• Comp Care: Workers’ Compensation Cost Containment

    Comp + Care Workers Comp

Comp Care is our Workers Compensation Cost Containment Platform

Are workers compensation claims killing your profits? Is your experience mod above 1.0 and rising? Don’t worry,  Comp Care can help! Comp Care is the only workers compensation cost containment platform of it’s kind and it is growing FAST (scroll down to see some of our satisfied clients).

Our program includes :

* Loss Control Engineering

* Human Resources Training Program

* Risk Management System to track incidents, claims and benchmarks

* Claims Management by our own internal workers compensation claims adjusters.

For many companies in high risk industries, workers’ comp is a HUGE pain point. Costs often escalate very quickly, and business owners often don’t have anywhere to turn for quality answers. Due to this, we’ve seen companies overpay by hundreds of thousands to millions of dollars per year! No exaggeration!
Comp Care was built to for small and mid sized companies who can’t afford to build their own risk management departments yet want the ROI only a solid risk management department can deliver.

If we decide to work together, we begin with an assessment of your current program. We benchmark ALL your current costs(direct & indirect) and strategy, analyzing where you are strong and where you are weak. We will issue you a Comp Care blueprint and train you, your supervisors, and even your employees on best practice protocols.

Meanwhile our Claims Advocates dive in on all of your open claims seeking opportunities to improve outcomes and reduce your reserves as this is essential to a lower experience mod. We don’t make false promises. It’s going to take time, effort, and a commitment to doing things the right way. But after one to two years, your efforts will pay off and your ROI should be substantial. In fact, we’ve never had a client sign on to Comp Care who didn’t get a return on their investment after two years.

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What’s Included

  • Comp Care Assessment And Blueprint

    When you sign with us, we take your goals, and come up with a customized strategy to achieve them. A couple key leaders in your organization will take our Comp Care Lite assessment so we can get an idea of what you currently do well. We then match that with best practices to come up with a blueprint for your first year in the program. By selecting items that will have the quickest and biggest impact on your costs, we can ensure a successful first year. These items go in to your customer portal so we can hold everyone accountable (both in our firm and yours). We also benchmark all your direct costs (premiums) and indirect costs (deductibles, etc.,) to make sure we are truly improving your costs, and if not, we will find out why not.

  • Loss Control (Prevention)

    Including:

    • A customized safety plan & manual
    • OSHA compliance process
    • On-site loss control inspections to look for opportunities to decrease preventable incidents
    • Driver safety program available
    • Return to work programs to decrease the cost of a claim
    • Supervisor training
    • An accountability system in our risk management portal that measures both leading indicators (e.g., safety program activities & loss control visits) and lagging indicators (e.g., number, cost, & cause of claims) for each of your locations.

  • Day Of Loss Protocols

    Having protocols for the day an injury occurs is essential to cost containment. First and foremost the priority is taking care of the employee. Whether that’s through an occupational medical center, nurse triage, etc. After that, it’s about gathering necessary evidence and witness statements, then finally getting everything reported in a timely manner.

  • Claims Trend Analysis (Measure)

    For companies with many projects or locations it can be a daunting task trying to keep track of all your policies and claims, let alone which locations are having too many back injuries, which are having too many slip & falls, etc. When you use our system, that is all automated. Simply log in 24/7 and see a summary of all your claims data throughout the years. We can break down your claims based on many types of criteria, even by location of injury (body part). This allows you to take insightful steps towards improving your safety and costs.

    To measure is to know.

  • Forms Packet

    When you sign with us, we will curate a custom set of tools for you that will take your risk management to the next level. For example, Metropolitan Risk can design a completely unique safety handbook for your employees and managers to go by. Risk management starts with modifying behaviors in accordance with the goals you set when we lay out your personal blueprint (see Loss Prevent above).

  • Annual Check-Up

    Metropolitan Risk ensures lasting success. With our yearly check-up, our dedicated staff makes sure that we’re on top of your account. This check up includes:

    • Loss History Evaluation
    • Mod Analysis
    • Audit Verification (Audits frequently have errors, the ones we find could mean a check in the mail for you)
    • Lowering premiums

    With Comp Care Lite you get this fantastic feature, along with all of the ones listed above.

  • Mobile Reporting

    Our new mobile application will offer you the fastest and most convenient way to report claims. The app can rapidly locate medical facilities, report injuries, report property damage, report auto accidents, and even report safety hazards.

    Remember, how quickly you report an injury is directly correlated with cost.

24/7 CLAIMS HOTLINE - (914) 719-0135

Comp Care includes access to our Claims Hotline – available to you 24 hours a day, 7 days a week. If you call, you’ll be put in touch with a representative who will dispatch an investigator immediately.

F.A.Q.

Pricing for the program is contingent on scope of work, complexity, number of open claims, # of employees and locations.

No. While we can take over your entire insurance program, or just a piece of it, we do not have to if it doesn’t make sense. We have many clients we just do risk management for.

Absolutely. That is one of its goals.

COMP CARE TESTIMONIALS

“We could have purchased insurance for our projects at a number of brokerages. We engaged Metropolitan Risk because they had a turn key solution for two of the largest cost drivers in our construction business. By helping us formally manage our subs insurance with their Risk Rocket program AND helping us manage our employee injuries with their Comp Care program our construction firm has saved blood and treasure. This allows us to focus on what we do best which is develop and build. A heartfelt thanks to the Met Risk Team.”

Kevin O’SullivanOwner - Time Square Construction – TimeSquareConstruction.com

“I met with Metropolitan Risk because I knew I had challenges inside my business and was having trouble finding an effective way to solve them. Our safety procedures were incomplete and inconsistent which showed up in our claims and as a result our experience mod. It increased our costs to the point where it was impossible to ignore. After meeting with Alex and the Met Risk team, it was clear my business could benefit from their expertise. I was optimistic that together we would be able to accomplish all the goals we originally outlined, but didn’t think that we could accomplish so much, so soon. Being in business nearly 30 years, it just seemed too good to be true. Well, in this case it definitely wasn’t.  I’m thrilled with the decision we made to hire them. It’s a decision that has paid for itself 3-4 times over already.”

Glenn GriffinOwner - Griffin’s Landscaping – GriffinsLandscaping.com

“I was skeptical that Met Risk would be able to accomplish all the things they originally outlined at our first meeting. But our experience mod was high and our safety policies needed help. Rebar decided to trust their process.  They have far outperformed all of our expectations. The Met Risk staff has the most complete insurance and risk expertise I have come across in the 25 years I have been in business.  They have opened my eyes to the damage you can do to your company due to lack of knowledge in the insurance field. Met Risk has exceeded our expectations.”

Teresa SmithOwner - Rebar Steel Corp – RebarSteelCorp.com
“We originally met with Metropolitan Risk because our workers comp costs had significantly increased. They told us we needed to proactively manage our risk and claims, and we agreed. We were confident they could help us accomplish our goals but honestly didn’t expect the ROI we received so soon. Our experience mod has decreased twice since we engaged. We are now working with them on improving other areas of our business and are much more confident in our systems and processes surrounding the managing of our risk & insurance. We are thrilled to have such a knowledgeable partner, and will never go back to our old ways again.”

Greg SchaeferCFO - Better Home Healthcare – BetterHomeCare.com