TIER 01 · SPEED
Day 1
Replace paper with a same-day digital workflow.
The adjuster receives the signed PDF the moment the physician completes it — not 5 to 15 days later via fax. No phone calls chasing physicians.
→ Same-day form delivery
§ Cover · A briefing for risk managers, adjusters & medical directorsAlpharetta, GA · v.2026
Better. Back to Work.
Same-day signed RTW forms. Shared electronically at the time of signature.
Per-case pricing. Physicians free.
RTW Hub is a workers' compensation return-to-work platform. We move the signed PDF from physician to adjuster the day the visit happens — so a panel of physicians becomes a renewal-defensible book of business.
Form turnaround
Same-day
vs. 3–7 days · RAND¹
Per-case fee
$15
Physicians always $0
Customer ROI
112:1 → 261:1
See § The Math
Recoverable / case
$1,680–3,920
At BLS day-cost
PART I · THE CASE
A two-week claim, six days of paperwork
A real example, built on canonical claim characteristics.
Tuesday morning, Marcus strains his back. Friday afternoon, the form is still sitting in a clinic fax tray.
Marcus is a 47-year-old equipment operator for a county public-works department. The PA examines him and hands him a paper form with one box checked: off work, recheck in two weeks. No restrictions listed. No description of what he can or can't do.
The adjuster needs that form to assess work status. The employer needs it to evaluate light duty. The form will arrive on day five, six, or seven — and on every one of those days the claim continues to accrue indemnity at the BLS median day cost.
The story isn't Marcus's injury. The story is the gap between the visit and the form.
¹ BLS SOII 2023–24 median DAFW for back injuries: 8 days. See sources, page bottom.
PART II · THE MATH
What the wait costs
The same story, in dollars and at scale.
§ Marcus, six lost workdays
Per-claim recoverable:
$1,680–3,920
Same-day signed forms compress 3–7 lost workdays per case at the BLS median blended day cost of $560. Customer ROI on the $15 fee: 112:1 to 261:1.
Fig. 02 — Days lost waiting on the formSample claim · n=1
Days saved × $560/day = recoverable per case. Source: RAND¹ · BLS²
Fig. 03 — Same $15 per case, three book sizes
Mid-market employer
30 LT / yr
FEE
$450
FLOOR → CEILING
$50,400 → $117,600
Self-insured cohort
172 LT / yr
FEE
$2,580
FLOOR → CEILING
$288,960 → $674,240
Large TPA book
500 LT / yr
FEE
$7,500
FLOOR → CEILING
$840,000 → $1,960,000
PART III · THE LEVER
Panel control is the lever. We are the form.
In employer-directed care states, the panel is yours. Ours is the workflow.
Panel membership is a privilege,
not an entitlement.
GA, FL, NC, TN, VA, AR, KY and others let employers direct care. You can require panel physicians to submit RTW forms through RTW Hub as a condition of membership. Days-to-RTW by physician — visible for the first time. Curate on outcomes.
Fig. 04 — Physician DAFW vs. BLS median (sample panel)
Wells, MD
10.8d
Mangrum, MD
14.2d
Torres, DO
13.1d
Chen, MD
17.9d
Park, MD▶
31.5d
BLS national median · 12d · sample data
PART IV · THE COMPOUND
Three layered capabilities, each compounding on the last
Speed unlocks coordination savings on day one. Quality and accountability compound from there.
The same-day form is the most tangible savings, and it lands on day one. But the real renewal lever shows up later — once you've embedded clinical evidence at the point of care, then accumulated panel-level outcomes data. Three tiers, each built on the one before it.
TIER 02 · QUALITY
Months 1–6
Evidence-based guidance at the point of care.
AMA OEM occupational medicine guidance and 47 BLS SOII benchmark data points are displayed to the physician at the moment of decision. An AI quality check flags contradictions before signing.
→ Smart form with evidence-based guidance
TIER 03 · ACCOUNTABILITY
Month 6+
Physician-specific outcomes across your entire panel.
RTW rates, days-away-from-work vs. BLS benchmarks, restriction patterns, and time-to-sign — by physician. Data that does not exist anywhere else, enabling panel curation under O.C.G.A. §34-9-201.
→ Panel curation & improvement
Fig. 05 — Where the savings come from, over timeIndexed to year-1 baseline
Day 1
Month 6
Year 1
Year 2
Year 3+
Speed · day-one coordination savings
Quality · clinical evidence at point of care
Accountability · panel-level outcomes
§ Rollout · What Monday looks like
Three weeks from signed pilot to first signed form.
W1
Panel mapped
We pull your current panel, normalize NPIs, and confirm employer-directed status by state.
W2
Physicians invited
Two-minute onboarding sent to each panel physician. No training required to sign. AMA OEM guidance is in-form.
W3
Adjusters live
Single queue across employer book. Existing FNOL feeds stay intact — we accept CSV, ACORD, or API.
Day 1
First signed form
Same-day delivery to adjuster as a PDF. You invoice on Day 60.
Sources & methodology
- 1.RAND Corporation evaluation of California workers' compensation reporting. PMC6075806. RAND found physician report turnaround routinely adds 3–7 lost workdays per reporting cycle.
- 2.U.S. Bureau of Labor Statistics — Employer Costs for Employee Compensation, December 2024 release. bls.gov
- 3.OSHA $afety Pays Program · cost estimates derived from Business Roundtable / Stanford Department of Civil Engineering. osha.gov
- 4.NCCI Injury Facts · 2022–23 lost-time claim averages.
Free 60-day trial
Run your next 60 days of lost-time claims free.
No credit card. No setup fee. No invoice for the first 60 days — for every signed form on every case. After the trial, $15 per case, billed only on cases you actually use. If days-to-RTW doesn't move on your panel, you walk.
What it costs
$0
for 60 days
What's included
Everything
full platform · all roles
Cancel
Anytime
no auto-conversion
Who you'll talk to
Shane Mangrum, MD
Co-founder · Clinical lead · Atlanta
RTWHub
Better. Back to Work.
RTW Hub, Inc. · Alpharetta, GA© 2026 · citations on methodology page