The Miami-Dade County Public School District is the largest in the state and the second-largest employer in Florida, with some 350,000 students and 50,000 full- and part-time employees.

Over the last five years, Scott B. Clark, risk & benefits officer for the school system and a past president of the Risk and Insurance Management Society, has been able to cut the district's lost-time work days in half, he says.

Clark credits his district's success to a strong return-to-work program, an effective safety program and the fact that unionized employees are kept at full salary in the early stages of an injury, which helps them worry less so "they can focus on getting well," he says.

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