Small Business Workers' Compensation Insurance

The underlying strategy of our Workers' Compensation program is to establish a partnership among the four participants: the injured employee, the employer, the medical provider and Farmers. Our goal is to deliver the correct benefits quickly and efficiently at a fair cost.

Farmers Care, our complete medical and disability management program is designed to help control your Workers' Compensation premiums.

Farmers Care consists of:

• Preferred Provider Organization-The foundation of Farmers Care is an extensive network of industrial clinics, physician specialists and hospitals committed to giving excellent treatment as well as managing costs.
• Utilization Management--Our nurses, under the supervision of medical doctors, review treatment plans using the latest in computerized medical guidelines. They also verify the necessity of hospital admissions and lengths of stay.
• Early Return-to-Work Programs-Early return-to-work is a major factor in cost savings. Bringing employees back to work as soon as medically feasible saves substantial sums in temporary disability payments and retraining costs.
• Early Return-to-Work Programs-Early return-to-work is a major factor in cost savings. Bringing employees back to work as soon as medically feasible saves substantial sums in temporary disability payments and retraining costs.
• Bill Review -We review every bill to check pricing, appropriateness of the treatment and the billing overlap. This saves millions of dollars each year in unnecessary charges.

• Loss Control Services - Our loss control programs can assist you in reducing the frequency and cost of injuries. We also offer posters, videos, and brochures to reinforce Workers' Compensation safety programs, raise employee awareness, and meet legal requirements.

  Fraud Control - Our claims representatives are trained to identify and react when they see "red flags,"which indicate a claim needs further investigation.

  Classification Review - We'll review your individual classifications and operations to make sure payroll, sales, and other variables are correctly classified and you are charged the correct premium.

  Premium Audit Service - Our auditors will help you understand premium classifications as well as forecasting future premium costs. They also assist in making sure your premium is calculated at the correct rate.

  Claims specialists - Specialized claims representatives handle only Workers' Compensation claims. They review medical expenses, initiate early return-to-work programs, facilitate rehabilitations and manage legal costs.

  Same-Day 4-Point Contact - On the day the claim is received, our claims representatives are committed to achieving same-day contact with the employee, employer, medical provider and agent. This insures that benefits begin as soon as possible and that questionable claims are investigated early in the process.