The casualty insurance line, Workers’ Compensation Insurance is the only line of insurance that has a controllable cost linked to the insured’s judgment and actions. The cost may be substantially reduced based on control of losses and losses may be controlled from eliminating the incident all the way through assisting the claims adjuster regarding the claimants’ return to work along with claim data availability. Claim settlement with the appropriate data will facilitate prompt litigation response and shorten settlement turnaround time thereby controlling reserve amounts. Closed claims have reserve amounts of zero or less.

Managing a claim and it's associated costs is controlled by:

1. Eliminating the claims from occurring with tools akin to pre-employment screening.
2. Assisting the insured in creating and maintaining the necessary data to establish the facts surrounding a work-related injury.
3. Assisting the claim adjuster starting from the First Report of Injury and related claimant facts through return to work, medical supervision and claims settlement and closure.

CriticalPath provides the software and instructions to the insured to avoid claims and if there is still an incident, how to establish and deliver the claim facts to the adjuster. CP works with the adjuster to obtain all the necessary injury incident, claimant personnel and medical data and proceed to move the claimant from the injury stage to working recovery and subsequently full and complete claim closure.

Working the claim incident from the insured’s location to the adjuster’s file is CriticalPath’s formula for claim cost control. The claim costs are controlled and substantially reduced with a net fee cost to the insured that the program is the most cost-effective way to control the Workers’ Compensation line of insurance.