Consulting services — First, foremost and forever, CompResponse acts as your workers’ comp advisor. We are your advocate. Our ability to help clients with their comp claims issues does not start and end with filing the claim. Because proper claims management requires taking action before the loss and continues after the final settlement, CompResponse offers a comprehensive array of services to help companies protect their capital investments. We provide significant expertise across a full range of claims management services, including:

• Pre-Loss Planning: We establish loss procedures for our clients and their employees to facilitate the actual claims process. This includes providing training on what to do when an accident occurs, how to follow quick reporting procedures, and how to designate medical providers.
• Claims Management: Our consultants are qualified to help supervise the processing of your claims to ensure the most favorable outcome for you. Your claims will not get lost or overpaid with CompResponse watching.

CompResponse plays the role of your claims department. We handle claims internally as well as externally with the insurance company. Because we are closely involved in all of your workers’ comp issues going forward, we are often able to reduce losses by 25% to 50%.

Standard Market Evaluation — We will evaluate your workers’ compensation situation, determine why you are in ARAP, and develop a plan to reduce your premium costs. Our objective will be to remove you as quickly as possible from the assigned risk pool and get you placed in the standard market, where you’ll save significant amounts of money. This would normally be done with the help of your broker.

Claim Valuation – If your claims are being overvaluated, you are being hit with a higher than necessary mod. Maybe the claim should be closed but isn’t, or maybe their cost estimate is wrong. Both are common problems causing companies to pay too much in premiums. This is what happens when you don’t have an industry expert looking out for you. CompResponse has found many errors that — when brought to the attention of the insurer — resulted in the reserves being reduced. This lowers the mod and lowers the amount you have to pay in premiums.

Mod Services — Consider retaining CompResponse to review the calculation of your experience modification. Our past experiences demonstrate that NCCI — the organization that creates a company’s “experience mod” or “mod” for short — makes mistakes. In fact, in one out of four experience mod audits, we find undetected errors that have been costing our clients money. Once we’ve reduced the cost of prior claims, the mod gets reduced and you keep more money.

Technical Repricing — If your company pays small medical bills directly, you may be overpaying and it may be possible to reduce your costs significantly. You’re doing the right thing — you’re paying your bills — but if the way you do it is wrong, you’re paying too much. CompResponse can help you determine whether or not your medical bills can be repriced before you pay. Don’t pay 100% of the charge. Let CompResponse discount the bills and save you as much as 40%.