Claims Management Services

Claims Management Services (CMS) is a division that provides workers' compensation claims management and loss control consulting services.

For most employers, workers' compensation is their second largest expense behind payroll. However, few have a clear understanding of the development of the experience modification factor and the control they can have over the net cost of workers' compensation coverage through claims management and loss control. By partnering with CMS, employers have an advocate in the management of this expensive line of coverage.

CMS can partner with you in the following areas:

Telephone Consultation. A CMS Claim Consultant is available for personal telephone consultation on serious injuries that occur. Your consultant will offer advice on direction of medical care and development of an injury plan for the employee, recommendations for claim handling procedures, and specific claim reviews.

Claim Tracking & Management. CMS reviews loss runs from carriers for open claims. The CMS Claim Consultant will then follow up on each open claim with the insurance carrier claim adjuster. Specific services include:

• Analysis of an injury through review of insurance adjuster's notes and conference with employer.
• Return to work program consultation and coordination.
• Attendance with employer at hearings, depositions and mediations if necessary.
• Written reports of all open claims with appropriate recommendations. 
• Periodic on-site review meetings.

Loss Control Services. Few employers can afford to hire a trained safety director, and yet an active and effective loss control program is essential to controlling the direct and indirect cost of claims.