Open claims cost you both time and resources to manage. Frequently open claims linger longer than they need to, and have a serious impact on your insurance premiums and ultimately your bottom line. We are here to advocate on your behalf to ensure that claims are being handled with your best interests at heart. With our experts at your side, you’ll have decades of claims analysis and loss-control expertise to help you avoid claims. If a claim does occur, we can make sure it gets the attention it deserves.
With our four-step claims management process, beginning with comprehensive communication between all affected parties, followed by the determination of liability, claim study and review and trending of loss experience, we can help you mitigate existing claims effectively while maximizing your recovery.
We look at the big picture. Work comp claims often involve employment laws that many risk managers know nothing about. What might be the right decision for a work comp claim may be the wrong decision from an employment law perspective. Making a mistake can have a profound impact. We have more experience with laws like the Americans with Disabilities Act and the Family and Medical Leave Act than anyone else in the industry. Let us help you make the right decisions.
One of the most expensive costs for nearly any business is that of workers’ compensation insurance. Your hiring process can be an important first step toward preventing work comp claims. Here are some hiring practices that can help stop work comp claims before they even walk through your door.
We have added a Q&A to the end of the list about handling the employee portion of benefits that are continued as active through a furlough. As employers begin to lay off or place employees on furlough, they should consider the many issues that such actions can create. This Q&A includes answers to the most urgent questions we are receiving from employers. The information in this article is likely to change on a regular basis as the COVID-19 crisis continues to evolve, laws and regulations change, and we receive additional information from carriers and third-party administrators (TPAs). Please check back regularly for updates to our answers or guidance.
The average adult has a 3 in 10 chance of suffering a disability that keeps them out of work for 90 days or longer at some point during their working career, according to The Council for Disability Awareness. Ninety percent of disabilities are caused by illnesses, not accidents, and are a top cause of bankruptcies in the U.S. Most of us have personal debt, such as a mortgage, auto loans or credit card bills.
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