Products & Services
“Throughout the years are partnership with CMI has been of immeasurable value by their professionalism, expertise in workers’ compensation, and their responsiveness to our business needs. The adjusters and loss prevention consultants have true concern for the well being of our employees. No employee concern or problem is too big or too small for CMI.”
Sheryl Lalonde
Pine River Plastics, Inc.
Why Self Insure?
The CMI Advantage
CMI offers the best mix of a local resource and a national company. Our parent companies provide expertise in key areas and CMI’s exceptional history in self-insurance means that you can tap into outstanding capabilities to meet your ongoing and emergency needs.
What are some of the CMI advantages?
Customized Service
Every customer’s main consideration when choosing a product or service is the level of personal and professional attention they will receive. Administration of your workers’ compensation claims requires attention to detail from each adjuster managing your claims. Our claims professionals have the lowest caseloads in the business, so our clients receive the attention to detail they demand. Our belief is to match the right adjusters to each account and to keep them there. Our low staff turnover leads to higher quality service.
Expertise
The experience of our claims professionals is critical in establishing a cost-effective program with your organization. Our experienced claims professionals know when a claim can be successfully defended and when to consider other cost-effective options. As a partner, we keep our clients involved throughout the process, from investigation through resolution. Also, we will invest in you, offering customized training for your managers and employees on all aspects of workplace safety and workers’ compensation administration.
Leading-Edge Technology
CMI uses a leading-edge claim management and information system that offers unlimited loss analysis and financial reporting formats, Internet based delivery, and real-time online client access to detailed claim information. Our goal is to make information readily accessible and usable to help you manage your business and improve your bottom line.
Bundled Excess Coverage and Pricing
CMI is unique among TPAs in that we offer flexible in-house excess coverage. Our excess insurance policy includes broad workers’ compensation coverage with “pay on behalf” wording, so you are not burdened with waiting for reimbursement from your excess carrier.
Integrated Disability Management Program (IDM)
CMI integrates all your disability programs, short-term and long-term, with your workers’ compensation program to achieve seamless service to you and your ill or injured employees, regardless of the duration of their disability. Our proven integrated program has demonstrated to save our clients time, to ease administrative burden, and to reduce overall claim costs.
Financial Stability
Citizens Management Inc. is a successful TPA experiencing steady growth in the Midwest. Over the past decade, CMI has become the largest TPA in Michigan, specializing in self-insured workers’ compensation. As part of the The Hanover Insurance Group, CMI has available the resources and financial stability, rated A – (Excellent), to manage all aspects of your workers’ compensation and disability program.