Our Services
The quality of our services is as important to us as the quality of our insurance products. Our high-touch, hands-on approach to claims management, loss control, and management of medical treatments for injured workers helps improve the entire spectrum of policyholder outcomes - from injury rate and cost per claim to the time lost by injured workers. We continually explore new ways to improve results in the three service areas critical to cost-effective workers' compensation insurance:
Claims Services
To ensure that injured workers receive the most appropriate treatments, nurse, pharmacist, and physician case managers work in teams with our claims examiners and a national network of health care providers to coordinate every aspect of a claim. Small case loads, round-the-clock availability of claims staff, and a two-to-one ratio of claims examiners to assistants have helped us produce historically superior claims closing results.
Loss Control and Safety Services
Careful evaluation of safety standards and safety education for policyholders guide our underwriting. We partner with brokers and policyholders to help customers operate safely, and we support improvements to safety management processes wherever applicable. We also adapt our safety and loss control services to the policyholder's size and degree of risk.
Medical Management Services
Our medical management services are distinguished by utilization and bill review results that surpass industry averages, local and national networks of carefully selected doctors, and an on-staff medical team that oversees the development, implementation, and performance of medical management programs. In addition, our pioneering Physician-Guided Care (PGC) program for complex claims was the first of its kind to combine ongoing physician oversight with predictive modeling to help injured workers receive the most appropriate treatment - and return to health and productivity as quickly as possible.