We know your employees are your company's most valuable assets. That's why our priority is to help your injured worker heal and return to work as soon as medically possible.
Working together are knowledgeable Claims Adjusters, Nurse Case Managers, Vocational Rehabilitation Consultants, a Subrogation Unit, a Special Investigations Unit, as well as Legal Professionals.
Within 48 hours after an injury is reported, our Claims Adjusters strive to contact:
The injured worker;
The employer; and
The medical provider.
Prompt claims reporting, investigation, communications, and delivery of benefits are paramount to providing care and service while controlling claims costs and minimizing unnecessary attorney involvement.
Our local, dedicated and experienced professionals know the workers' compensation claims environment in Maryland. It's why many Maryland business owners choose to insure with Chesapeake Employers.
Chesapeake Employers' professionals work to minimize malingering and exaggerated injury claims. If we suspect fraud, our investigators will investigate leads, gather evidence and refer perpetrators of fraud for prosecution.
Integrated claims management is the hallmark of every Chesapeake Employers' workers' compensation policy. You can count on our knowledgeable team of claims, nursing and legal professionals to work together throughout the entire claims process. This integrated approach to claims management assists in controlling expenses and ensures your injured worker receives appropriate medical care and disability benefits.
Prompt injury reporting is a leading factor in controlling the cost and duration of a claim. Chesapeake Employers makes injury reporting easy -- 24 hours a day/7 days a week.
Injury reporting for employers 24/7 by phone or online;
Preferred medical provider network of doctors who are experienced in treating workplace injuries;
Express Scripts prescription program with no out-of-pocket costs to your injured employee;
Pre-certification of medical treatment services;
Catastrophic injury claims team on-call 24/7;
Vigilant claims investigation;
Subrogation (aggressive pursuit of 3rd party recoveries); and
Proficient legal representation for all stages of workers' compensation litigation.
The fastest growing costs associated with workplace injury claims are medical and prescription costs. Our claims and nursing professionals monitor the medical treatment plans and their costs for every claim. In addition, electronic integration of our information systems enables us to pay medical bills promptly and at reduced rates from customary worker's comp fee schedules. Chesapeake Employers also provides these responsive services:
Prompt and thorough medical bill review and payment;
Utilization review -- we are tough on making sure that specific medical treatments and medical bills for your injured worker are appropriate;
Experienced nurse case management -- this ensures treatment plans are monitored and appropriate;
Pre-certification of medical services including in-patient admission or medical procedures; and
Independent medical evaluations -- the examination an insurance company may request the injured worker to obtain by a physician other than the treating physician.
Managed return-to-work programs have proven highly effective in containing and reducing claims costs for our policyholders. Our claims and nursing professionals have extensive experience and success with helping your injured worker transition back to productive work. We provide realistic guidance and useful tools to help you identify alternative duties in the workplace that are suitable for your injured worker.