Planning tool · version 1.0
Australia · AUD · ex GST · Customer data only
Build a defensible MSD prevention business case.
Use employer-borne claims cost from the two or three high-claims-cost roles you intend to target, alongside return-to-work data and quoted investment. The model keeps cash savings separate from recovered capacity and shows every year of the calculation.
No hidden benchmark
An actual zero stays zero. The modeller never forces a claim or applies an industry average.
No inferred pricing
Add the customer’s quoted and internal program costs when they are known.
No data submitted
The calculation runs in this browser. Inputs are not sent to JointAction or stored.
Audit trail
Year-by-year calculation ledger
Benefits and recurring investment are discounted at year end. The one-off implementation cost is applied at time zero.
| Period | Realisation | Claims | RTW capacity | Investment | Cash net |
|---|---|---|---|---|---|
| Time zero | — | — | — | $0 | Quote required |
| Year 1 | 50% | $0 | $0 | Quote required | Quote required |
| Year 2 | 80% | $0 | $0 | Quote required | Quote required |
| Year 3 | 100% | $0 | $0 | Quote required | Quote required |
Quantified
Employer-retained claims costs and verified restricted-duty capacity only.
Not monetised
Premium movement, capex protection, fines, reputation and general payroll productivity.
Model version
JA-BCM-1.0 · annual planning model
How the model works
Conservative enough to interrogate.
Every quantified benefit has a named baseline, an explicit planning assumption and a visible formula. Use the cash case for the most conservative view; add verified return-to-work capacity only in the economic case.
01 / CASH
Employer-borne claims cost
Annual retained claims cost in the selected high-claims-cost roles × the scenario reduction × the year’s realisation factor.
Insured employers exclude compensation paid by their insurer.
02 / CAPACITY
Return-to-work capacity
Restricted-duty days × verified capacity cost per day × the selected return-to-work improvement × realisation.
General payroll productivity and duplicated claim costs are excluded.
03 / RETURN
Financial return
Benefits and recurring costs are discounted on the same year-end basis. Implementation cost is applied at time zero.
ROI = net present value ÷ present-value investment.
Planning assumptions
Scenarios, not promises.
Modest
About 10% lower injury frequency in the selected high-claims-cost roles and 5% faster return to full duties.
Active
About 20% lower injury frequency in the selected high-claims-cost roles and 10% faster return to full duties.
The default 50% → 80% → 100% realisation profile is an editable modelling convention, not a forecast of JointAction performance. Premium movement, procurement decisions, fines, reputation and wellbeing remain unquantified unless they are assessed independently.
Important
This modeller provides decision support, not actuarial, accounting or financial advice. Outputs depend entirely on the data and assumptions entered. Validate the baseline, cost boundaries, discount rate and investment schedule with finance and, where relevant, your insurer or broker before relying on the result.