WORKERS COMPENSATION CLAIMS MANAGEMENT
ICA’s Workers’ Compensation Claims Management Service helps to establish properly directed, managed and controlled medical cost management and back-to-work programs. In doing so, this service is intended to focus on reducing the cost of the Workers Compensation program, boost the employer’s bottom line and improve employee morale. The ultimate goal of this service is to develop the protocols and procedures so that the Client has no such thing as a lost-time accident.
Excessive Workers’ Compensation insurance cost is the result of higher than normal rates of work-related injury, both in terms of severity and frequency and the consequent medical and lost time costs. This high frequency of claims in turn impacts the experience modification factor as well. Within the parameters of the law, the employer can and should take charge of managing an employee who has suffered a job-related injury.
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See Below for How It Works:
Analyze the policy provisions and the requirements of the Workers’ Compensation and Disability statutes of the States in which the employer operates.
First, ICA reviews management techniques for Workers’ Compensation claims management, and sets up procedures and designs manuals for use by supervisors and management. Then, ICA implements educating and training line supervisors and staff in the human resources department on proper management of employees’ work-related injuries and lost time, and coordinates the investigation of fraudulent occupational disease and injury claims. Furthermore, ICA arranges for medical providers to facilitate the program and implements a light-duty program for injured workers to return to work within the recommendations of the medical providers. Finally, ICA monitors all aspects of the program and recommends modifications as necessary.
Negotiate reserves established by current and previous insurance carriers for medical and lost time claims.
Coordinate the recapture of workers’ compensation premium dollars from prior insurers.
Evaluate Insurance Company’s loss prevention and safety recommendations, as well as the client’s safety program, and assist in implementing such recommendations or suitable alternatives.
Assist in formulating strategy for plant closing, layoffs and reduction in operations, with reference to likely increase in subsequent workers’ compensation claims in conjunction with advices from the human resources department and the Client’s outside employment legal counsel.