Lovell’s Claims Department has earned a reputation for handling claims in an equitable, expeditious and thorough manner. Early intervention following an employee injury or illness is key to Lovell’s successful claims management and reduction of Workers’ Compensation costs. Thus, prompt reporting by the employer of all work-related accidents and occupational illnesses is essential.

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 offers innovative strategies aimed at providing immediate service whenever a claim is filed. Our Early Intervention Program coordinates medical care so that treatment received by an employee is appropriate, timely and cost-effective. Additionally, our claims adjusters and case managers are constantly working to develop and administer new techniques and programs that minimize employee lost work-time and ensure both employer and employee satisfaction.

Upon acceptance into any of Lovell’s Safety Groups, a company is furnished with 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 more advantageous 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.

Another valuable service provided by the Lovell Claims Department is investigation into injured employees’ pre-existing medical conditions and, where appropriate, application for second-injury funds to reduce eligible high-cost claims. 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, settlement negotiations and challenges to excessive treatment proposed by medical providers. Should contested claims be brought to the Workers’ Compensation Board for hearings, our representative monitors selected hearings and directs the carrier on continued litigation.

In order to acquire the highest Experience Rating credit for our Safety Group members, the Lovell Claims Department evaluates the carrier’s reserves of major lost-time cases prior to submission to the New York Compensation Insurance Rating Board and, if merited, negotiates with the carrier to reduce excessive reserves.