Taking the pain out of workers’ comp claims

Workers’ compensation may be mandated in all states, but that doesn’t mean all coverage is the same. Our program includes pre-negotiated pharmacy services, medical bill review, online tools and resources, and 24/7 claims reporting. Plus, our dedicated nurse case managers thoroughly assess an employee’s injury and collaborate with our extensive medical network, quickly arranging for the most important and appropriate medical and rehabilitation services to assure a safe, timely return to work.

We’re always on the job

Avoiding losses before they occur is always the best policy. We offer comprehensive risk solutions services to help businesses and organizations identify and control risk exposures. This helps reduce the amount and severity of workers’ comp claims, saving time, effort, and costs. These resources and services include:

Return-to-work guidelines — sample handbook, checklist, forms, and letters to develop a customized plan helping employees return to work as soon as medically possible
Special discounts — savings on a range of relevant services, including CLMI safety training, and driver’s alert health and safety training, offered through Hanover risk solutions partners
hanover.com/risksolutions — one-click access to risk assessment resources and articles on ergonomics, personal protective equipment, worker health issues, and much more

Hanover workers’ compensation claims services

WHAT WE PROVIDE	HOW BUSINESSES AND EMPLOYEES BENEFIT
Experienced claims adjusters	Triage claims based on complexity, partnering with policyholders to drive positive outcomes State-specific knowledge and expertise Catastrophic claims handled by executive adjusters
Aggressive return-to-work program	Skillfully identify work opportunities aligned to injury limitations Successfully control extended disability period
Nurse case managers	Assist injured employees in obtaining proper medical treatment and attention Facilitate partnership between employee, employer, and medical professionals
Established medical networks	Over 50,000 healthcare providers and medical equipment suppliers, in all 50 states
Pharmacy program	First fill program eliminates out-of-pocket costs for the injured employee Administered through major pharmacies or mail-order Medication provided at pre-negotiated prices
Medical bill review	Helps identify pending and unrelated charges, and reduces duplicate submissions
Completion of state workers’ comp forms	Report mandatory information to all 50 states via electronic data interchange (EDI) or paper-based, per state-requirements Complimentary copies for policyholders and employees

If an injury or illness occurs

The Hanover offers four convenient ways to file a claim:

In situations where an employee is losing time from work, we waste no time initiating contact with our customer, their employee, and doctor assigned to the case, usually within 24 hours or less.

116-10048 (4/17) LC 2017-080