What distinguishes Innovative Claim Solutions from other TPA’s can be summed up in our experience and our claims philosophy.

Experience:  ICS management and staff have the most extensive workers’ compensation claims experience in the industry.

This experience is imperative in sound case resolution, reduction of litigation expenses, and the administration of managed care programs.

 We know the right questions to ask and the different options available.

Claims philosophy:  ICS has developed a claims philosophy that centers on communication between all of the parties and providing innovative cost control measures.

 This can be described as follows:

·         Employee Advocacy - Through immediate contact with your injured employees and eliminating any adversarial relationship that some injured employees

          expect to encounter.

·         Solutions - By employing this employee-advocacy approach, our staff will be viewed as part of the solution, not part of the problem.

·         Proactive - ICS also emphasizes pro-activity in dealing with injured employees while extending benefits only when due.

          Moreover, we feel this approach can be accomplished successfully without encouraging litigation.

·         Customer Service - We feel our strong focus on customer service is reflected in the cost savings we have realized for our clients.

·         Fraud Control – We have trained our examiners to know the red flags of potential fraudulent claims.  We are fierce on fraud.

          Workers’ compensation claim benefits are for those people legitimately entitled to them.

          We begin the separation of the fraudulent claims from the real ones during our initial investigation of each claim.

·         Results - ICS strives for results that successfully reduce the cost of your workers’ compensation program. 

          We effectively impact the bottom line by reducing the amount of time an employee is away from work. 

          We work with you and the injured worker to provide modified duty and return to work programs wherever possible. 

          We believe prompt communication ensures “medical only” cases stay as “medical only” cases.

·         Early Return to Work - ICS has effectively developed “Modified Duty Matrixes” which has allowed for greater control and reduction

          of length of disabilities associated with claims.  Development and implementation of new policies involving notifying respective departmental

          supervisors when there is an opportunity for modified duty and working with these supervisors, thus ensuring a more timely return of the employee to work.

·         Customized Managed Care Programs - Development of Medical Case Management programs which assist claims control by:

·         Early intervention (within 24 hours of knowledge of lost time).

·         Evaluating appropriateness of treatment.

·         Initiating and controlling referrals to specialists.

·         Serve as liaison between employee, manager, and physician.

·         Monitoring cases for prevention opportunities.

·         Monitoring of cases for multiple reports of injury by individual employee - initiating investigation for causation as well as risk control intervention.

·         Customized Utilization and Peer Review referral criteria based on each clients request

·         Injury Management Partnerships – In order to effectively manage health care costs and prevent unnecessary economic loss,

          Injury Management Partnership Programs have been created that allow the client opportunities for strategic planning,

          streamlined case resolution and the ability to control medical and administrative expenses.

     This is accomplished by establishing procedures and protocols, medical referral forms, evaluation tools and the training of all service providers

     as to their use and our clients’ service expectations.  This heightened level of communication and “partnerships” with the provider network have

     resulted in optimal savings.

• Performance Based Contracts - We put our profit at risk to guarantee you the results you’re looking for.  We offer several different options that will help:

·         Increase your closing ratios.

·         Reduce new notices of representation.

·         Reduce annual paid costs to defense attorneys.

·         Impact your indemnity to medical only ratio.

·         Impact average duration of disability for new claims.

·         Ensure three-point contact within 24 hours of receipt of claims by ICS.

·         Ensure 100% of initial indemnity payments & DWC notices are generated timely.