Retrospective Rating Program
WASWD's Retrospective Rating (Retro) Program is a risk pool that enables participating members to receive refunds on their state Department of Labor & Industries (L&I) premiums when they minimize industrial insurance losses.
| This voluntary safety incentive program offered by Washington's Department of Labor and Industries allows our members the opportunity to earn refunds on the workers' compensation premiums they pay. |
| When the total claims costs for risk pool participants is less than their L&I premiums, participants can receive substantial refunds - historically as high as $1.1 million for the pool, with over $3 million refunded to date. |
| How the Program Works WASWD's Retro Program is administered by Archbright, a local consulting agency that works with participating members to oversee their L&I claims. Archbright manages the claims, helps reduce the costs through timely claims closure and discovery of over-payments, and aggressively manages return to work efforts. In addition to these services to help elevate employee performance. |
| WASWD's Retro Program is the only opportunity to receive a refund from your L&I premiums. If you want to join the program, click the Join Retro button below to initiate the application process. Not a WASWD member? Click here to join. |
| Watch the Webinar: Unlock Refunds and Strengthen Workplace Safety | ||
| If you missed our recent Retrospective Rating (Retro) Program Webinar, the recording is now available! Hosted by WASWD Executive Director Clark Halvorson and Archbright’s Tim Lundin, this session walks through how the Retro program works, how refunds are calculated, and what’s new for 2025. You’ll also hear real success stories from participating districts and see how Archbright’s tools—like the Mozzo safety and HR platform—support stronger safety cultures and faster claims closure. Since partnering with Archbright in 2020, WASWD members have received over $1.8 million in refunds, with an average return of 36 percent—all while improving return-to-work outcomes and keeping injured workers supported. Whether you’re already part of Retro or just exploring what it could mean for your utility, this on-demand session will help you: |
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✅ Understand how the Retro refund process works
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| Take 60 minutes to see how Retro can turn your commitment to safety into measurable financial results for your district. | ||
| Join Retro The first step to joining the Retro Program is to determine if you have a good safety record with at least a positive loss ratio during two of the last three reporting years. In order to see if you qualify, please fill out the authorization form which gives our Third Party Administrator, Archbright, the ability to obtain your statistics within your Workers' Compensation Account. Once you have completed the form, please email it to staff@waswd.org. |
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