orker’s Compensation related costs continue to affect your bottom line. Employers who leave the claims management solely in the hands of the insurance company are missing a huge opportunity to save insurance dollars.
Savings are possible if an employer is proactive with claims management. Large employers have learned to have staff dedicated to overseeing the claims management process. A. J. Longo and Associates gives the employer that control and savings potential without the added cost of internal staff.
Most employers choose a passive position, believing that they are entitled to impeccable service and commitment from the carrier. Some insurance companies do a good job, others do not. We insure the employer receives the best possible control. The employer who takes back control will have the best claims management outcomes with the confidence that the claims will be proactively managed.
Loss runs are sent directly by the carriers for review. We also receive immediate notification of a claim by the employer, and we track event by event, the progression of a claim. Our claims counselors follow up on every claim with the insurance carrier. Our specific services include:
Analysis of an injury through the diligent review of insurance adjuster's notes and the employer interface.
Return to work design and coordination.
Oversight of insurance company's reserving logic, decision logic, and claims closure.
90 day written reports on all claims and telephonic review meetings with the employer.
Early action on fraudulent claims to stop the claim.
Cost savings are measured in claims that are closed faster, employees who are back to work sooner, claims that do not litigate, and the reserve reductions we are able to negotiate on your behalf. These metrics are what drive your experience modification up and consequently increase future premiums. We can now more effectively control these cost drivers.