04/14/2025

Session Spotlight: A Clear Picture — Retro Risk vs. Reward

Session Highlight

At this year’s WSPMA Summer Meeting, we’re diving deep into the often confusing world of workers’ compensation and retrospective rating programs (Retro) with a powerful session designed to educate and empower pest management professionals. "A Clear Picture: Retro Risk vs. Reward" will break down the true costs and potential savings of participating in Retro programs—and what red flags to watch for.

What is Retro?
Retro is a safety incentive program where participating businesses may earn a partial refund of their workers’ compensation premiums. While the potential savings can be attractive, understanding how claims impact your premium and refund calculations is essential. This session will provide attendees with a clear breakdown of experience rating modification (EMR), the difference between primary and excess losses, and the role of credible actuarial data in determining your rates.

But the session doesn’t stop at definitions—it will challenge participants to critically evaluate whether their Retro group is truly benefiting their business or creating hidden financial risks. Learn how to identify red flags in claim administration and how to ensure your Retro partner is aligned with your goals.

Meet the Speakers

Ruth Lewis With more than 35 years of experience, Ruth Lewis brings unmatched depth to the conversation around workers’ compensation and fraud prevention. Starting her career with the Seattle Police Department and later the Snohomish County Superior Court, Lewis has spent decades working in client relations and private investigation—specializing in suspected workers’ compensation fraud. Today, she serves as Vice President at Stop Claims Corp, helping employers navigate the complexities of L&I while advocating for transparent and ethical claim handling. Ruth’s insights come from the front lines, where mismanaged claims can derail business success.

Kayla Orejuela An Employer Outreach Executive at Stop Claims Corp, Kayla Orejuela offers a hands-on perspective shaped by 18+ years in human resources, background investigations, and state fund claim administration. She’s a Certified Washington State Self-Insurance Claims Administrator and a trusted advisor to companies across all sectors. Kayla specializes in helping employers transition from the state fund to self-insured programs, while making compliance accessible—especially for Latino business owners. Her core belief: employers want to do the right thing; they just need the right tools and support.

Why Attend?

This session is ideal for owners, office managers, and anyone involved in HR or compliance. Whether you're in a Retro group now or considering joining one, you’ll walk away with practical knowledge to protect your bottom line and advocate for your company’s best interests.

Register Today!