Workers' comp coach
A Beacon in the Rough Waters of Workplace Injury
How you handle an injury matters
Risk Saver now offers employers a Coach; someone with years of experience in handling work place injury claims. By managing a workers’ compensation injury expediently from the start, Risk Saver has saved its’ clients from millions of dollars in potential losses.
Understand your experience modifier
In workers’ compensation, the Experience Modification Rating (EMR) is a critical component of your premium calculation. It is a method for tailoring the cost of insurance to the characteristics of an employer. An employer’s EMR is calculated by comparing its claims history to those of similar companies in its industry. Higher than normal rate of injuries in the past, can result in a premium surcharge. You can manage this risk by investing in a safety program to help avoid accidents and by taking proactive steps to ensure proper handling of accidents when they do occur. Let’s face it, accidents happen. When an accident is handled properly from the start, it can mitigate the impact to your EMR.
how can risksavers help?
By involving a workers’ compensation “Coach” from the onset, you will ensure that your employee’s injury claim is handled correctly from the initial injury report to the initial doctor’s visit. Our goal as your “Coach” is to provide the immediate, professional help you need when an employee reports an injury. Our workers’ compensation specialists are standing by to “Coach” you and your staff through the injury handling process. This is a low cost consulting program designed to help you protect your experience modifier.
how the program works
Once you sign up with “The Coach” you get a membership card with instructions on the five things you should do when an injury occurs.
We get the initial medical report, a disability slip with work restriction, and the provider’s bill.
We take a brief phone statement from the injured worker and collect the information necessary to complete the “First Report of Injury”.
We audit the medical bills and reduce them to the Louisiana Medical Fee schedule and send them to you for payment.
We advise you about reporting the claim to your workers' compensation insurer and give you the information necessary to turn in a full report to your insurer.
When you call the coach with a new injury we help you get the injured worker to a recommended medical provider.
We order the appropriate drug test If you have a written post-accident drug testing policy.
Meet the Test
We confirm that the injury meets the three basic tests for the payment of workers compensation benefits.
We monitor the initial medical treatment(s), duty status, work restrictions keeping you informed every step of the way.
As the employer, you have access to the injured worker’s file on TVC (The Virtual Casefile), allowing you to stay informed and oversee the handling of the injury claim
Dont Navigate Comp Alone
RiskSAVER is ready to put its years of experience to work for you.