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Claims
Claims Reporting & Management
Lovell's Claims Department has earned a reputation for fair, fast, and thorough claims handling. Prompt reporting by the employer of all work–related accidents and occupational illnesses is essential. Early intervention following an employee injury or occupational disease is key to Lovell's successful claims management and reduction of workers' compensation costs.
The quickest way to report a claim is to fill out our online Form C–2, accessible to current safety group members by password.
Another option is to prepare hard copy and mail or fax it to our offices. (For blank copies of Form C–2, please call our Claims Department at 212–709–8600.)
Keep in mind that New York State Workers' Compensation Law requires an employer to file a First Report of Injury, Form C–2, within 10 days of a reportable incident.
Our Claims Department provides immediate service whenever a claim is filed. The Early Intervention Program coordinates medical care so that employee treatment is appropriate, timely, and cost–effective. Additionally, our claims examiners and case managers constantly strive to develop new techniques and programs that minimize employee lost work–time and ensure both employer and employee satisfaction.
On acceptance into any of Lovell's safety groups, a company is given a copy of our Claims Procedure Manual, and their designated staff member is instructed on the proper method for filing workers' compensation claims. Sometimes it is better for an employer to assume payment of minor medical bills, in order to minimize the effect of multiple small claims on the company's experience rating. Our expert claims professionals provide a full explanation on the benefits and implementation of this practice.
The Lovell Claims Department also investigates an injured employee's pre–existing medical condition and, where appropriate, applies for determination of reduced liability. In the event that an employee is resistant to early intervention initiatives and appears reluctant to return to work, our staff focuses on providing a strong defense position at hearings and settlement negotiations. We also challenge any excessive treatment proposed by medical providers. If contested claims are brought to a hearing at the Workers' Compensation Board, our representative monitors selected hearings and directs the carrier on continued litigation.