Workers' Compensation News - "Best Rates and Great Value"

ProComp offers a Worker's Compensation program designed exclusively for Auto Dealers and is backed by the security of an " A" rated insurance company with in-state claims offices to serve you. Each dealer is assigned a designated claims examiner with the lowest case loads in the industry assuring you the very best service. Low rates and experience mod management are a bonus!

ProComp Professional Support Services include:

Fraud Investigation
On-Site Claims Reviews
Regulation Compliance
On-SIte Loss Prevention Training

ProComp promotes a culture based program tailored to meet each dealer's needs and requirements. The Loss Control Plans are dealer specific and focus on Injury Prevention rather than compliance issues. The loss control representative assigned to your dealership remains constant allowing your staff to develop a confident working relationship down the road.

For consultation and premium quote, contact:

ProComp Early Return to Work Program

The purpose of the Early Return Program utilized by ProComp customers is to provide an injured worker who has been prescribed temporary work restrictions or limitations from their normal job duties with the opportunity to earn higher benefits than they would otherwise receive from the insurance company and at the same time reduce the cost of the claim. Reducing the cost of the claim lowers the employer's experience mod resulting in greater workers' comp premium savings.

Remember, temporary disability payments can be suspended if an injured worker refuses to accept an offer for transitional or modified work.

Labor laws permit the employee performing modified work that is different than normal job duties. If a reduced wage is paid, the insurance company will pay the injured worker additional wage loss benefits. Here is an example.

ASSUME: Average Weekly wage: $26 per hour x 40 hours per week = $1,040

ASSUME: Modified duty at $10 per hour x 40 hours = $400 Insurance company will pay $426.67 ($1,040 - 400 = $640 x 2/3)

Modified Duty Benefit $400 + $426.67 = $826.67

*Wage loss or temporary partial benefits are paid at 2/3 of the difference between the avg. weekly wage and the actual wage earned

Return to Work Program Benefits:

Promotes physical and psychological recovery process for the injured worker
Reduces medical, disability and lost time costs
Lower claim costs equals lower experience mod
Reduces rate of litigated claims by maintaining personal and productive contact with injured worker.

ProComp's Early Return to Work program makes $ense. Contact your broker or Randy Foster at 800-936-7837 x 6205, for assistance with your Program.