THIRD PARTY ADMINISTRATORS
Thinking about training? Consider ICC's Insurance Claims School
and expand your career
a multi divisional company, provides third party administration services
for self-insured companies. ICCs technological approach provides the
worlds most efficient optimization technology for claims processing.
Our solutions are designed for a range of claims including medical health
claim benefits, medical mal- practice product
liability , property, casualty, workers compensation,
professional liability, and others. ICC's solutions help uncover hidden
service delivery capacity, reduce costs, and improve services.
The advantages of using an external Third Party
purpose is to provide an innovative solution to third party administration
services. Within any organization the effective use of resources are
paramount to the development of profits and continued growth. With the
ever-increasing application of the Third Party Administration the ability
of an organization to separately function, independent of an insurance
company, has proven to be a successful alternative. The advantages of
using an external Third Party Administrator are:
cost of a third party administrator is less overhead expense than paying
an insurance company. (b) Immediate access to highly trained highly
efficient professional people. People that are experienced -eliminating
the costly introduction and training curve that is inherent to the
introduction of an internal department. (c) People that are motivated to
perform at peak proficiency, immediately and continually. (d) People that
are not "ON THE CLOCK" and are paid for only what they produce -
eliminating costly down time. (e) Expenses directly related to
productivity and chargeable directly to specific problems, costs, or
incidents.(e) You control the money, not the insurance
a simple choice when keeping cost to a minimum: Consider the technological
approach with ICC, THE experts in Administrative Claims.
is pleased to announce our State-Of-The-Art programs in Third Party
has taken on a more
conservative business philosophy.
believes the more you
educate employees about workers' compensation claims and injuries the less attorney
involvement. Some states have passed laws to simplify workers' compensation on scheduled
type injuries. This has had some effect in reducing moral and morale hazards, resulting in
lowering workers' compensation premiums for some employers. However, this has not gained
the confidence of the injured worker.
has helped companies save millions of dollars by providing
a simplified claims program so that the injured employee would understand
the workers' compensation claims process and to create a better relationship
between the injured worker and the employer.
programs are designed to educate the injured worker, which would again eliminate the moral
and morale hazards - reducing undue legal and medical costs to the employer.
was founded on the philosophy after working for major
insurance companies that injured workers did not understand the workers' compensation
process. This lack of knowledge promoted attorney involvement, thus creating higher
settlement costs which a greater portion went to legal fees and medical providers rather
than the injured worker. Under our administrative program, the injured worker is able to
settle his/her claim timely and place more money in his/her pocket, rather
than in the pockets of the legal and
medical medical profession . This resulted
in direct savings to the self- insured
ICC handles all areas of your administrative needs, not just workers
compensation. We provide services in medical billing, medical audits,
property & casualty claims,
product liability claims, risk management, safety inspection, business
interruption as well as health/medical benefits under the ERISA Act. These benefits are paid for health related sickness, injuries,
illness, and accidents that are separate from workers' compensation injuries.
Our subrogation department has been very successful in the subrogation of costs paid
out in workers' compensation claims and health benefits paid to the injured worker when a
third party is responsible for the injuries.
Under the Federal ERISA Act state laws regarding subrogation rights are preempted by
the ERISA Act, allowing the self insured to recover 100% of their subrogation claims.
With the ICC
initiate a savings for your company.
The services that ICC
comprehensive and affordable for the self insured.
When injuries occur, ICC is at the
accident site to perform a thorough investigation of an injury, whether it is in the work
force or outside the work force - involving and automobile accident.
As your administrator, ICC
pays for claim related to the injury or sickness and only what the claim is worth
MORE NO LESS.
your company knows what they are paying for and why
Our investigation establishes the
1) Accident Reconstruction
We provide a comprehensive detailed reconstruction of the accident. This includes
introductions, summaries, conclusions, exhibits, photos, medical review, medical
illustration of injuries, medical records and notes, physicians notes, police reports,
photos of the damage, recorded statements, interviews, and scaled drawings.
2) Injury Reconstruction
In our Injury Reconstructions we prepare a comprehensive and detailed report. This
report will include introductions, summaries, conclusions, exhibits, appropriate photos of
where the injury took place, medical review, medical illustration of the injuries,
illustrations of the medical procedures, recorded statements, interviews, and scaled
3) Medical Review
Our Medical Reviews are professionally prepared and presented. Our
Medical Reviews take the complicated language of the medical profession and
make it understandable for insurance companies, courts, arbitrators,
mediators and employees. We incorporate medical illustrations and photos of
the injury and of the medical procedures. These medical reports explain in
detail what happened to cause the injury, what the injury consisted of, what
is currently happening with the injury, the medical procedures for the
injury, and the future problems with the injury. We also delve into the
considerations of pre-existing conditions, aggravation of pre-existing
conditions, and activation of pre-existing conditions.
takes your investment seriously, in handling claims as a Third Party
more and more payment sources in the insurance industry becoming
increasingly highly regulated, insurance providers in workers'
compensation and, personal injury protection are increasingly
pressured to shift medical cost to health- care providers. This
Cost shifting has cost health-care providers( including the US
Government) billions of dollars each year on medical expense that
should have been paid under the workers compensation or auto
Subrogation and Arbitration
ICC provides services in Subrogation and prepare arbitration arguments to be heard
by inter-arbitration insurance panels.
Subrogation under ERISA
ICC provides services to Self-Insurers under the ERISA act who are
entitled to subrogate their loss against a third party tort feasor.
6) Expert Testimony and Expert Witness
When you use our services, we will provide you the option of using our Expert
Testimony and our Expert Witnesses.
ICC provides a Loss Control and
Safety program that is designed to reduce the frequency and severity of accidents in the
work force. Our programs go beyond OSHA and ADA requirements in that our programs are
designed to save the company money by reducing injuries in the work force.
Our programs specifically deals with:
in OSHA and ADA requirements,
in the work place.
ICC is exceptionally proud of our 5
minutes exercise program that is designed to be a pre-work stretching program that has
shown to reduce the possibility of injuries in the work force.
WHO DO WE PROVIDE THIRD PARTY ADMINISTRATIVE
Manufactures ¨ Airlines Automobile Manufactures ¨ General
Manufactures Governmental Agencies ¨Transportation Companies ¨
Restaurants ¨Meat Packers Hospitals ¨Health Care
Providers Construction Industry Foundries Security Firms
Hotels/Motels Light Industry Small Business
Wholesalers Trucking Companies ¨
ICC also provides Risk Management and Safety
IF YOU ARE CONCERNED ABOUT SAVING
MONEY IT IS IMPORTANT THAT YOU CONTACT THE EXPERTS AT ICC FOR YOUR THIRD
PARTY ADMINISTRATION NEEDS.
TAKE A LOOK AT OUR OTHER SERVICES . . .