Claims Management
The litmus test of any insurance arrangement is the speed and efficiency with which claims are managed and settled. The Seubert & Associates professional claims staff has the resources and expertise to provide our clients with the very best in claims management. As your claims advocate, our objective is to ensure that you consistently receive the highest level of service from your insurance carrier and the maximum benefit from your insurance policy.
Claims Monitoring and Services
We are one of the few agencies in the state that has a dedicated in-house claims staff. Our 24-hour emergency claims response begins immediately:
- Recording the initial loss report and documenting it in the Seubert database
- Verifying claims are handled by an appropriate adjuster and monitoring for a timely resolution
- Working as your advocate to resolve problems that may arise during the claim process
- Obtaining and distributing loss runs as requested
- Completing proof-of-insurance forms
- Conducting coverage reviews when warranted
- Submitting non-workers compensation claims to the carrier on your behalf
- Facilitating the claims process with carriers or negligent parties when you’re not at fault
- Distributing workers comp claims reporting instructions to all insured locations
- Monitoring open claims with an incurred value of $25,000 or higher
Claims Review and Consultation
In addition to our basic claims services, we’ve developed a claims consulting program to analyze cost drivers and customize an appropriate action program. You’ll receive an illustration of how our techniques impact your bottom line by reducing the duration, value and ultimate costs of your claims.
Cutting-Edge Client Service
- Claim Audits - Perform audits of open claims; verify proper loss reserves and strive for reductions; actively manage claims and pursue resolution
- Claim Reports - Summary reports; claim status updates; detailed action plans; documented reserve adjustments with explanations; detailed file information from all parties involved
- Experience Modification Analysis - Identify controllable mod; audit current mod for accuracy; project mod for upcoming year
- Loss History Analysis - Identify loss frequency and severity; average costs of medical-only and lost-time claims; report causation trends for preventable repeaters
