Workers' Compensation

Claims Management Services

At York, managing workers' compensation claims means providing high quality care to injured workers so they can return to health and a productive life, which includes work activities, as soon as they can and at the same time helping our clients manage their total cost of risk in this area.

Studies show that helping injured workers return to daily life and work activities can actually help the recovery process and lessen the chance of long-term disability.  It can also reduce the chance that the worker will choose to litigate the claim. With access to an array of tools and resources, our adjusters can expertly balance our clients' desires to manage medical with indemnity costs as efficiently as possible.

York adjusters are supported by our physician review services and nurse case managers who are highly accessible and can provide background medical information, help them direct injured workers' care for the best outcomes and triage the more serious claims for immediate attention.

York's ability to seamlessly integrate our many managed care tools and services  into our workers' compensation claims process gives our clients' a single, powerful solution that delivers better outcomes for injured workers and for our clients' bottom line. Our clients also benefit from the savings negotiated with our networks of medical professionals and testing facilities.

Our adjusters are also skilled in recognizing the signs of potential fraud and utilizing our special investigative unit's resources to verify legitimate claims and to fight fraud when they find it.

Workers' Compensation for Group Programs
York's national reputation as a leader in creating self-insured, state-funded and retrospectively rated group plans allows employers to take full advantage of state provisions that permit employers to band together to enjoy lower workers' compensation premiums and maintain greater control over their programs.

Group program services include:

  • Surveys of potential group members to measure interest in participating
  • Feasibility studies to determine program viability and potential savings
  • Promotional efforts to market the group program to prospects
  • Assistance with purchase of additional services, such as excess coverage, through agents or brokers
  • Assistance with state application process
  • Administration of the program on the group's behalf

Workers Compensation for Self-Insured Groups
Self-insured group programs (funds) are a risk vehicle to which York has brought innovation as a way of managing  clients' workers' compensation cost structure for more than 26 years.

Over this time, York has been instrumental in developing and implementing several workers' compensation funds in conjunction with trade associations.

Our services include:

  • Bureau reporting
  • Loss control
  • Underwriting
  • Premium audits
  • General ledger accounting
  • Certificate of insurance issuance
  • Claim indexing
  • Marketing
  • Calculating experience modification ratings
  • Claim kit issuance
  • Calculating agent commissions
  • Claims management
  • Brokerage
  • Medical cost containment
  • Accounts receivable
  • Dividend calculations

We currently administer programs representing over $5 billion in payroll.