Recently, WCTL has launched a new program to Assist Employers with Self- Managed, In-House Claims Management Programs.
WCTL has worked with large employers in the Public and Private sectors for more than 20 years and has seen firsthand that the 80/20 rule clearly applies to disability claims – that is - that 80% of an employer’s claim costs are attributable to 20% of its claims. Furthermore, WCTL has found that most in-house programs are effective in managing the 80% but lack the medical and legal expertise required to effectively manage the expensive, more complex 20%. For most employers, the cost of employing in-house medical and legal staff to address the complex claims is not cost justifiable.
WCTL’s Claims Assistance program provides cost effective Medical and Legal expertise to augment self-managed, in-house disability management programs in the following key areas:
Legal Representation on all Workers’ Compensation Appeals
Medical opinion and documentation to support Cost Relief Applications
Medical review and opinion on challenging/ complex claims with high cost potential
WCTL uses claim analytics to identify claims with the highest cost potential so that a set of criteria can be established that will determine which claims would be referred into the WCTL Claims Assist program.