Workers' Compensation

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Optimize Your Workers’ Compensation Management

Experience at Work

At Montage, we understand the critical importance of actively managing your company’s Workers’ Compensation claims to control costs and protect your bottom line. We are dedicated to offering dynamic claims management and unparalleled service. Our approach involves partnering with loss control and safety experts to develop a customized program that aligns with your company’s specific needs and cost-saving objectives.

We have crafted highly effective incentive programs aimed at reducing and maintaining a low experience modification rate. Our commitment to your employees' safety extends beyond standard carrier resources.

As active members, and often founders, of our clients’ dedicated risk and safety teams, we bring comprehensive solutions to the table.

Our services include regular safety communications, training sessions, and engagement programs designed to foster a culture of safety awareness within your organization. Through our monthly or quarterly claims management reviews, we assist in overseeing your claims, developing modified duty programs, and facilitating the prompt return of employees to work.

Our expertise spans across managing employee benefits, FMLA, legal compliance, EPLI, and Workers’ Compensation. This broad perspective enables us to offer a holistic approach to employee management, ensuring both efficiency and compliance.

Workers' Compensation Services

Streamline Your Claims Process

Montage is dedicated to simplifying the complexities of claims management for your company. Our role as a liaison between you and your insurance carrier is designed to ensure seamless and effective handling of all claims.

Our services include comprehensive claims review, detailed analysis, and the implementation of customized trending strategies. These are aimed at proactively managing claims through targeted incentive programs. With decades of experience in claims management, we bring a depth of knowledge and expertise that is unparalleled in the industry.

We provide claim-specific reviews and updates, tailored to the nature and severity of each claim. Our approach is dynamic, ensuring that you receive the information and support you need when it matters most. Additionally, a dedicated Claims Manager is always available to address your queries and concerns, offering personalized assistance at every step.

We also manage the critical task of certificate of insurance management, ensuring that your documentation is always up to date and compliant. With Montage, you can be confident that your claims management is in capable hands.

Optimize Your Insurance Costs

At Montage, we offer a specialized Unit Statistical Review service, focused on optimizing your Experience Modification (Ex Mod) rate. This service includes:

  • Projected Experience Modification: We provide an accurate projection of your Ex Mod rate, enabling you to anticipate and plan for future premium costs.
  • Personalized Claims Review: Our team conducts a thorough review of all claims, analyzing their impact on your Ex Mod. This personalized approach ensures that you understand the specific factors influencing your rate.
  • Loss Run Analysis: We delve into your loss run data, extracting key insights and trends that can inform better risk management strategies.
  • Action Plan for Ex Mod Reduction: Based on our analyses, we develop a targeted plan of action to assist your company in effectively reducing your Ex Mod. This plan is tailored to your unique risk profile and business needs, aiming to mitigate risks and lower insurance costs.

Partner with Montage for a comprehensive approach to managing your Experience Modification rate, enhancing your company’s risk management and cost-saving strategies.

Elevate Workplace Safety and Compliance

Montage offers a meticulously designed Injury and Illness Prevention Program to enhance workplace safety and compliance. Our service includes:

  • Customized IIPP Binders: We provide tailor-made IIPP binders for each site, ensuring all essential safety information is organized and easily accessible.
  • Essential Documentation: The binders include crucial forms such as claims forms/DWC-1, safety training sign-in sheets, safety flyers, and specific clinic information for each site.
  • Carrier and Company Protocol Guidance: We incorporate detailed instructions on how to file a claim with your carrier, alongside your company’s safety protocols.
  • Clinic Coordination: We facilitate on-site meetings with clinic doctors to review and align on your company's protocols, ensuring seamless management of your claims.
  • OSHA-Ready Resource: The binder serves as a comprehensive resource, encompassing all your policies in a concise format that meets both California and Federal OSHA standards.
  • Expert Support During OSHA Visits: In the event of an OSHA site visit, our Loss Control Expert is available to provide assistance and guidance as needed.

With Montage's IIPP solutions, you can ensure your workplace is not only safer but also fully compliant with regulatory standards.

Expert Carrier Audits and Site Reviews

Montage is committed to providing exceptional on-site support for carrier audits and site reviews. Our expert team is available to manage these critical processes at your location, ensuring every aspect is handled with precision and professionalism.

Our service includes:

  • On-Site Management: We offer hands-on management of site reviews, ensuring that all carrier updates are efficiently and accurately implemented.
  • Audit Assistance: Our team assists in overseeing the audit process, focusing on verifying that your employees are classified correctly under the proper class codes.
  • Satisfaction and Compliance: We work diligently to ensure that every detail of the audit aligns with your specifications and meets all regulatory standards, guaranteeing your complete satisfaction.

With Montage, you can be confident that your carrier audits and site reviews are conducted thoroughly, with an unwavering commitment to accuracy and compliance.

Customized Safety Solutions

Montage collaborates with seasoned experts to enhance your company's risk management and safety protocols. Our service is tailored to meet your specific training and safety needs, ensuring a safer and more compliant workplace.

Our comprehensive offerings include:

  • Targeted Training Identification: We work with experts to pinpoint areas where specific employee training is essential, such as forklift certification.
  • Regular Training Sessions: These specialized trainings are conducted quarterly or bi-annually, complementing our ongoing safety management services.
  • Detailed Risk Analysis: Our team conducts thorough inspections, providing you with an in-depth analysis of your company's safety needs. This includes photographic documentation of potential risks.
  • Comprehensive Safety Support: We offer hands-on assistance in managing hazardous materials, advising on office ergonomics, reviewing motor vehicle records for your drivers, and more.
  • Safety Assessments and Corporate Training: We conduct safety assessments at your corporate site and assist in establishing a Safety Committee, ensuring that safety protocols are integrated into your company culture.

With Montage, you gain a partner dedicated to elevating the safety and well-being of your workplace through expert-led training and risk management.

Sample Training Topics

  • Accident causes and prevention
  • Accident investigations and reporting-supervisors, managers or employees
  • Back Safety / Safe Lifting
  • Driving Safety
  • Emergency Preparedness, Evacuation Procedures and Drills / Fire Extinguisher Use
  • Electrical Safety
  • Ergonomics: training and awareness
  • Office Safety (General)
  • Housekeeping (General)
  • And many more

Contact us to have one of our representatives explain the types of trainings we can provide for your company.

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