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Our goal is to reduce your claims costs. Our claims consultants understand how claims can impact your business, directly and indirectly, and we have the expertise needed to support you throughout the process. We realize that claims management is often thought of as a post loss effort to reduce a client’s total cost of risk, but there are many ways claims can be managed proactively, before and after a loss, to ensure the best result.
Areas of expertise include:
Special Claims Handling
- Purpose is to outline service expectations and manage/measure compliance
- Identifies key individuals involved and their roles
- Enhances relationship and communication between the insurance company and the client
Claim Reporting
- Advocate early reporting – i.e. within 24 hours
- Document the incident
- Complete an internal investigation
- Direct reporting to insurance company, with copies to broker on larger, more problematic claims
Claim Tracking
- Follow status of significant open claims
- Review action plans and suggest alternate strategies
- Evaluate reserves
- Identify recovery potential
- Review litigation strategy
- Coverage dispute resolution
Claims Audits
- Audit insurance company’s claims performance against industry best practices.
- Develop an understanding of the insurance company’s internal procedures and experience of personnel
- Verify compliance with Special Handling Instructions
- Review files and conduct personnel interviews, on site, by Rutherfoord claims professionals
Workers’ Compensation Cost Management
- Utilize an integrated approach toward pre- and post incident services with an experienced staff
- Over 350 years of combined experience from private industry, insurance company and brokerage backgrounds
- 24/7 availability
TPA Selection
- Identify client’s needs
- RFP and RFI engagements
- Invite capable firms to participate
- Evaluate responses
- Attend TPA presentations
RMIS System Evaluation
- Familiarity with top 5 RMIS systems in addition to local web design consultant available to customize loss data importation and manipulation
- RFP and RFI engagements
- Evaluation of responses
Service Reviews
- Provide periodic review of overall service
- Develop the relationship of all parties
- Develop action plan for any current service issues
- Determine future service needs
- Review specific claims
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