-work program to accommodate employees with work restrictions. Quarterly claim reviews were conducted with the workers’ compensation carrier to close claims faster and identify possible fraudulent claims. MedEx doubled down on their safety training and education by adding a dedicated training room to simulate workplace scenarios. Monthly, all employees gather in the training room for workplace safety tips.

MedEx even purchased new vehicles that include safety monitoring devices to measure the acceleration rate, hard stops, sharp turns, and mobile device usage. The group also increased their accident investigation procedures to include vehicle data.

Over eight years, MedEx improved their loss ratio by 94% and Experience Modification Rating by 54%, as well as decreased workers’ compensation premiums by 44% (even with a 4% increase in payroll).

Key steps taken

Workplace Safety Initiatives

  • Established a safe patient handling program and corporate safety committee
  • Added a dedicated training room to simulate workplace scenarios
  • Purchased new vehicles that include safety monitoring devices

Employee Wellness and Support Programs

  • Enhanced pre-employment wellness screening
  • Formalized an early return-to-work program

Workers' Compensation Management

  • Conducted quarterly claim reviews with the workers’ compensation carrier

Related insights