MANAGING WORKERS' COMPENSATION COSTS

WORKERS’ COMPENSATION PROGRAM ADVOCACY FROM IRM

IRM’s experienced Workers’ Compensation Program Advocates will help you to understand and practice key elements of workers’ compensation cost control in order to achieve the lowest possible net cost of coverage over time.

SAFETY AND LOSS PREVENTION

Well-designed and aggressively managed safety and loss prevention programs not only reduce direct claims expense, they eliminate the "hidden" costs of workers' compensation claims. This produces substantial savings over time, since these indirect expenses can be multiples of your direct claims costs.

INITIAL CLAIMS INVESTIGATION, REPORTING AND MANAGEMENT

Supervisors play a key role in investigating, reporting, managing and preventing claims. They must be properly trained in workers' compensation claims investigation, reporting and medical control procedures, as well as in illness and injury prevention and return-to-work practices.

IRM’s Advocates can help.

MEDICAL CONTROL AND PROVIDER SELECTION AND MANAGEMENT

Proper selection of workers' compensation medical providers - combined with effective referral procedures and ongoing communication programs - can significantly reduce your claims costs. Providers must understand your business operations and human resources philosophy and specialize in occupational medicine. We can help you select and manage all approved medical providers to ensure you receive the maximum benefits of medical treatment oversight.

RETURN-TO-WORK I TRANSITIONAL DUTY PROGRAMS

Workers' compensation is ultimately a disability management system. Focusing on managing temporary disability and permanent disability will have the greatest impact on reducing claims expense and increasing employee satisfaction and productivity. It is well established that the earliest possible return to the job substantially decreases both direct and indirect costs. Again,

IRM can help you.

NEEDS ASSESSMENT AND COMMUNICATION

IRM’s Advocates are specialists in Workers' Compensation program management and cost control. In addition to our day-to-day consulting and advisory services, IRM provides a range of bulletins, newsletters, legislative updates and white papers related to workers' compensation topics. Workers' Compensation is ultimately your most controllable insurance expense. But taking control isn't easy. It requires knowledge, discipline and attention to the fundamentals. And this requires consistent, effective partners and committed advocates.

Select IRM as your consultant and workers’ compensation program advocate - and let’s get to work together.