Skip to main content

Claudia Lin | CHRO Consultant





CASE STUDIES

Results That Speak for Themselves

Three confidential client engagements — each representing a different dimension of the work Claudia does best. Names withheld by agreement; outcomes verified.



1 - The Challenge


A major California-based financial institution with over 3,000 employees had been fully insured for decades. Year after year, premiums climbed 8–12% — not because claims were unusually high, but because the carrier was pricing for risk it could not see. The HR leadership team had no visibility into actual claims utilization, no leverage in renewal negotiations, and no mechanism to reward healthy behaviors or penalize waste.

The CFO had flagged benefits costs as one of the top three line items threatening operating margin. The CHRO needed a solution that would satisfy the finance team without degrading the employee experience or triggering turnover in a competitive labor market. The status quo was no longer defensible.

2 - The Approach


Claims Audit & Actuarial Modeling
Claudia commissioned a three-year retrospective claims analysis to establish the organization's true risk profile. The data revealed that 80% of costs were driven by 12% of claimants — a concentration that made self-funding actuarially viable.

Stop-Loss Architecture
A specific stop-loss threshold was set at $150,000 per member per year, with aggregate protection at 125% of expected claims. This structure capped catastrophic exposure while preserving the savings opportunity in the 88% of routine utilization.

TPA Selection & PBM Carve-Out
A competitive RFP process identified a best-in-class third-party administrator with real-time claims reporting. The pharmacy benefit was carved out to a transparent pass-through PBM, eliminating spread pricing and rebate opacity — a move that alone delivered seven figures in year one.

Employee Communication Strategy
A phased communication campaign — anchored in transparency and framed around expanded benefits rather than cost-cutting — ensured employee confidence in the transition. Open enrollment participation increased 18% year-over-year.

3 - The Result

$4M+

Annual savings in year two

18%

Increase in open enrollment participation

0%

Increase in employee premium contribution

100%

Real-time claims visibility achieved


The organization achieved over $4 million in annual savings by year two — without increasing employee premium contributions. For the first time, the HR and finance teams could see exactly where every dollar was going, enabling data-driven decisions about wellness investments, vendor performance, and plan design. The CHRO presented the results to the board as a model for responsible self-insurance.


Client name withheld per confidentiality agreement. Financial figures are accurate and verified.

02 — Workers' Compensation · Claims Strategy

Closing the Book: $500K+ in Reserve Reductions Through Strategic Claims Management

How disciplined case closure strategy protected an employer from a half-million-dollar premium increase.

1 - The Challenge


A California-based employer was carrying a portfolio of aging open workers' compensation claims — many of which had been sitting unresolved for years. Reserves on these claims had accumulated to levels that were directly threatening the organization's experience modification rate and, by extension, its renewal premium. Without intervention, the actuarial projection pointed to a premium increase in excess of $500,000 at the next policy renewal.

The organization's HR team had limited visibility into the claims lifecycle. There was no structured strategy for closing open cases, no regular stewardship cadence with the carrier's claims adjusters, and no mechanism to challenge reserve levels that no longer reflected the actual exposure. The claims were simply aging — and the premium clock was ticking.

2 - The Approach


Open Claims Inventory & Triage
Claudia conducted a full audit of all open claims, categorizing each by reserve level, claim age, litigation status, and settlement potential. Claims were prioritized by their impact on the experience modification calculation, identifying which closures would deliver the greatest premium protection.

Strategic Case Closure Planning
Working in close coordination with the carrier's claims adjusters and defense counsel, Claudia developed individualized resolution strategies for each high-priority claim — including structured settlement negotiations, reserve challenges supported by medical evidence, and return-to-work offers where medically appropriate.

Carrier Stewardship & Accountability
Regular stewardship meetings were established with the claims team to track progress against closure targets, review reserve justifications, and escalate stalled cases. This accountability structure accelerated resolution timelines and ensured that reserve levels reflected current — not worst-case — exposure.

Premium Impact Modeling
Throughout the process, Claudia modeled the projected EMR impact of each closure scenario, giving HR and finance leadership real-time visibility into how claims resolutions would translate into premium outcomes at renewal.

3 - The Result

$500K+

In reserves reduced through strategic case closures

$500K+

Potential premium increase prevented at renewal

Multiple

Long-aging open claims successfully resolved and closed

0

Unplanned premium surcharges at policy renewal


Through disciplined case closure strategy and active carrier stewardship, Claudia reduced open claim reserves by over $500,000 — directly preventing a premium increase of equivalent magnitude at the next policy renewal. The engagement demonstrated that workers' compensation cost control is not solely a safety function: it is a claims management discipline that requires strategic advocacy, financial modeling, and sustained accountability between the employer and the carrier.


Client name withheld per confidentiality agreement. Reserve and premium figures reflect actual policy-year outcomes.

03 — Pharmacy Benefits · PBM Reform

Eliminating Spread Pricing: A Pass-Through PBM Transition

How one employer discovered it was paying 40% more for drugs than it needed to — and what happened next.

1 - The Challenge


A California employer with 1,200 employees had been with the same pharmacy benefit manager for seven years. The PBM contract was buried in the carrier's fully insured package, and the employer had never seen a drug-level claims report. When Claudia was engaged to review the benefits program, a contract audit revealed the hallmarks of a traditional spread-pricing arrangement: the PBM was billing the plan $340 for a generic drug the pharmacy was paid $210 for — a $130 spread on a single fill, multiplied across thousands of transactions annually.

The employer's HR team was not negligent — they had simply never been shown what to ask for. The PBM had no contractual obligation to disclose its spread, and the carrier had no incentive to surface the issue. This is the hidden tax that most mid-market employers are still paying today.

2 - The Approach


PBM Contract Deconstruction
Claudia engaged a pharmacy benefit consultant to conduct a line-by-line audit of the existing PBM contract. The analysis quantified spread pricing, rebate retention, and administrative fees — establishing a baseline for what the employer was actually paying versus what was clinically necessary.

Pass-Through RFP Design
A structured RFP was issued to five pass-through PBMs — models in which the plan pays exactly what the pharmacy is paid, with all manufacturer rebates flowing 100% to the plan. Evaluation criteria included formulary breadth, clinical management programs, and real-time reporting capabilities.

Formulary Optimization
The selected PBM partner conducted a formulary review that identified 23 high-cost branded drugs with clinically equivalent generics. A step-therapy protocol was implemented for new prescriptions, reducing specialty drug spend by 18% in the first six months.

Member Education Campaign
A targeted member communication program — including a drug cost comparison tool and pharmacist hotline — helped employees make informed choices about mail-order, generic substitution, and specialty drug alternatives.

3 - The Result

40%

Reduction in per-member pharmacy costs

100%

Rebates returned to the plan

18%

Specialty drug spend reduction in 6 months

$0

ncrease in employee cost-sharing


The transition to a pass-through PBM reduced per-member pharmacy costs by 40% in the first plan year — without increasing employee cost-sharing or restricting formulary access. The employer received 100% of manufacturer rebates for the first time, generating an additional six-figure credit against plan costs. The HR team now receives monthly drug-level claims reports, giving them the visibility to manage pharmacy spend as a strategic asset rather than a fixed cost.


Client name withheld per confidentiality agreement. Savings percentages are verified against prior-year plan data.



WORK WITH CLAUDIA

Ready to Build Your Own Case Study?


Every engagement begins with a discovery conversation. No obligation — just a candid look at where your organization stands and what is possible.