Specialized claims services for workers' compensation
We understand that employees are a company’s greatest asset. That’s why, when a workers’ compensation claim occurs, our dedicated claims team offers deep expertise in claims handling and convenient claims reporting options for your customers. Our goal is to ensure employees receive the care they need and enable them to return to work.
Experts at the ready
Our dedicated team is committed to helping your customers navigate the claims process with a focus on returning employees to work, safely. Our team stays up to date on claims trends to drive knowledge and insights. We use technology and analytical tools to support our understanding of claims severity, detect and model fraud potential and identify opportunities for subrogation—all aimed at optimizing loss costs and providing a positive claims experience. Our claims team features
Expert claims adjusters
Our team of adjusters exclusively handle workers’ compensation claims to work towards the best outcome for customers with:
- Triage process for claims based on complexity, partnering with policyholders to drive positive outcomes
- Adjusters assigned with state-specific knowledge and expertise
- Major case unit assigned for complex claims
Nurse case managers
Getting the right care at the right time for injured workers is a top priority. That’s why we have a team of nurse case managers who can:
- Assist injured employees in obtaining proper medical treatment and attention
- Facilitate partnership between employee, employer, and medical professionals
Return to work services
A team of nurses works with employers, employees and medical professionals to align work opportunities to injury limitations, ensuring smooth back-to-work transition.
Cost savings programs
We offer a wide array of valuable cost containment programs to support your customers when they experience a claim including:
Medical bill review
Expert medical bill review program uses robust claim data coupled with sophisticated rules-based technology to review every medical bill accurately and efficiently. We ensure reimbursement is only for treatment that is reasonable and related, while maximizing all cost containment reductions.
Preferred provider networks
Access to more than 700,000 in-network providers and medical equipment suppliers in all 50 states to help control the overall cost of claims.
Through our focus on claims outcomes, we offer Outcomes Focused Networks, specialty networks and ancillary services all through our strategic network partners.
Help your customers quickly and easily find a preferred provider in their state:
Our Pharmacy Benefit Management program ensures employees receive appropriate medication at contracted rates without any out-of-pocket expenses. With options for convenient mail order delivery, filling a prescription is convenient for employees.
Workers’ compensation specific formularies and opioid dispensing controls guarantees employees receive the appropriate medications to treat their work-related injury.
Learn more about our First Fill program.
Value of Hanover workers' compensation
Hanover workers' compensation policyholders benefit from a proven track record of fast, easy claims resolution.
of employees are returned to work within the first 60 days of their claim
average reduction on medical bills when reviewed
in-network pharmacies nationally
Stats courtesy Hanover claims
Nurse Triage 24
Our Nurse Triage 24 (NT24) program provides employees on the job access to registered nurses 24/7 who can provide quick actionable and expert advice in the event of a workplace injury. At the time of injury, they are able to triage medical symptoms over the phone—a service we automatically include for all Hanover workers' compensation policyholders.
Report a claim
If your customer participates in our Nurse Triage 24 program, claims will be made directly through their contact to Nurse Triage 24, eliminating the need to file a first report. Learn more about how to report a claim and access workers' compensation claims kits.
All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates (“The Hanover”). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. (For more information visit www.hanover.com.)