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Workers' compensation claims can take a huge
bite out of your productivity. So from the initial report of injury through
an employee's return-to-work, The Hartford workers' compensation claim program
focuses on reducing your administrative burdens while helping control your insurance claim
costs. Here are just a few ways we can help manage your workers' compensation
claims throughout every stage of the process.
Before the injury:
Expert loss control services. The Hartford offers its business insurance customers easy access
to expert risk management information and assistance. Tap into this expertise,
and we can help you identify and address hazardous conditions that may put you
at greater risk of workplace injuries.
At the time of the injury:
Early claim reporting. We offer a 24-hour, toll-free hotline that our policyowners
can use to quickly report claims. Not only does this facilitate prompt, appropriate
care for your employee, it automatically produces any first reports of injury
that are required by your state.
Toll-free network referral unit. Through this unit, we can help you
quickly locate providers closest to your business or employee who specialize
in workers' compensation-related injuries and who are committed to returning
employees to productive work as soon as appropriate.
Countrywide provider networks. The Hartford offers its policyowners
access to a variety of provider networks around the country, encompassing nearly
200,000 physicians and 3,000 hospitals.
Throughout the recovery:
Nurse case managers. These highly trained specialists will work closely with
you, the injured employee, and the medical care team to facilitate the employee's
recovery as well as his or her return to work. This helps you reduce your costs
and helps your employee return as quickly as possible to a pre-injury lifestyle
Sophisticated catastrophic injury care. If one of your employees is
severely injured, you'll rest easier knowing our catastrophic injury care team
will be dedicated to optimizing your employee's recoveries while minimizing
your financial risk.
Comprehensive vocational rehabilitation. At The Hartford, we focus on
helping our policyowners get their injured workers back to productive work as
soon as possible. This practice is beneficial both to the emotional health of
the injured worker and the financial health of the business.
In case you're sued:
Comprehensive litigation management. To help you address lawsuits quickly
and strategically, The Hartford employs 260 attorneys across the country. And
when we do utilize outside law firms to represent our business insurance policyowners, we control
their costs with the help of sophisticated legal audit and billing software.
When it comes to paying the bill:
State-of-the-art medical bill processing. Our carefully negotiated discounts
with network providers, combined with our sophisticated bill screening software,
have enabled us to cut our customers' medical costs an average of 40%.
Specially trained subrogation personnel. These specialists focus on
getting claim dollars from other responsible parties whenever appropriate.
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