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Lynch Ryan was founded to solve a problem. Massachusetts (and for the most part, the rest of the nation) suffered through a severe workers' compensation crisis from the early 1980s through the mid 1990s. During this period, workers' compensation premiums, which historically totaled approximately 1% of payroll, were running generally 3% to 4% and, sometimes, more. Insurers seemed incapable of reining in the high costs of claims, which were driven primarily by indemnity wage replacement, rather than medical, costs. Attorney involvement was disproportionately high, and mid-to-high five-figure settlements were common. Soft tissue injuries, sprains and strains, were the leading causes of losses, and, more often than not, after months of absence, employees who suffered such injuries never returned to the same employer, let alone the same job. In 1984, Thomas Lynch founded Lynch Ryan on the premise that employers were woefully uninformed about the subtle complexities, both human and economic, of workers' compensation. Lynch believed that educating employers and helping them install worksite-based, loss management systems to return injured employees to work as soon as possible through creative modified duty were the keys to reducing the high costs.