800-356-9914 (Steve)

The only way to control Workers Compensation Cost
is to control

Workers Compensation Elements Include:

In workers' compensation, medical expenses make up approximately 50% of the average claim while the remaining 50% is comprised of temporary and permanent disability charges for an employee's time away from work.  These disability awards are based upon determinations made by the treating physician.

In order to control medical and disability charges associated with work related accidents, it is imperative that employers choose a program which allows them to establish the direction of a claim from the time of injury and to rapidly return the employee to work. 

Providing superior medical treatment and returning injured employees to their job is, and always has been,  the goal of workers' compensation benefits

Your Premiums are Completely Dependent on Claim Costs!

In most states premiums are determined using the following factors

            1. Standard Rates: Standard Rates are determined in most states utilizing
                historical payroll and claim costs

            2. Experience Modifier:  Experience Modifiers are created each year for an
                employer and are unique to that employer.   Experience is determined by
                comparing the employers historical claim costs to the normal claim costs
                for his/her industry.

            3. Insurance Company Discounts:  Each insurance company offering
                workers compensation has the ability to provide discounts to the employer,
                based on the employer's past claims costs and expected future claim                 costs.

The common element in the
premium equation is
CLAIM COSTS

How do you control CLAIM COSTS?

            Workers Compensation Managed Care Systems

            WHY?

            The only way to control worker's compensation costs is to control claims costs.

            Insurance Strategies, LTD offer workers compensation programs that offer integrated managed care. 

            Contracted with medical providers as part of the solution not part of the
            problem.

            24 hour service from a Registered Nurse through a toll free hotline.

            Follow-up "Supervisors Report of Injury" faxed directly to employer.

            Medical Discounts applied immediately through contracted doctors.

All these benefits and more are included with your worker's compensation program at no additional cost.  This is possible because the insurance carriers in the program contract with the providers in order to achieve the carriers objective of reducing claim costs. 

If you have questions, please contact STEVE at 480-820-6626

California, Arizona, Nevada, New Mexico

           Please click on the workers compensation highlight to get more information.