Products & Services

“We’ve developed excellent relationships with many of the Citizens Management professionals, and especially appreciate their responsiveness to how we want to manage workers’ compensation at our company.  The CMI team has assisted us in developing safety improvements, ergonomic practices, and an excellent Return-to-Work program. They know that we want our employees treated with individual respect and support, never promoting an adversarial atmosphere in potentially difficult situations.  We trust our claims adjusters to professionally and respectfully treat each situation with proactive management steps for better managing costs and outcomes.”

Susanne Clausnitzer, SPHR

Malloy, Inc.

Workers Compensation

Administering claims involves a complex combination of talents, including negotiation skills, knowledge of medical issues and OSHA and workers’ compensation statutes, and understanding of case law. If a claims administrator does not offer proper oversight, quality suffers. However, when a claims program is administered properly, it becomes a long-term business asset.
We are aggressive in claims management by nature, but mold our claims administration strategy to that of our Client.

Citizens Management offers the following Claim Service Advantages:

    • Dedicated Claims Team comprised of an indemnity claim adjuster, medical only claim adjuster, and clerical claim support.
    • Maximum caseload of 125 pending claims per indemnity claim adjuster allows us to spend more than our competitors in proactively managing the claim.
    • Registered nurses (R.N.) are on staff as medical management consultants to assist with medical bill reviews, utilization reviews and medical technical training of CMI Claim Adjusters.
    • Easy claim reporting:  Via internet, Email, Fax, or toll free phone.
    • Claims Customer Service line at 1-800-533-9366.
    • Quarterly claims meetings to discuss open claims, strategies, vendors and service.
    • Customized claims manual (Client Claim Reference Guide) for the Client so the claims reporting process is streamlined and easier to understand.
    • Leading Edge Technology: On-line access for our Clients to view claim notes and print reports.
    • Index Bureau (ISO): consistent checks throughout the life of the claim.
    • 24 hour three point investigation:  Complete investigation within 24 hours
    • Fraud detection: Potential fraud detection through data analysis and extensive investigative techniques help assure that legitimate claims are covered.
    • Quality Reserving: CMI’s proprietary Reserving methodology have demonstrated a 98% accuracy compared to final claim cost, a bench mark we are proud to maintain.
    • Comprehensive Quality Audit Program: CMI's Claim Management Team provides claim oversight from the start of a claim until it is closed. A comprehensive claim audit program and roundtables ensure the quality of the claim management.