1. Workers Compensation Forum Working with Your Insurer

2. Session Outline Role of the Insurer Liability Decisions Premium Cost Drivers Communication Strategies

3. Role of the Insurer 7 claims agents 3 point contact Provisional liability Claim estimates Approve services & authorise payments Safe, durable, speedy RTW Injury Management Plan Regular contact

4. Liability Decisions A no fault system –Worker –Injury –Work related –Aggravation of pre-existing condition –Journey & recess claims

5. Liability Decisions Initial notification WorkCover medical certificate Claim forms Information provided during 3 point contact Legislation & WorkCover guidelines Responsibility of all parties to provide accurate information

6. Industry Performance - Employment Injuries NSW Average –Incidence rate – 14 per 1000 workers –Frequency rate – 8.5 per million hours worked Community Services –Incidence rate – 18.7 –Frequency rate – 13.3 Incidence, frequency, time lost greater than NSW average but cost of claims less.

7. How is My Premium Calculated? WC premium based on risk Industry – 3.184% (non-residential care services) Size/wages Claims DDL, GST Total premium – adjustment & renewal

8. What Impacts Claims Costs Claims costs are impacted by: Number of claims Severity of injury Time off work RTW outcomes & duration Disputes OHS & RTW practices impact/drive premium

9. Communication Strategies Know your insurer and their services Case Management Model Eg QBE Connect Who is my case manager? How do I contact them? Initial contact process – online reporting Issue resolution & escalation Provide all relevant information Trust their judgement Be involved

10. Communication Strategies What additional services does my insurer provide? @QBEConnect online claims analysis tool National training calendar Risk management services Account management Self insurance

11. What Is Our Common Goal? A FIT & HEALTHY WORKER