The experience modifier rating of 1.00 during the 2003 insurance year was due to a combination of an increase in claims for our industry and one claim Quad incurred in 2000. (See page 4 for the rating which applies to the insurance year 5/1/04 to 5/1/05)

In 2000, an employee alleged that he had injured his back on the job. Upon reporting his complaint, the employee was taken immediately to an industrial medical clinic where the employee received a thorough examination (including x-ray) by both a physician and a physical therapist. The employee was released for return to work that same day, but refused to return to work. The employee failed to respond to our efforts to contact him and failed to return to the examining clinic for follow-up exams.

The employee subsequently filed a worker’s compensation claim. Payments on this claim were eventually discontinued when results of several MRI’s and physical examinations (this included his own physician as well as a physician appointed by the Texas Workmen’s Compensation Fund) indicated that there was no impairment.