Injury & Claims Services
Delivering better workers compensation claim outcomes while keeping costs under control for both businesses and employees.
Better strategic thinking
Workers Compensation Insurance is a claims-driven class of insurance. The variables that compose premium costs are your total wages bill, industry classification and the claims that you may incur.
Therefore, the larger your organisation is, the more your workers compensation insurance premiums are influenced by the claims that you incur. The good news is that while you cannot change what you are (i.e. your wages bill or your industry) you can influence the claims made by an employee and the effect that those claims have on your premiums.
Positive outcomes on claims are achieved by two basic inputs:
- Injury Management and
- Claims Management
Injury Management
Effective injury management is achieved by early intervention and the application of skilled resources that understand medical diagnoses, can interact effectively with health professionals and have the skills to engage and manage injured workers.
A major contributor to poor outcomes (and, therefore, ongoing increased costs) is the misalignment of the right people to the right cases.
Some larger organisations are lucky enough to have these resources internally. But the majority of companies cleverly rely on external providers, like WorkRisk IQ, to ensure far better outcomes.
Claims Management
Effectual claims management is all about relationships. Only by establishing a close working relationship with the insurer, insurer/claims agent, or the self-insurance team, can you accurately and pragmatically interpret the local legislative requirements and distil these down into a coherent claims management strategy. This involves determining liability, managing legal and litigated claims and understanding the technical aspects of the legislation within the jurisdiction where the incident occurred.
When to call us
Your organisation should consider calling us for help if:
- You don’t have an experienced injury or claims manager on staff.
- You need help managing difficult cases.
- Your internal resources are having difficulty managing your insurer/claims agent.
- You aren’t confident that the resources you have in place are adequate.
- Your claims costs are high and/or increasing.
The Benefits
Access to professionals
We provide your company with highly qualified, experienced industry professionals who truly understand all the intricacies of injury and claims management services.
Improved Outcomes
For both your company and your staff.
Cost Reductions
Proactive claims management drives sustained premium reductions on your workers compensation program.
The Better Strategic Thinking
Expert guidance in developing targeted strategies that resolve complex claims issues for both the injured worker and your organisation.
Our Experience
WorkRisk IQ has been working with many clients of all sizes to assist with the management of particular cohorts of injuries. Throughout the years, we’ve also been happy to support the internal resources of larger organisations to effectively manage injuries and claims on an ongoing basis with consultants from a variety of backgrounds. These include a range of allied health and rehabilitation experiences but strong technical and legal skill from eligibility and liability determination to litigation and common law.
The variety of skills within our team has us best positioned to provide our clients with the superior support they require to achieve improved outcomes on individual claims and thereby directly reduce our clients’ insurance costs.