Working with our clients, Work Health Options (WHO) partakes in every part of the claims management process, as it is our view that workers compensation is embedded in health, and that health is not embedded in workers compensation. Workers Compensation is about the health and recovery of a worker and must have the fundamental basis of achieving this in a safe manner. Simply, this is a health product requiring health solutions; the only difference is how it is funded.
WHO actively communicates and assists employers in return to work management, liaising with both the treating doctors and service providers, in conjunction with the injured worker. This is a crucial component of the process in achieving a positive outcome, which has a direct relationship with premiums.
WHO’s proactive approach includes having many round table discussions (Claims Review Process) as well as conferencing with relevant medical practitioners during the policy period. Our experience shows that face to face discussions provide correct information that may not otherwise be captured. These open communication forums are imperative to the effective management of claims, resulting in earlier return to work, lower claims costs and minimising impact so there are no surprises when receiving your renewal premiums.
Return to Work is the key, and is principal based, however claims will not be managed successfully unless the claim is context specific. This being the case, WHO conduct regular and active reviews with our clients, insurers/agents, medical and/or legal providers and other key stake holders.