Top 10 Ways to Lower Experience Ratings!

1. Don’t Hire the Claim

   1. Use an employment application. Know “who” is coming in the front door!
   2. Use a medical/health questionnaire (but do it lawfully!)
      1. Fund Post-Offer-of-Employment Medical Inquiry NC / SC
      2. Medical Record Authorization/Release

2. Report the Claim

   1. Call CAGC Insurance Company
   2. File a Form 12A in SC/Form 19 in NC
   3. File a Form 20 in SC/Form 22 in NC
      1. Employee’s actual wages
      2. Like-kind employees

3. Investigate the Claim

   1. Interview all witnesses
   2. Interview the claimant
   3. Document fact/photograph jobsite
   4. Create written statements/memos
   5. Make the claimant write a statement and sign it

4. Take Every Claim Seriously

   (Open claims are open checkbooks! Help Adjusters CLOSE Claims by providing timely and relevant information related to injury, medical care, and return to work.)

5. Control the Medicals

   (Employer designates the medical provider NC Doctors/SC Doctors. You choose your company doctor.)

6. Conduct Drug Tests

   1. Implement a Drug/Alcohol Program
   2. Random drug screens
   3. Drug screen immediately after the accident
   4. The question: “Is the positive drug screen causally related to the accident?”

7. Put the Injured Worker Back to Work

   1. Find the claimant real light-duty work
   2. Keep him busy
   3. Keep an eye on him

8. Don’t Fire the Claim

   1. Retaliatory discharge-civil action, punitive damages and no insurance
   2. Don’t make the workers’ comp claim worse

9. Review your Loss Experience for Accuracy When Data is Summitted to the Bureau for Experience Mod Calculation.

10. Establish Your System/Adhere To Your System

    1. _____Prevent and Avoid Injury
    2. _____Investigate and Interview
    3. _____See doctor immediately
    4. _____Drug screen immediately
    5. _____Document everything
    6. _____Collect witness statements immediately
    7. _____First Report of Injury to CAGC Insurance Company ASAP (Within 24 hours!)