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Your Comp Care Journey

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We created this brief presentation to communicate what your 1st-year client journey would look like. Most folks don’t understand that it takes at least 6 separate Metropolitan Risk team members to deliver our Comp Care Suite. Each team member has a very specific function and expertise which they leverage to help build your workers compensation cost containment program.

Our approach focuses on three main pain points in most organizations :
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[av_iconlist_item title=’1. Pre Loss’ link=” linktarget=” linkelement=” icon=’ue8df’ font=’entypo-fontello’ av_uid=’av-1mdybpg’]
Commonly referred to as loss control, the goal here is prevent losses from happening in the first place. Our loss control engineers each have their own specialty within our 3 practice groups (Construction, Human Services, and Transportation).

We leverage their years of knowledge to build and audit a system that holds your staff accountable for safety execution and performance. If you don’t audit your procedures you never close the loop. That is not a system, it is a task list. Systems deliver cost efficiencies ; consistently. We suggest task lists are a recipe for failure.
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[av_iconlist_item title=’2. Day of Loss Protocol’ link=” linktarget=” linkelement=” icon=’ue863′ font=’entypo-fontello’ av_uid=’av-1lrj52c’]
The first 48 hours are critical in the event of an employee injury. The longer it takes to get it into the workers compensation system the higher the cost. According to a Stanford University study the same exact shoulder injury costs 48% more if reported 30 days after the potential incident.

For most of the clients we on-board their previous systems and protocols fell woefully short here. At best they reported claims up to the carrier, got their claim numbers, then sat back and watched their costs grow, painfully. We coach your team and build systems for your company to really tighten up your “Day of Loss Protocol” so past doesn’t become prologue as it relates to your workers compensation claims.

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[av_iconlist_item title=’3. Claims Management’ link=” linktarget=” linkelement=” icon=’64’ font=’entypo-fontello’ av_uid=’av-1jz53zo’]
Another critical component of an aggressive workers compensation cost containment program. Our Claims Advocates have adjusted employee injuries for companies such as Goodyear Tire, Bovis Lend Lease, and Wicked (Broadway). They bring 20+ years of workers comp claims handling to bare on your files, holding your carriers accountable. They negotiate reserves, force Sec. 32 settlements, and hold ethically challenged medical practitioners accountable. This is a component that is lacking within most organizations. This highly specialized staff advocates on your behalf to get the files closed, lowering your costs and your experience modification factor.
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[av_iconlist_item title=’+ Customized Goals & Missions’ link=” linktarget=” linkelement=” icon=’ue8a8′ font=’entypo-fontello’ av_uid=’av-1ij2yus’]

Here we work on customized solutions that our initial Comp Care Blueprint Assessment revealed your organization may be missing. As an example we may suggest building a full on Return To Work Program to assist with one of the main objectives of the program, getting your injured workers back to work and off your workers compensation insurance. There are more than 11 different goals or missions we may recommend beyond setting up the 3 pronged attack of Pre Loss/ Day of Protocol / Claims Management.

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Your Team :

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Risk Advisor : Your point person as it relates to your account. Helps coordinate services and assist with insurance coverage design, pricing, and binding. Similar to your current insurance broker with far more tools at their disposal.
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Account Executive : Assists in coordinating services and becomes the main point person for services such as certificates, policies, and billing. They help train your staff on the O.O.D.A. Risk platform and Think HR Platform as well as the self serve certificate of insurance platform. Similar to your current brokerage support person within your existing relationship.
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Risk Manager : Benchmarks your organization and assists in building the K.P.I.’s (Key Performance Indicators) which we use to measure how well your organization is progressing within our Comp Care program. You can’t measure it if you can’t manage it. The Risk Manager assists in managing your data, watches the K.P.I.’s and provides coaching as your metrics move around, always with an eye towards improving your key performance indicators.

The Risk Manager will also assist in the up front assessment of your organization’s strengths and weaknesses with our Comp Care Blueprint. Once they have identified your organization’s strengths and weaknesses they use “Profit Tools” to help build custom solutions for your top pain points. As an example our “Transitional Duty Profit Tool” which is an enormously powerful tool in getting your workers back to work, cutting off runaway indemnity payments that are driving costs. This position is probably not in your current brokerage relationship’s service team.

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Claims Advocate : Our Comp Care Claims Advocates are licensed workers compensation adjusters. Since they have come directly from the carrier side of the business they speak the language. They know what’s possible as it relates to negotiating your claims reserves and coaching your staff. Also, they can improve the Day of Protocol K.P.I’s and action planning every claim always with an eye towards closing the file. There is a big difference between our Claims Advocates versus the traditional broker. Most brokers have a claim clerk that simply flings paper to the carrier, gets the claim number, and moves on.

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Technologist: Our O.O.D.A. Risk system is proprietary to us and our clients. Without a centralized system to coalesce around your specific challenges, as well as collect data to make it actionable. Your chances of success in any risk management endeavor greatly diminish. Our technologist assists in building out your custom O.O.D.A. Risk system, and triages any issues that may arise as you begin to deploy the O.O.D.A. Risk system throughout your organization. They are the gatekeepers for your data and your employees’ systems utilization. Most brokers have very thin systems that are completely internally facing and cannot begin to assemble the critical K.P.I.’s. You need these KPI’s to quickly act and move on issues before they begin to drive costs.

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Risk Analyst: This person reviews all of your policy information, metrics, and cost basis so we can correlate between your “Cost of Risk Financing” (Insurance) and your performance metrics (Incidents / Claims). They assist with both the pre and post-audit process for your worker’s compensation policies, analyze your experience mod calculations, and help order your worksheets from the State. They analyze your worker’s compensation policy to make sure you are awarded all of the credits you deserve from the Workers Compensation Rating Board. Also helping to build out your annual insurance cost structure worksheets to assist your bid and RFP folks by baking in the correct insurance costs for job sourcing.

Lastly, they assist with vendor qualification and insurance contract reviews (RISK ROCKET) to make sure both your insurance and your vendors’ insurance are consistent with the insurance contracts purchased to protect your organization.

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Metropolitan Risk Advisory

Comp Care Journey Year – 1

Your Comp Care Journey

Your Team :

Insurance Brokerage and Risk Management