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Workers' Compensation Services  

Baylor Associates provides your company complete workers' compensation services.

Claims Management that is Goal Oriented

Our goal is to reduce claim costs through hands-on management techniques beginning with the initiation of the claim. Your claims team will help you develop an efficient claims reporting procedure where needed. Claims are reviewed for completeness and in accordance with the requirements of the State Agency with your business philosophy and best interest in mind. We formulate aggressive action plans for each new claim in order to reduce costs and return employees to work.

We work closely with your Managed Care Organization to develop a program of medical control to reduce injuries, insure a high quality of medical treatment for injured employees, provide prompt and complete medical reports necessary to determine compensability, and expedite their return to work.

As part of our aggressive claim management goals, we pursue any and all cost relief provisions in order to minimize claims costs included in the state fund rate experience or recover costs paid by the self-insured employer. This includes the pursuit of subrogation, handicap reimbursement, rehabilitation recoveries, service connected injury offset, proportionate charging of cost to appropriate claims, claim settlement and excess insurance reimbursement, when self-insured.

Actuarial Analysis                                                                                              Return to Top

Our actuarial specialists examine a company's current and previous years claim experience to verify the adjusted annual rates, review the reserves assigned to open and pending claims, verify the correct charging of awards and medical expenses to the experience and request corrections.

Our goal is to assist you in obtaining the lowest rate possible. We will make every attempt to place your company in the best group rating plan available. If the amount of claims costs within the experience does not allow for group rating, we will examine the possibilities of alternative rating plans for rate reduction, and will assist you in arranging program participation.

Underwriting Confirmation                                                                                          Return to Top

We review clients' operations to ensure that manual classifications are equitably assigned and payroll is distributed correctly among them. When appropriate we apply for reclassifications, corrections of over-reporting and premium refunds.

Management Reports                                                                                                    Return to Top

Baylor Associates utilizes the latest electronic technology, resulting in quick and accurate data processing and information. We provide timely and important articles and bulletins that keep you informed of changes in workers' compensation and unemployment  rules and laws and their impact upon your business. We develop manuals and procedures consistent with your image and work style.