Workers’ CompensationVIC and SA Statutory Schemes

Gallagher Bassett’s first objective and that of the workers’ compensation authorities is a reduction in the number of workplace injuries within the respective Schemes. By assisting employers with occupational health and safety (OHS) compliance issues and a range of prevention strategies we are able to target the frequency of workplace related injuries.

Our Model

Gallagher Bassett delivers improved workers’ compensation services utilising the principles of early intervention and cost effective claims resolution to deliver superior outcomes. We pride ourselves on the proactive investigation and management of claims.

In simple terms, our model can besummarised as:

“EARLY EVERYTHING”

Early identification

Early notification

Early streaming

Early intervention

Early payments

Early return to work

We achieve this through early intervention and taking a proactive role in the identification and analysis of incidents that have the potential to lead to expensive and protracted claims.

Gallagher Bassett’s proven claimsmanagement strategies include:

• early identification and deployment of the most appropriate medical management plan.

• improved, sustained return to work (RTW) outcomes.

• reducing the life of the claim, by more frequent interventions and review of entitlements.

• “Stopping” the claims drift”. This includes tighter and more productive management of service providers, to ensure the spend represents value for money.

• proactive communication with stakeholders resulting in more informed workers with a greater sense of buy-in and employers who are better positioned to provide sustainable RTW options.

Our emphasis is on proactive claims management and early intervention and includes a proven streaming protocol which ensures a consistently high level of customer service.

Early Streaming

Gallagher Bassett’s approach ensures the early intervention of case managers through contact with the injured worker, employer and the treating practitioner within 48 hours.

The intervention process provides for the collection of information, which is critical to the effective management of the claim. Information collected, as part of the initial assessment, will include:

• stakeholder contact details including treating doctor

• date and mechanism of injury

• diagnosis and prognosis

• capacity to RTW and expected RTW date

• the most appropriate treatment place

• availability of suitable duties

• behavioural indicators

• barriers to RTW

• wage details and payment methods

• knowledge in respect to roles, rights and obligations.

This critical step ensures that the stakeholders are aware of their obligations as well as enlisting them in the claims management process. “Setting the scene” and the consistent understanding of the expected outcomes is a critical foundation in achieving those outcomes.

Gallagher Bassett understands that effective communication between all parties is integral to the development of successful working relationships and achieving the best claims outcomes for all stakeholders.

We will provide you with a single point of contact for all service matters, which will streamline the communication process and free up more of your time to focus on other aspects of your business.

Gallagher Bassett’s communication processes are aimed at ensuring ongoing consultation and that you are informed about issues affecting your business and your workers’ compensation obligations. They include:

Proactive Communication

• regular operational contact between key stakeholders

• contact a triage, initial intervention points and review stages throughout the life of the claim.

• regular File Reviews, ensuring proactive management occurs in every case

• newsletters and reports on topical issues affecting our clients

• timely reporting on major events or emerging issues that may impact on portfolio risk management.

This approach is based on open communication between all relevant stakeholders and providing every opportunity for our staff to meet providers, injured workers and employers on an ongoing basis.

Policy and Premium

Gallagher Bassett understands thatworkers’ compensation premiums can bea considerable expense for employers.Claim costs have a direct relationship toWorkCover premium calculations. In simpleterms, lower claims costs lead to lowerpremiums.

Gallagher Bassett assists employers byproviding strategies designed to reduce theirclaim costs, thereby reducing the WorkCoverpremium expense. Initiatives including theearly intervention of rehabilitative strategiesfollowing the receipt of a “time lost” claim,risk management services, early reportingprocesses and effective return to work areoffered to our clients.

If you are committed to preventing workplaceinjury and implementing early return towork strategies, Gallagher Bassett can helpyou achieve your goal to minimise yourpremiums.

The actual calculation of the WorkCoverpremium is an area which often interestsemployers. In cases where our clientsare not aware of the various componentsinvolved in the calculation or where theyhave questions concerning how theirpremium expense was arrived at, we areable to provide a detailed explanation of theworkings of the formula and “de-mystify” itsmethodology.

Upon transfer to Gallagher Bassett, wewill allocate one of our premium experts toconduct a complete review of your premiumand policy structure.

TrainingThe Gallagher Bassett Training Program involves a combination of courses which are presented by our staff as well as several which are resourced by external providers.

Topics covered in the program include:

• Return to Work Co-ordinator training

• OHS Legislative compliance

• claims management

• contractor safety

• premium / policy issues

Gallagher Bassett values employers’commitment to preventing workplaceinjuries. We are committed to assistingemployers not only manage their claimsbut also play a key role in the prevention ofworkplace injuries.

We are able to provide a range of OHSand risk management consultancy servicesthrough our in-house OHS team. Our staffcan design, coordinate and deliver a rangeof safety specific training programs as partof our Training Calendar or at the request ofemployers.

Our OHS services have been developedto assist organisations to comply with legalobligations by eliminating or reducing riskassociated with injury, illness and disease.

Some of the services we can provide are:

Occupational Health and Safety

• worksite assessments

• risk assessments

• gap analysis

• development of OHS policies and procedures

• development and monitoring of OHS management procedures

• training

Most courses are complimentary toGallagher Bassett clients. Tailored trainingsessions are also available. The currenttraining calendar is available on our website.

Australia’s largest TPA

A TPA is a Third Party Administrator ofinsurance claims. Gallagher Bassett isthe largest TPA in Australia, and the onlyorganisation that is an Agent in all threeStatutory Workers’ Compensation Schemes(VIC and SA).

As part of one of the largest TPAs in theworld, Gallagher Bassett wrote the book onThird Party Claims Administration. Throughour singular focus on claims management,Gallagher Bassett offers specialist claimsstaff, unique processes and powerfultechnology that deliver exceptional claimsoutcomes.

Benefits of the TPA approach include:

• faster, more focused claims management

• lower overheads and reduced cost

• immediate access to highly trained specialist claims administrators

With our TPA heritage, we are uniquelyplaced to provide tailored and innovativeclaims solutions to employers workers’compensation needs.

Customer service is the bedrock of ourapproach to claims management. Wemeasure our success by our clients’success: fewer claims, lower claim costs,more efficient claims administration andimproved customer experience.

Customer Service

Contact Us

Contact Us

Gallagher Bassett ServicesWorkers’ Compensation VIC Pty Ltd

Authorised Agent for the Victorian WorkCover Authority

Locked Bag 3570 GPOMelbourne VIC 3001

Telephone: (03) 9297 9000Facsimile: (03) 9297 9010

Email: wcv@gbtpa.com.au

Gallagher Bassett ServicesWorkers’ Compensation SA

Authorised Agent for the ReturnToWorkSA

Level 4, 25 Franklin StreetAdelaide SA 5000

Telephone: (08) 8177 8450Facsimile: (08) 8177 8451

Email: wcsa@gbtpa.com.au

www.gallagherbassett.com.au

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