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Workers' Compensation Administration

Bergen Risk Managers believes that thorough, timely, and professional investigation of liability claims is just the first step in protecting the interests of its self-insured clients. Our staff of field investigators and adjusters is thoroughly trained and experienced in areas critical to the comprehensive handling of liability claims.

The primary goal of an effective workers' compensation claim administration program is the reduction of medical cost and lost work time associated with on-the-job employee injuries. Bergen Risk Managers combines aggressive claim handling and medical cost containment strategies to achieve this goal.

Case Management

All cases are managed from the point of injury through return to work. This approach ensures that case management is initiated promptly. A preferred provider network is organized to meet the specific needs of each client. Providers are compensated in accordance with pre-negotiated discounts. All services beyond the initial visit require pre-certification, and cases are monitored to ensure that service meets the employee's needs, while keeping lost work time to a minimum. Medical and nurse case management is used as required to ensure the proper oversight of complex cases. Ongoing communication is maintained between the employer, provider and patient to ensure cost effective and timely case management and control.

Claims Administration

Bergen Risk provides the full range of services needed to ensure efficient claims administration. Loss reserves are prudently maintained and controlled. All medical fees are audited using state of the art computer based systems, and are paid in accordance with client specifications. Determination of disability is managed professionally and with the full support of expert medical opinion. Employee payments are made directly from Bergen Risk at the direction of the employer. Video surveillance, litigation and subrogation are used as appropriate to ensure the validity of every claim, and the most cost effective outcome for the employer.

Onsite Management

The Bergen Risk philosophy is to ensure that the most cost effective approach is employed to prevent injury, and when it occurs, to manage it properly. To support that philosophy, Bergen Risk provides the following services:

Preplacement testing to determine that prospective employees are capable of meeting the physical requirements of the job

On site workplace evaluation and injury analysis by skilled engineers to eliminate the causes of injury

Assistance in the design and ongoing administration of the internal injury management system to enhance control and communication

Comprehensive Approach

The Bergen Risk approach includes the tools and ongoing support to increase management and employee awareness of the actions required to reduce injury incidence, and if it occurs, to manage it properly.