MSK Savings Calculator

Estimate the yearly musculoskeletal costs and what an onsite chiropractic program saves at a 30% reduction. Defaults are national benchmarks for a 300-person manufacturer. Replace them with your own numbers when you have them.

Company

Prospect nameUsed in the summary text

EmployeesBenefit-eligible headcount

Health plan MSK spend

Total health cost per employeeEmployer medical + Rx, per year. Benchmark: about $17,500

MSK share of claimsBenchmark: 15–20%. Higher for physical work

Known MSK claims total (optional)If the broker report gives an actual figure, enter it. It replaces the two lines above

Workers’ comp MSK claims

MSK claims per yearStrains, sprains, overexertion. Check the OSHA 300 log

Average cost per claimBenchmark: $30,000–$45,000

Productivity (indirect)

Indirect cost multiplierAbsenteeism, presenteeism, overtime, turnover. Benchmark: 1–2× direct cost

Count productivity savings in the ROIOff = hard-dollar savings only, the more conservative pitch

Onsite chiropractic sizing (broker estimate)

Employees who use the chiropractorTotal participation, including weekly visitors

Employees who visit weeklyOne visit every onsite week

Visits a year for the other users2× a month = 24

Appointment lengthAverage minutes per visit

Hourly rateOnsite chiropractor time

Onsite weeks per yearAllows for holidays and plant shutdowns

COR Wellness Program Use the sizing estimate as the program costTurn off to enter a quoted contract price instead

Annual program costFilled from the sizing estimate

Assumed reduction in MSK costs30%

Net annual savings

0.0×

Return per $1

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Payback

Net per employee

Where the savings come from

Cost bucket	Current	30% savings

Summary for the proposal

Benchmarks come from published employer and workers’ comp research (Hinge Health, Sword Health, Quantum Health, Washington L&I). Treat the defaults as starting estimates. The prospect’s claims data, broker MSK report, and OSHA 300 log give the most credible figures. The 30% reduction is the minimum COR Wellness has seen across client programs.