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Workers' Advantage
The revolutionary solution for stabilizing workers compensation expenses.
The Workers' Advantage Funding Model   |   Timeline for Implementation

Benefits of Workers Advantage

  • Budgetability. Client contributes monthly on a fixed payment schedule for 36 months.
  • Favorable financial accounting presentation. Unconsolidated, special purpose entity disclosed via footnote not as balance sheet item.
  • Asset/Liability Management. Note proceeds are invested to hedge against healthcare inflation and accumulate reserves.
  • Beneficial tax treatment.  The investment income is insulated from taxation.
  • Opportunity to build needed reserves to buy down future risk.
  • No need to change insurance carrier, consultant/broker or plan design.

Many organizations like yours struggle with volatile workers compensation costs. When claims spike unexpectedly, it's hard to get a handle on expenses and plan for the future.  Dryden Workers Advantage™ offers a powerful solution for stabilizing costs without reducing your benefit offerings or changing providers.

Designed primarily for self-insured employers, Workers Advantage is based on Dryden's proven Advanced Funding Model for predicting, managing and funding long-term workers compensation expenditures. This groundbreaking solution combines risk management, actuarial sciences and structured finance to convert volatile costs into a manageable, “budgetable” item that can significantly reduce costs.

Dryden customizes the best program to meet your needs, including:

  • Actuarial Assessment and Modeling
  • Structured Finance and Funding/Investment
  • Optimization
  • Tax, ERISA, Legal and Accounting Treatment
  • Economic and Terms Sheet Validation
  • Documentation and Execution

Working through its investment partners, Dryden delivers all financing and investment solutions through a large network of highly-rated banks and financial institutions carefully selected for price, quality and ease of implementation.