Your HR team deserves
expert-level WC support.

Lucid Ops gives your HR team the expertise, training, and support to manage workers compensation confidently. It starts with a clear measure of how prepared your organization is for injury, claims, and recovery, scored across ten categories and reviewed by our WC specialist.

Start Your Assessment → See How It Works
✓ Works alongside your TPA
✓ Serving employers nationwide
✓ Value-based pricing
⚡ Expert Reserve Review
Open Claims: Reserve Status
WC-4471 · Lumbar Strain
69 days open · $85,000 reserve
Review Recommended
WC-5102 · Shoulder RSI
57 days open · $120,000 reserve
Review Needed
WC-4489 · Laceration
33 days open · $12,000 reserve
Adequate
Program Risk Score
2 claims need immediate review
68
Moderate Risk
💡 Est. premium impact: $34,000
$34K
Average annual premium impact per client
50 states
State-specific guideline expertise
10 areas
Your WC program scored and expert-reviewed
The Problem

Most HR teams are managing WC without the right tools.

Workers compensation is complex. Carriers and TPAs do their jobs, but they can't replace an informed employer who understands the data, asks the right questions, and manages their program proactively.

📈
Reserve accuracy matters. Claims reserved above their actuarial projection affect your experience modifier, and most employers don't have the tools to evaluate whether reserves reflect the actual claim trajectory.
🤝
Collaboration requires information. The best outcomes happen when employers, carriers, and TPAs are working from the same data. Most employers simply don't have the tools to participate meaningfully in that conversation.
📋
HR generalists aren't trained in WC management. They do their best with what they have, but without the right tools, it's hard to ask informed questions or catch things early enough to matter.
💰
The mod rate is a lagging indicator. By the time it shows up at renewal, the decisions that drove it were made 12–24 months ago. Early visibility into claim trajectory is the only way to influence the outcome.
What we typically find in the first 60 days
Claims reserved above actuarial projection67%
Avg. days before employer is aware of reserve change47 days
HR teams with formal WC training12%
Employers who actively review reserve adequacy8%
Based on program assessments of logistics and manufacturing employers nationwide.
How It Works

From assessment to action in four steps

We do not replace your carrier or TPA. We make sure your team knows exactly what to ask for, challenge, and demand.

1

WC Program Assessment

How prepared is your workers compensation program? We score your organization across ten areas, from hiring and safety culture to claims oversight and return-to-work, and rate your readiness. You get a clear score, your strengths, your exposure areas, and the priority actions that move the number.

2

Expert Reserve Review

We review your open WC claims against NCCI and WCRI benchmark methodology, identify reserves that sit above their expected trajectory, assess litigation exposure, and prepare a professional reserve challenge for your carrier. Every recommendation is reviewed and signed off by our WC specialist.

3

State Guideline Compliance

We check every claim against the treatment guidelines and statutes that govern your state, from Oregon OAR 436 to Arizona ICA/ODG and the equivalents nationwide. We give you the specific citations so you can have informed, productive conversations with your carrier and TPA about treatment benchmarks and compliance.

4

Ongoing Training & Support

Your HR team gets a structured curriculum delivered weekly. Advisor clients get direct access to our WC expert, giving your team the knowledge to work productively alongside your carrier and TPA at every stage of a claim.

Services & Pricing

Value-based pricing that scales to your program

You don't pay for a package. You pay for the value we create against your specific exposure. We quote every engagement to the size of your program and the value we can return, through a monthly retainer, an upfront engagement fee, and a performance fee tied to the savings we deliver.

How We Charge
Monthly Retainer
Quoted based on your company size, risk profile, number of open claims, and program complexity. Covers full platform access, ongoing claims monitoring, HR training, and our expert time, scoped specifically to what your program needs.
  • Full platform access
  • Claim tracking and reserve benchmarking
  • State guideline compliance (OR & AZ)
  • HR training curriculum
  • Monthly program review
Get a Quote →
How We Start
Engagement Retainer
A one-time upfront fee that covers your Risk & Readiness Assessment, program baseline, open claim review, and onboarding. This is where we establish your foundation, so your team can engage with your carrier and TPA from a position of knowledge.
  • Complete R&R Assessment and scoring
  • Full open claims audit
  • Reserve adequacy review on every claim
  • State compliance gap analysis
  • 90-day action plan with priorities
Start with an Assessment →
How We Win Together
Reserve Clawback Bonus
When we identify a reserve that differs from the actuarial benchmark and a reduction is achieved through the review process, we earn a percentage of the savings, negotiated per engagement. You only pay the success fee when there is a documented outcome.
  • Performance-based: success fee only on documented outcomes
  • Percentage negotiated upfront per engagement
  • Applies to reserve adjustments confirmed by carrier
  • Tracked transparently in your dashboard
  • Client savings always exceed our success fee
Learn How It Works →
Your price scales to your program, not a price list.
A 50-person trucking company with 2 open claims has different needs than a 300-person manufacturer with 12. Every engagement is quoted specifically for your situation, so you're paying for the value we can actually create.
The investment pays for itself.
When reserve adjustments are achieved through the review process, they directly lower your experience modifier at renewal. Our clients typically recover their full annual investment within the first policy year.
Talk to Us →
About Lucid Ops

Built by people who know where the money goes

Lucid Ops was built on a simple observation: employers who actively participate in their WC program consistently achieve better outcomes: for their business, their employees, and their carrier relationships.

Workers compensation is complex, and most HR teams are managing it without the training or tools they need. That gap isn't anyone's fault, but it does mean that most employers aren't getting as much out of their carrier and TPA relationships as they could.

"We built the tool we wish every HR manager had, so they can walk into any conversation with their carrier or TPA knowing exactly what the data says."

Our platform is not a replacement for your carrier or TPA. It is the knowledge layer that helps your team work alongside them more effectively, powered by the same actuarial data and methodology they use, made accessible to the HR generalists who are doing their best without specialized WC training.

Our Team
KJ
Krissy Jordan
Co-Founder & CEO
Operator and platform builder. Krissy manages client relationships, product development, and business operations. Focused on making expert WC knowledge accessible to every SMB employer.
WC
Lead WC Expert
Co-Founder
Award-winning workers compensation specialist with deep expertise across state WC systems nationwide. Their methodology and expert review stand behind every reserve analysis, challenge, and guideline interpretation we deliver.
Serving employers nationwide
State-specific expertise matters, so every engagement is grounded in the exact statutes and regulations that govern your claims, in your state. Our methodology and expert review adapt to the jurisdiction your program operates in.
Resources

WC Knowledge for HR Teams

Get weekly insights →
📋
Claims Management
What Is a WC Reserve and Why Does It Affect Your Premium?
Understanding how reserves work and how they affect your experience modifier is one of the most valuable things an HR manager can learn. Here is a plain-English breakdown.
Lucid Ops Team5 min read
⚖️
Arizona Compliance
How ODG Guidelines Protect Arizona Employers: If You Know How to Use Them
Arizona's adoption of ODG gives employers a powerful legal presumption tool. Most do not know it exists. Here is how to use ARS 23-1062.03 in your favor.
Lucid Ops7 min read
📊
Experience Modifier
The Experience Modifier Explained: What It Is, How It Works, and How to Manage It
Your experience modifier is calculated from claims data you could be managing right now. Understanding this number is the first step to controlling your WC costs.
Lucid Ops Team6 min read
Get In Touch

Ready to build a stronger WC program?

Start with our free Risk & Readiness Assessment. Takes 15 minutes. You will have your program score and a personalized action plan, so your next renewal conversation starts from a position of knowledge.

✉️
Krissy Jordan, Co-Founder
kj@lucidops.us
✉️
WC Expertise
sk@lucidops.us
🌎
Service Area
Nationwide: logistics, trucking, manufacturing, and agriculture employers
Free Assessment
Start your Risk & Readiness Assessment. No commitment, instant score
Start Free Assessment →
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