Success Story In the Health Care Industry

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Effective Risk Management

Lawley Insurance was chosen by a Nursing Home Client to develop and implement a Risk Management program. Working with the Client team, we developed a process that:

Addressed current/open claims and their costs
Controlled costs for future claims
Looked to reduce those exposures that lead to worker's compensation losses

Lawley’s program lowered losses and their costs through:

A plan of action with the Client financial team based on the recognized patterns of loss
Accountability with facility management to become part of the process in controlling claim costs
Institution of a drug test program
Evaluations and follow-up surveys at each location
Instituting safety committees that included the home office Risk Manager directed at prevention of future losses
Promoted and supported the zero lift program implementation
Initiation of a Transitional Return to Work Program
Successful closing of open claims through aggressive claims management
Successfully institution of a First Aid Program to self-pay for smaller claims, keeping these items from negatively affecting the experience modification
Providing training on accident investigation and controls
Coordinating carrier service to fit within the framework of our service plan

The results from this approach, over the five-year period include:

A dramatic drop in NY claim submissions from almost 900 in when we started to merely 184 claims submitted five years later
An equally dramatic reduction in claim dollars of over $1.8 million at the beginning to slightly over $590,000 in the fifth policy year – with almost half the current year claims closed
The first aid program covered a total of 649 bills valued at $79,610
After fee scheduling the paid First Aid amount was reduced to $61,889 resulting in a $17,524 savings

In year six we, along with facility management, developed a plan to address in-bed repositioning and driving exposures. These are the next two significant or potentially significant loss generating areas that fit into our systemic loss reduction program.