Large Business
Does PRC have anything to offer to a large company that already has an effective claims management program? You bet.
PRC did some work for a large, inter-provincial trucking company that was initially skeptical about our ability to help. The company had an excellent claims management team that earned some WCB discounts, so they felt there was little else to be done.
It took some doing, but we were able to convince the client that our approach covers much more than claims management. In fact, our deep understanding of WCB processes means that we know of multiple avenues for investigating savings opportunities. And we don’t interfere with the existing team’s work.
By reviewing claims up to four years old we were soon able to produce an adjustment of more than twenty thousand dollars, even though the claim in question had been officially closed. PRC investigated and was able to put together an appeal that proved the worker’s prolonged disability was the result of a pre-existing condition.
A Substantial Financial Benefit
Encouraged by this unexpected result, the client gave us additional files to review. We quickly discovered the need for a thorough analysis of medical findings for a select number of claims. PRC has access to experts in several fields, so we brought in an orthopedic surgeon to help interpret important medical data. Armed with new facts, we were able to launch another successful appeal on a knee claim, and were awarded nearly sixty thousand dollars in additional savings. Our client was elated, but our expertise in experience rating suggested the adjustment should have been almost one hundred thousand dollars. We made sure our client received the entire amount they were owed.
In total we were able to retrieve nearly one hundred and twenty thousand dollars that had already been paid out to the WCB with more work pending. And it cost our client nothing up front.
Maybe you already have a great claims management team. Maybe you feel like you have the bases covered. This client did. But it cost them nothing to give us a try, and in the end they received thousands in refunds.
We can’t guarantee this same result for every client, but the only way to find out if we can help is to give us a call.
Mid-Size Business
We’re not a big outfit. Is it really worth the bother? Absolutely!
After a few years of paying additional surcharges because of poor safety performance, a small construction company had worked hard to improve their status. In fact, they were now in a position to receive discounts on their premiums – a notable achievement. Still, they were looking for ways to reduce costs, so they inquired about our services.
They were understandably cautious because they didn’t want to jeopardize the good relationship they had built with WCB. We were able to reassure them that PRC sees the WCB as a partner rather than an adversary. While there are occasions where we agree to disagree, our business is always done with integrity and respect. We cannot exist without cooperation from the WCB and we often note the importance of their work on behalf of employers.
Protecting valued relationships.
In the first year of our involvement, PRC examined several claims, but didn’t garner any significant results. As promised, there was no charge for our services. But more importantly, the client’s relations with the WCB were unaffected.
In the second year, we conducted a similar review for this drywall company and presented our client with savings equivalent to one year’s worth of premiums.
Maybe you’re concerned that having a consultant review your claims isn’t worth the risk of antagonizing the WCB. But we’re not here to start fights or make enemies. Our goal is to represent your interests in a complicated business, and to find real, fair savings.
Give us a call to talk about how we can help you.