Frequently Asked Questions - FAQs
Q. Where can I find recent news about
Employers Direct?
A. Visit the
online press room for press releases and news features.
Q. How can I get an electronic or paper version
of Employers Direct’s press kit or quarterly newsletters?
A. Visit Media Contact.
Q. How can
I arrange an interview with one of Employers Direct’s experts?
A. Visit Media Contact.
Q. What is A.M. Best's rating for Employers Direct?
A.
For more information, click the A.M. Best logo in the top right
corner.
Q. Where can I learn about Employers Direct’s
tradeshows and seminars?
A. Visit Tradeshows & Seminars.
Q. How can I learn
definitions of workers’ compensation terms?
A. Visit Workers’ Comp Glossary.
Q. Why is Employers Direct's Claims
Department different?
A. Employers Direct
Insurance Company partners with our policyholders, injured
workers, and the medical community to provide superior claims
service.
Reasons Why Our Superior Claims Services
Are Possible:
- Low Case Loads: We give our Claims Examiners the time to address all of the issues on your files. Our maximum caseload is 125 files.
- Experience: Our Claims Examiners average 10 years
experience and are among the best in the business.
State certification levels are among the highest in the industry. - Training: Laws and regulations can change daily, weekly, or monthly. We provide on-going and timely training and direction as things change to ensure that Employers Direct takes advantage of all possible savings for our policyholders – and our team is well versed in all aspects of SB 899.
- Consistency: Employers Direct has a detailed policy and procedure manual and published workflow to ensure that best case practices are utilized.
- Aggressive Claims Handling: We fight appropriate claims and liens, often spending Employers Direct’s dollars to save policyholders’ loss costs.
- Supervisor Oversight: Our supervisors do not carry caseloads. They triage, monitor, and provide additional direction to your Claims Examiner to ensure that the best results are achieved.
- Fraud and Investigation: Employers Direct partners with our policyholders to investigate all suspicious claims and takes action to eliminate or minimize claims. In addition, Employers Direct has a confidential toll-free hotline for reporting suspected fraud: 866.SIU.EDIC (866.748.3342).
- Medical Provider Network (MPN) Compliance: 100% of our policyholders are enrolled in our Medical Provider Network, which allows lifetime medical control over claims.
- Policyholder’s Claims &Information Center (PCIC): Our secure online portal provides real-time access to claims reports, loss runs, and policy data 24/7 at the click of a mouse.
- Clerical Support: Workers’ compensation is labor intensive and time sensitive. Our philosophy is to provide appropriate clerical support to meet all statutory requirements and allow the Claims Examiners time to concentrate on resolving the issues. This approach saves you money.
Q.
What is the purpose of Employers Direct’s initial Loss Control
Survey?
A. Before providing a
quote for workers’ comp insurance, Employers Direct conducts a
loss control survey. This allows your company to share details about operations that may impact
safety. This information is valuable for our underwriting
department when preparing a quote. This is also the time
for us to share areas of concern that can help your business
immediately.
Q. What makes Employers
Direct different?
A.
Read about the advantages of Employers Direct:
- Expert claims examiners with low case loads: our claims examiners are knowledgeable, manage claims efficiently, and have the time to stop fraud in its tracks
- Employer control over claims: our policyholders are 100% Medical Provider Network (MPN) compliant, which means they retain medical control for the life of their claims
- Immediate value: our extensive loss control survey and claims history analysis are completed before a quote, and we design customized loss control tools
- Customer service team: a seamless transition and excellent ongoing service are the hallmarks of our success
- 24/7 online real-time access: claims reports, loss runs, and more at the Policyholder’s Claims and Information Center (PCIC)
- Financial strength and stability: Employers Direct is rated “B++” (Good) by A.M. Best and is a subsidiary of Alleghany Corporation (NYSE: Y)
