Workers' Compensation

RCM&D designs workers' compensation programs focused on meeting our clients’ specific needs.  We have the depth and capabilities to offer a wide spectrum of risk financing options, from first-dollar coverage to self-insured programs and everything in between.  After conducting a thorough analysis of the business as well as assessing objectives and risk tolerance, we explore and present a variety of innovative alternatives to provide our clients with the most cost-effective solutions. 

We don’t stop there.  After choosing the optimal workers' compensation program, our claims and risk control professionals work with clients to manage the program and reduce claim costs.  We analyze claim histories and complete a thorough exposure analysis, then design a risk control program that will reduce both the frequency and severity of claims.  These programs have been proven to reduce the actual cost of claims as well as reduce the delays in returning injured workers to the labor force, thereby reducing the financial impact of lost productivity.

When claims do occur, our claim consultants work to achieve prompt resolution of difficult claims.  We also monitor and challenge inappropriate reserves to ensure the organization’s experience modification is not adversely impacted.  Our claim consultants have been instrumental in reducing reserves for our clients by millions of dollars.  

For our self-insured clients, RCM&D created SISCO (RCM&D Self-Insured Services Company, Inc.), a third-party administrator.  Through a staff of experienced adjusters, nurse case managers and medical bill review resources, SISCO is available to aggressively adjust workers' compensation claims and minimize the cost of every claim.  Those adjusters also are available to RCM&D clients who are not self-insured to assist with the resolution of difficult claims. 

Our team approach, deep resources and strong carrier relationships allow RCM&D to provide customized cost-effective solutions for every client, even those with the most difficult exposures.

 

Ready to continue the conversation? We’d like to. We are eager to discuss your risk and benefits management challenges, your organizational goals, and your appetite for new solutions based on your unique business needs.