Products & Services

“The Citizens Management team of the account manager and adjusters have always been helpful beyond expectations.  Their knowledge and willingness to work through each individual claim has helped us get the best results for all parties involved.  Citizens Management is a big part of our winning team for workers compensation claim management!”

Jennifer Anderson
W/C –Disability Specialist
Dickinson County Healthcare System

Workers’ Compensation

At CMI, we believe administering claims involves a complex combination of talents, including comprehensive knowledge of medical issues, OSHA regulations, workers’ compensation statutes and case law, and effective negotiation skills. A claims administrator’s proficiency in these areas impacts results. The CMI advantage: pro-active claims administration, focus on expertise, dedication to deep client partnerships, and cutting-edge technology, result in a long-term business asset for our clients.

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 time 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, e-mail, fax, or toll free phone
  • Claims Customer Service line at 800-533-9366
  • Quarterly claims meetings to discuss open claims, strategies, vendors and service
  • Customized claims manual for the client so the claim reporting process is streamlined and easier to understand
  • Leading-edge technology with online access for our clients to view claim notes and print reports
  • Index Bureau (ISO ClaimSearch) provides consistent checks throughout the life of the claim
  • 24 hour, three-point investigation  provides complete investigation within 24 hours
  • Fraud detection through data analysis and extensive investigative techniques assures that legitimate claims are covered
  • Quality reserving by CMI’s proprietary reserving methodology has demonstrated a 98% accuracy compared to final claim cost; a benchmark we are proud to maintain
  • Comprehensive Quality Audit Program by CMI's claim management team provides claim oversight from the onset of a claim until it is closed. A comprehensive claim audit program and roundtable discussions with claim management ensure the quality of the claim process