High-quality medical treatment with controlled costs. Coverage features:
Preferred Provider Organization: An extensive network of industrial clinics, physician specialists and hospitals committed to providing excellent treatment while managing costs.
Utilization Management: Supervised by physicians, our nurses use the latest in computerized medical guidelines. They review treatment plans, including the necessity of hopsital admissions and lengths of stay.
Early Return-to-Work Programs: Bringing employees back to work as soon as medically feasible saves substantial sums in temporary disability payments and retraining costs.
Bill Review: Every bill is reviewed for appropriateness of treatment, pricing, discounts, and billing overlap. This saves millions of dollars every year.
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Workers' Compensation premiums and rates are based on claims experience. Lowering your cost of claims and improving your loss experience may reduce your net cost.
Studies show that employees who receive prompt, appropriate, and professional care appreciate their treatment, return to work earlier, and are less likely to litigate their claims. That's why Farmers' Care is so important.
Our goal is to contact you (the employer), the injured employee, the physician, and your Farmers' agent on the same day the injury is reported. Our same day four-point program ensures that necessary medical treatment is authorized immediately and that investigation of questionable claims begins early on.
Farmers believes that claims persons should be specialists. That's why our Workers' Compensation claims representatives handle only Workers' Compensation claims. They review medical expenses, facilitate return to work, manage legal expenses, and attack unnecessary costs from all sides.
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The cost of your Workers' Compensation insurance is a direct reflection of your claims experience. Our loss-control programs provide the expertise and assistance you need to reduce the frequency and cost of injuries.
Farmers can analyze your loss and claims history, identify trends and causes, and develop data to illustrate the areas that need action.
Additional loss control services include:
- risk classification
- record keeping
- premium audit service
- safety training using posters, videos, and brochures
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