Confidently closing long-term claims.

What if your costliest long-tail claims could be closed—without litigation or risk?

They can. And now is the time to act.

Transfer PTD, wage differential, and death benefit obligations permanently—at annuity rates not seen in 15 years.

Strategic Long-Tail Claim Closures
with Built-In Recovery Options

The Problem: Long-tail claims aren’t just open files — they’re open risks, draining reserves and creating uncertainty year after year.

Long-tail workers’ compensation claims don’t just sit quietly on the books — they drain reserves, tie up capital, and create uncertainty for years.

Decades of weekly/monthly payments: Claims involving PTD, wage differential, or death can stretch decades, with benefit obligations shifting as dependents age or eligibility changes.

Ongoing administrative burden: Each open file consumes staff time and resources, from compliance tracking to payment administration.

Financial exposure: The longer claims stay open, the greater the impact on reserves, balance sheets, and future coverage costs.

In short, long-tail claims introduce volatility you can’t control — and the longer they remain unsettled, the more costly and resource-intensive they become.

The Solution: Liability Transfer Solutions

We create claim-specific solutions with built-in safeguards to manage contingencies and protect your outcomes.

Our approach anticipates key events that can change the course of a claim—such as premature death, remarriage, or the end of a dependent’s eligibility at age 18 if college is not pursued. This foresight allows us to help you exit long-tail claims strategically and decisively.

For added protection, you may also choose an optional reversionary interest safeguard. While slightly more costly upfront, it ensures unused benefits can return to you if a claim ends early—helping preserve reserves and reinforce long-term financial strength.

Why Carriers, TPAs, and Self-Insureds Use This Model

Exiting long-tail claims doesn’t have to be complicated. We guide you through a clear, proven process:

• reduces long-tail cost exposure

• releases reserves

• closes the claim with compliance

• protects claimant benefits

• removes future administration burden of reserve
evaluations and processing checks

• predictable cost for life of claim

As part of this review, we provide a clear financial summary which allows decision-makers to compare options side by side and choose the approach that best
matches their risk tolerance and financial goals.

For example, here is an Illinois PTD case that we transferred from their books to a highly rated life company
Future Payout Estimate: $758,000
Likely Reserve @ 4%: $456,000
Option 1 - Life Only Transfer Cost: $383,000
Option 2 - Reversionary Interest Liability Transfer Cost: $423,000

Our client chose Option 1. The result: a strategic, decisive exit that reduces uncertainty and strengthens financial outcomes:

They saved $73,000 from reserves
The saved $375,000 in future payments
No more check processing.
No more reserve evaluations.

From tied-up reserves to predictable outcomes—our strategies turn long-tail claims into long-term stability

One regional carrier faced a portfolio of long-tail workers’ compensation claims that had become increasingly difficult to manage. Reserves were tied up for years, administrative costs kept rising, and leadership had little visibility into when or how those obligations might end.

By implementing our structured exit strategy with built-in safeguards, the carrier was able to:

Reduce reserve volatility by transferring unpredictable obligations.
Simplify administration and free staff from years of ongoing claim management.
Preserve capital through reversionary safeguards that returned unused benefits when claims concluded earlier than expected.

The result was greater financial stability and a clear, decisive path forward—without the uncertainty of carrying those claims indefinitely.

Professional depth and settlement expertise—delivering strategic claim closures with confidence.

Exiting long-tail claims requires foresight, precision, and a partner with deep expertise in both the financial and strategic aspects of workers’ compensation.

Proven Expertise — John W. Muir, CCLA, CPCU, brings decades of experience resolving complex workers’ compensation cases, including PTD, wage differential, and death claims.
Settlement Expertise — John M. Muir, J.D., brings over 13 years of experience as a Settlement Consultant, applying both legal training and practical knowledge to deliver structured solutions with precision.
Strategic Solutions — Together, we design claim-specific strategies with safeguards that reduce reserves, simplify administration, and preserve capital.
National Backing — As part of Ringler Associates, we combine the strength of a national network with the personal service of a focused local team.

Our approach blends professional depth, settlement expertise, and strategic foresight — giving carriers and self-insureds the confidence to close long-tail claims decisively.

Proven strategies. Strong partners. Results you can trust

When it comes to long-tail claims, experience and results matter. Our track record demonstrates both:

Decades of Experience — Guiding insurers and self-insureds through complex workers’ compensation liabilities across multiple jurisdictions.
Successful Transfers — Proven strategies that have reduced reserves, simplified administration, and delivered stability for regional and national carriers alike.
Financial Strength — We work only with highly rated life companies (AM Best “A” or better) to ensure long-term security of benefits.
National Network, Local Focus — As part of Ringler Associates, we combine national resources with specialized local expertise to deliver consistent, reliable results.

With every engagement, our priority is to provide the assurance that your obligations are secure, your reserves are protected, and your outcomes are predictable.

One conversation can be the first step toward stronger reserves and fewer open files.

Closing long-tail claims strategically begins with a conversation.

Case Reviews — Share a current or challenging file, and we’ll walk through options for exiting with confidence.
Consultations — Schedule time with us to explore how liability transfers and benefit replacement strategies can reduce reserves and stabilize outcomes.
Broker Referrals Welcome — We regularly accept referrals from other structured settlement brokers who recognize the specialized nature of long-tail claims. Our role is to protect the client relationship while delivering solutions that serve all parties.

Getting started is simple — whether it’s one case or an entire block of claims, we’ll provide a clear path forward tailored to your needs.

Close claims with confidence.
Protect reserves.
Move forward

Don’t let long-tail claims continue draining reserves and creating uncertainty. With today’s favorable annuity environment and proven safeguard strategies, there has never been a better time to act.

Let’s discuss your cases. Whether you have one challenging file or an entire block of claims, we’ll provide a clear, strategic path to closure.

Contact John W. Muir, CCLA, CPCU, j muir@ringlerassociates.com and John M. Muir, J.D. , jmmuir@ringlerassociates.com today to schedule a consultation.

Strategic Long-Tail Claim Closures with Built-In Recovery Options