Comp Care is our Workers Compensation Cost Containment Platform

Are workers compensation claims killing your profits? Is your experience mod above 1.0 and rising? Don’t worry,  Comp Care can help! Comp Care is the only workers compensation cost containment platform of it’s kind and it is growing FAST (scroll down to see some of our satisfied clients).

Our program includes :

* Loss Control Engineering

* Human Resources Training Program

* Risk Management System to track incidents, claims and benchmarks

* Claims Management by our own internal workers compensation claims adjusters.

For many companies in high risk industries, workers’ comp is a HUGE pain point. Costs often escalate very quickly, and business owners often don’t have anywhere to turn for quality answers. Due to this, we’ve seen companies overpay by hundreds of thousands to millions of dollars per year! No exaggeration!
Comp Care was built to for small and mid sized companies who can’t afford to build their own risk management departments yet want the ROI only a solid risk management department can deliver.

If we decide to work together, we begin with an assessment of your current program. We benchmark ALL your current costs(direct & indirect) and strategy, analyzing where you are strong and where you are weak. We will issue you a Comp Care blueprint and train you, your supervisors, and even your employees on best practice protocols.

Meanwhile our Claims Advocates dive in on all of your open claims seeking opportunities to improve outcomes and reduce your reserves as this is essential to a lower experience mod. We don’t make false promises. It’s going to take time, effort, and a commitment to doing things the right way. But after one to two years, your efforts will pay off and your ROI should be substantial. In fact, we’ve never had a client sign on to Comp Care who didn’t get a return on their investment after two years.

Comp Care Assessment & Blueprint

Our Comp Care Program starts with our Blueprint Assessment to ascertain what the strengths are of your organization and where your systems and staff may need to be augmented. You receive the Blueprint and a worksheet to begin building your program.

If you’re not getting an ROI, you’ll know it!

Training & Education

We organize training around three core staff groupings in your organization: Executive Team to get buy in and provide leadership, HR and Supervisors to teach them what’s critical when an employee is injured and why, and lastly, your Field Staff who are the most important folks in the whole process as they have the relationships with the line employees.

O.O.D.A. Risk Platform

We build and train your staff to use our Risk Management Platform which is a key piece to this strategy. You can’t manage what you don’t know.  Without a central system, it’s very difficult to coordinate and move as a team towards your goal . Our platform is the nucleus from which we all work to manage and track all the critical information as it relates to your claims. The system provides key K.P.I.’s (Key Performance Indicators) & trends which are focused on performance and costs. This system allows us to hold all stakeholders accountable for the ultimate results which is the number one reason why companies fail as it relates to employee injuries. The system is fully transparent and updated continuously.

Loss Prevention Resources

Resources are then selected based upon what the O.O.D.A. Risk system & the Blueprint Assessment is telling us your organization may need. We have a full battery of trusted, vetted, and specialized advisors and consultants that we can leverage for your unique challenges. By building our loss controls systems in this way we deploy very specialized personnel contingent on your business. From accident reconstruction specialist for auto accidents to structural engineers for building systems failures and most anything in between.

Including:

      • A customized safety plan & manual
      • OSHA compliance process
      • On-site loss control inspections to look for opportunities to decrease preventable incidents
      • Driver safety program available
      • Return to work programs to decrease the cost of a claim
      • Supervisor training
      • An accountability system in our risk management portal that measures both leading indicators (e.g., safety program activities & loss control visits) and lagging indicators (e.g., number, cost, & cause of claims) for each of your locations.

Claims Advocacy

We have a staff of workers’ compensation adjusters that speak the common language, holding the carriers adjusters accountable for the reserves and values assigned to the file. When you understand that an adjuster can’t execute anything on a file unless they file a form with the Workers’ Compensation Board, then you understand why little gets done. It’s hard work, and that’s why your dollars just flow through the system.

ThinkHR – Human Resources in the Cloud

Metropolitan Risk Advisory has partnered with ThinkHR to provide you with a powerful and effective way to make quick, accurate and intelligent decisions when it comes to urgent HR situations. Now you can experience what businesses across the country are calling the best HR resource they’ve ever used, including advice and guidance from real live HR professionals.

Click on ThinkHR’s logo, located to the right, to find out exactly how this great service will complement your current needs.

workers comp insurance

Credits & Premium Recovery

Too many businesses we engage with are overpaying on their workers’ comp due to unfortunately common errors in their experience mod or audits.When we engage we immediately look for opportunities to recover money from these errors for our clients up to 3 years back. This is called “premium recovery.” There are also various credits available that can save you anywhere from 5-30% per year on your premium as well, if you know where and how to get them.

Annual Check Up

Metropolitan Risk ensures lasting success. With our yearly check-up, our dedicated staff makes sure that we’re on top of your account. This check up includes:

  • Loss History Evaluation
  • Mod Analysis
  • Audit Verification (Audits frequently have errors, the ones we find could mean a check in the mail for you)
  • Lowering premiums

Mobile App for iOS and Android – A New Way to Manage Risk

Our new mobile application will offer you the fastest and most convenient way to report claims. The app can report incidents, injuries property damage, auto accidents, and even report safety hazards. All info uploads directly to your OODA Risk Management System which allows stakeholders to execute quickly based on the pre set protocols we set up for your org. THIS IS HOW YOU LOWER YOUR INSURANCE COSTS !

Remember, how quickly you report an injury is directly correlated with cost of the claims and your future insurance costs.