Comprehensive Services

Claims

Claims Reporting & Management

Lovell's Claims Department has earned a reputation for fair, fast, and thorough claims handling. Prompt reporting by the employer of all work–related accidents and occupational illnesses is essential. Early intervention following an employee injury or occupational disease is key to Lovell's successful claims management and reduction of workers' compensation costs.

The Workers Compensation Board is reengineering how they conduct business. They will no longer accept paper versions of the Employer’s First Report of Injury/Illness (former Form C-2). Claims are required to be reported electronically through your insurance carrier. This can be done on NYSIF’s website. Because many employers are unable to access the internet or find it inconvenient, the Workers’ Compensation Board has created a new paper form (Form C-2F) for submission to the insurance carrier who is then required to transmit it electronically to the Board. As a service to our clients, you may submit injury reports to our office and we will promptly perform the data entry onto NYSIF’s website and we will then provide you and the injured worker with a claim number. Completed forms (Form C-2F) may be faxed (212-269-6212) or emailed (claims@lovellsafety.com) to our offices.

Keep in mind that New York State Workers' Compensation Law requires an employer to file a First Report of Injury, Form C–2F, within 10 days of a reportable incident. With electronic reporting, the Board will have the capability and will be monitoring the timeliness of employers’ injury reporting. They will be keeping “report cards” on employers’ and will eventual begin issuing penalties for late reporting. Section 110 of the Workers’ Compensation Law states as follows:

An employer who refuses or neglects to make a report or to keep records as required by this section shall be guilty of a misdemeanor, punishable by a fine of not more than one thousand dollars. The board or chair may impose a penalty of not more than two thousand five hundred dollars upon an employer who refuses or neglects to make such report.

Apart from avoiding potential fines and penalties, prompt reporting helps ensure better claims management. Our Claims Department provides immediate service whenever a claim is filed. The Early Intervention Program coordinates medical care so that employee treatment is appropriate, timely, and cost–effective. Additionally, our claims examiners and case managers constantly strive to develop new techniques and programs that minimize employee lost work–time and ensure both employer and employee satisfaction.

On acceptance into any of Lovell's safety groups, a company is given access to our Client’s Only web content which provides necessary forms and guidance on the claims process. Additionally, a Claims Field Representative will provide person-to-person instruction on the proper method for filing workers' compensation claims. Sometimes it is better for an employer to assume payment of minor medical bills, in order to minimize the effect of multiple small claims on the company's experience rating. Our expert claims professionals provide a full explanation on the benefits and implementation of this practice.

The Lovell Claims Department seeks to limit liability through subrogation and apportionment, and reviews claim reserves as set by the carrier and obtains reductions for claims that are overvalued. In the event that an employee is resistant to early intervention initiatives and appears reluctant to return to work, our staff focuses on providing a strong defense position at hearings and settlement negotiations. We also challenge any excessive treatment proposed by medical providers. If contested claims are brought to a hearing at the Workers' Compensation Board, our representative monitors selected hearings and directs the carrier on continued litigation.

Watch Our Presentation on Workers' Compensation