{"id":1474,"date":"2021-11-17T21:36:42","date_gmt":"2021-11-18T03:36:42","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=case_study&#038;p=1474"},"modified":"2022-01-18T08:59:38","modified_gmt":"2022-01-18T14:59:38","slug":"workers-compensation-consulting-shifts-claim-reserving-practices","status":"publish","type":"case_study","link":"https:\/\/www.bbrown.com\/us\/case-study\/workers-compensation-consulting-shifts-claim-reserving-practices\/","title":{"rendered":"Workers\u2019 Compensation Consulting Shifts Claim Reserving Practices"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/adeolu-eletu-unRkg2jH1j0-unsplash-scaled.jpg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Case Study<\/p>\n    <h1 class='text-white    '>\n      Workers\u2019 Compensation Consulting Shifts Claim Reserving Practices\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;791&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Request\n    <\/h2>\n\t\n  <\/div>[vc_column_text]<\/p>\n<h3>Resolve a number of open claims and reduce the amount of open reserves.<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-1&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column][vc_column_text]In 2020, a middle-market customer hired Brown &amp; Brown as its broker and asked our claims team to participate in the triannual claim reviews. The designated claims team from Brown &amp; Brown began the process by reviewing a selection of open workers\u2019 compensation claims through the carrier\u2019s online claim system. This integral part of the claim reviews process allowed the team to understand the claims and confirm or develop an aggressive action plan to bring those claims to resolution. In addition, all claim payments and reserving practices were reviewed. As part of the first claim review, 15 claims were evaluated with total open reserves of $763,046.<\/p>\n<p>The carrier\u2019s online claim system presented challenges. In many cases, the insufficient volume or details in the claim notes meant the Brown &amp; Brown team could not fully evaluate the claim exposure. Examples of this included:<\/p>\n<ul>\n<li>Limited to no medical documentation of the claimant\u2019s ongoing medical treatment or recovery plan<\/li>\n<li>Limited to no legal documentation of litigation activity<\/li>\n<li>Limited detail on the medical bills paid (only total dollars paid and date of service available)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221; css=&#8221;.vc_custom_1638896243466{background-color: #eaeaec !important;}&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;794&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Solution\n    <\/h2>\n\t\n  <\/div>[vc_column_text]<\/p>\n<h3>Dedicated Claims team performed thorough reviews &amp; developed aggressive action plan.<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-1&#8243; full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1638896256859{background-color: #eaeaec !important;}&#8221;][vc_column][vc_column_text]To assist in these evaluations, the carrier provided claim status reports which contributed additional details the carrier believed to be important to the claims.<\/p>\n<p>During Brown &amp; Brown\u2019s claim review, the team found that 13 of the 15 claims being evaluated had significant reserving issues. Based on these findings, the carrier agreed to $64,746 in reserve reductions. Beyond those immediate reductions, the carrier also agreed to review the claims for an additional $391,643 in various reserves for accuracy and further reduction.<\/p>\n<p>The Brown &amp; Brown claims team\u2019s efforts in reviewing the claim activity and reserving lead to the carrier reassigning the open inventory to a new claims adjuster, who would be able to more effectively meet the service expectations of the customer and execute the process using industry best practices.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;792&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Results\n    <\/h2>\n\t\n  <\/div>[vc_column_text]<\/p>\n<h3>Closed 5 claims within 4 months and reduced reserves by over 50%.<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-2&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_column_text]After four months, our team completed a second claims review. Through the solutions our team administered during the prior claims review, the open claim count was reduced to 10 claims, and the total open reserves also dropped by $412,666 to $350,380.<\/p>\n<p>After the first claim review with Brown &amp; Brown, the Chief Financial Officer (CFO) commented that they had previously attempted to address what they felt was excessive reserving with their previous broker without any success. The CFO was impressed with the effectiveness and speed of the process that Brown &amp; Brown achieved in a short timespan. The company was left in a stronger position once claims were reduced from 15 to 10 and reserves were decreased from $763,056 to $350,380.[\/vc_column_text][vc_single_image image=&#8221;1423&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; link=&#8221;https:\/\/www.bbrown.com\/wp-content\/uploads\/2022\/01\/Case-Study-%E2%80%93-Workers-Compensation-Claim-Reserving-%E2%80%93-Brown-Brown.pdf&#8221;][\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100% content-heading--ruled '>\n    <p class='text-brand-blue subheading'>Ready to help minimize your risk and uncertainty?<\/p>\n    <h2 class='text-brand-dark-blue   text-bold h2'>\n      Contact us for more information.\n    <\/h2>\n\t\n  <\/div>\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='\/us\/contact' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Contact Us<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<span style=\"font-weight: bold; font-style: italic; font-size: 10.0pt; background: white;\">DISCLAIMER:<\/span><span style=\"font-style: italic; font-size: 11.0pt; background: white;\">\u00a0<\/span><span style=\"font-style: italic; font-size: 9.0pt; background: white;\">Brown &amp; Brown, Inc. and all its affiliates, do not provide legal, regulatory or tax guidance, or advice. If legal advice counsel or representation is needed, the services of a legal professional should be sought. The information in this document is intended to provide a general overview of the topics and services contained herein. Brown &amp; Brown, Inc. and all its affiliates, make no representation or warranty as to the accuracy or completeness of the document and undertakes no obligation to update or revise the document based upon new information or future changes.<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;791&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_column_text] Resolve a number of open claims and reduce the amount of open reserves. [\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-1&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column][vc_column_text]In 2020, a [&hellip;]<\/p>\n","protected":false},"author":66,"featured_media":509,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"service":[11],"industry":[42],"location":[17],"class_list":["post-1474","case_study","type-case_study","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Workers\u2019 Compensation Consulting Shifts Claim Reserving Practices - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/us\/case-study\/workers-compensation-consulting-shifts-claim-reserving-practices\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Workers\u2019 Compensation Consulting Shifts Claim Reserving Practices\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;791&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_column_text] Resolve a number of open claims and reduce the amount of open reserves. 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