RTW, Inc. provides management products and services to insured and self-insured employers for their workers compensation programs in Minnesota, Wisconsin, South Dakota, Colorado, Michigan and Indiana. The Company has also obtained licenses, but is not operating, in Pennsylvania, Tennessee, Maryland, Arkansas, Iowa, Florida, New Jersey, Georgia, North Carolina, Texas, Missouri, Illinois, Kansas, Massachusetts, Connecticut, Rhode Island and Oklahoma. The Company focuses on controlling costs by returning injured employees to work as soon as possible and by actively managing all participants in the workers compensation system, including employers, employees and medical care providers, as well as legal and judicial participants in the workers compensation system. The Company targets employers and associations that operate in industries with relatively high workers compensation costs, and employers with a history of workers compensation claim costs higher than average in their industry.