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Biltmore Corporation – Extensive RTW Program = Low E-Mod


Biltmore Corporation (Asheville) Return to Work Program

The Biltmore Corporation (Asheville, NC) has an extensive return to work program.

I am attending the North Carolina Safety Conference in Greensboro this week.  I attended one of the safety sessions that featured the Biltmore House/Biltmore’s Safety Manager Andy Spradley.

Picture Of Biltmore Corporation
Wikipedia – Ebyabe

One of the main topics in his presentation was the extensive Return to Work program that the Biltmore Corporation has in place where almost any injured employee knows they have a place to return to work to and be gainfully employed after a Workers Compensation accident.

The Biltmore Corporation, of course, has a credit Mod – one that is below 1.0. The Return to Work programs ranks only behind prompt industrial-based medical care in my Five Key/Secrets to Saving on Workers Compensation. The other associated topic on saving Workers Comp $$ is Biltmore has a complete job bank that is supplied to any treating physician.

How easy can a company make it for a physician to immediately return an injured employee to work?  The treating physician has a job bank in front of him/her when making the return to work decision.

The other one of the Five Keys is how the employee is treated after an injury.  Gainful employment has, is, and always will be the best therapy for an injured worker.  Keeping an injured employee in the mode of working every day is a win-win for all parties.

Doctor Biltmore Corporation Talking To Patient

The silent part of the equation is that the WC claims adjusters know that Temporary Total and Temporary Partial disability benefits are not part of the equation.  Permanent Partial Disability and medical would be the only costs that a claims staff would assign to a file.   This is an immediate mod-lowering technique.

The Biltmore Corporation also has a working relationship with their WC claims adjusters.  I often see where employers do not involve the claims adjuster in their WC decisions.  Many employers do not even know who their claims adjuster is and my likely have never spoken to the WC claims department.

Making the WC claims to process a team effort involving the claims adjuster will always reap benefits at the time of policy renewal.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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