| Good
News – Bad News
Good News: Group TPAs
won’t bother you from October through February
to choose their groups
Bad News: Your cost of doing business
is higher than your group rated competitors
Bad News: You have less money available
for better health care, retirement, investment in updated
equipment, raises, etc.
What’s
worse than being penalty rated? Not
having aggressive representation to:
Identify potential
savings like handicap allowances & subrogation offsets
Defend your company
against questionable or fraudulent claims
Appeal excessive
medical treatments and ongoing compensation
Settle claims so
you can still get back in
group rating
Represent your
interests with the BWC and ICO
Understand your
business and its personnel issues
A
True Story
A dog groomer came in on her day off to baby sit the
owner’s grandchild. The babysitter ran from an
escaping dog but fell and got hurt. Even though the
babysitter was not working as a kennel employee when
she was hurt, the group TPA did not advise the kennel
owner to appeal the workers’ compensation claim.
By the time the employer hired ActuComp, the claim costs
were high enough to eliminate the kennel from group
rating and its premiums went up more than 100%.
Another True Story:
An employee hurt her back, and her doctor refused to
tell the BWC and MCO her capabilities so that she could
go back to work. She stayed off work long enough to
get the employer eliminated from group rating. Two days
after ActuComp filed a complaint against the doctor,
he released her to return to work light duty. After
she quit, ActuComp negotiated a settlement low enough
so the company could get back into group rating.
*
highlighted terms may
be found on our Definitions
page
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