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Early Reporting

SECTION 3

6 This is intended as a general description of certain types of managed care services available to qualifed customers through Zurich Services Corporation,

an individual member company of Zurich in North America. Zurich Services Corporation does not guarantee a particular outcome, reduction in costs or improvement in administration and further assumes no liability in connection with the providing of these services. ©2011 Zurich Services Corporation

Zurich

1400 American Lane, Schaumburg, Illinois 60196-1056 800 382 2150 www.zurichna.com

Claim costs for injuries reported more than two weeks late can increase as much as 35 percent or more. According to the Workers Compensation Research Institute, claims reporting between 3 and 7 days after the injury are 46% higher than those reported by day 2. Late reporting also results in a large increase in attorney and chiropractic involvement.

Reporting workers’ compensation claims within three days of an incident can help to:

• Reduce medical costs

• Reduce lost-tme

• Reduce litigation costs

• Reduce indemnity payments

Additional Reading

• Nine reasons for promptly reporting workers’ compensation claims

A review of almost 60,000 workers’ compensation claims reported to Zurich Services over a four and a half year period identifed a signifcant cost savings between when a claim was reported and an increased average cost per claim for certain types of injuries. The average cost of a strain injury alone can increase by over 15 percent if not reported within the frst three days following an incident and an additional 20 percent if not reported within the frst week.