Certified Master of
Workers' Compensation
- Insurance Advisor -

Curriculum

Injury Management Core (required for Insurance Advisor, RTW, and Best In Class  Specialties)

Core Course 1: Step by Step to an Elite WC Program

The Step by Step Process to Create an Elite Workers’ Comp Program

Reducing workers’ compensation costs is an outcome, not a goal. The goal is to put a proper program into place, reducing claims and returning injured workers to work. Implementation of a workers’ compensation management program is most successful in four distinct steps completed in a specific sequence and timeframe.

This session will cover the step-by-step process for you to assess your program, identify gaps, and implement solutions that will lead to significant workers' compensation savings.

This session will cover:

- Identifying strengths and weaknesses of current injury management systems
- Creating a timetable for highest priority items
- Where to start first, and what to do next in work comp management reform
- Creating meaningful benchmarks and metrics to measure success
- Building a team and holding parties accountable throughout the project.

And more...

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Core Course 2: Communication Strategies

Highly Effective Workers’ Comp Communication Strategies: What To Say & How to Say It

Communication in workers' compensation is the single most important tactic to learn and master. Every single aspect of work comp management will be better or worse depending on the effectiveness of your communication.

This training session will learn to ...

- Follow a Proven Script with Injured Workers Before and After an Injury
- Leverage Your Claims Management Team to Create Multiple Touch Points
- Prove the Value of Communication to Senior Management and Clients
- Demonstrate Care Quickly and Inexpensively

And more…

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Core Course 3: Return to Work

The No Holds Barred Definitive Guide to Return to Work Best Practices

Return-to-work is a fundamental best practice in workers' compensation management. The effectiveness of your return to work program defines the success or failure of your injury management system.

This training will cover:

- Critical elements of a transitional duty policy to build a solid return to work foundation
- Key points to reducing lost work days
- Getting employees back to work that don't like their job
- The right way to deal with doctors that won't give work restrictions
- Identifying light duty jobs that are valuable to the company, even for high wage earning employees.
- Latest research and evidence supporting pain management and recovery

And more…

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Core Course 4: Injury Triage

How to Leverage Medical Expertise To Immediately Return 95% of Injured Employees to Work

The best in class standard for returning injured employees to work is 95% within 0-4 days. There are many factors that go into achieving this goal, however, leveraging medical expertise ranks high on the list of critical factors, and can be the difference between employees returning to work rapidly or potentially being out of work for an extended and often unnecessary period of time.

This session will cover:

- What is the first thing you do when an employee is injured?
- How to get your injured worker to the right level of medical treatment for every injury.
- How Injury Triage really works.
- How to set up the treating physician relationship and what medical information you need to obtain.
- When / if you talk to the injured worker, and what are you supposed to tell him?

And more…

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    Core Course: 5 Critical Metrics

    How to Measure Workers' Comp Success with 5 Critical Metrics

    5 Critical Metrics make management understand the value of workers’ compensation management. 5 Critical Metrics keep management committed over time. 5 Critical Metrics measure the success or failure of your workers’ compensation program.

    We will cover the calculation and application of 5 Critical Metrics to address:

    - Workers’ comp viewed as a cost of doing business
    - Getting management to understand the value of return to work
    - Convincing policyholders to embrace a worker recovery program
    - Lack of informed and effective employer involvement in WC claims issues
    - Stakeholder apathy
    - Managers and supervisors not taking seriously their duty to protect workers

    And more…

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      Core Course 6: Train Supervisors

      How to Train Supervisors to Become Workers’ Comp Advocates

      Supervisors are often the first to respond to an injury and are a critical component of successful workers' comp management. Those supervisors who are appropriately trained to become advocates are the catalyst to drive superior work comp claim outcomes.

      This session will cover:

      - Supervisor impact on claim outcome from Liberty Mutual Research Institute
      - Overcoming conflicting roles of supervisors
      - Specific tasks for supervisors to complete before and after injury
      - How to immediately set the proper tone for the claim
      - Bringing supervisors on board and rolling out training in your organization

      And more…

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        Core Course 7: Evidence-Based Medicine 

        How to Use Evidence-Based Medicine to Create Better Workers’ Comp Claim Outcomes

        A common fact often forgotten is workers’ compensation claims are medical injuries and medical expertise is needed to get the best claim results. The workload of the everyday adjuster is unrealistic to expect accurate and appropriate medical determinations. This session will go in-depth on how to leverage evidenced-based medicine guidelines to empower claims handlers and drive positive claim outcomes.

        This session will cover:

        - Integrating evidence-based medicine tools into your claims process
        - Avoiding excessive medical treatment and unregulated compound prescriptions
        - Getting appropriate treatment approved
        - Proper utilization of doctor questions to push for needed interventions
        - Proper utilization of IME questions to move the claim toward resolution
        - Inappropriate use of Utilization Review

        And more…

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          Insurance Advisor Specialty Courses 

          Specialty Course 1: Experience Mod

          How the Experience Modification Factor Affects Workers Comp Costs

          The experience modification factor is a snapshot assessment of risk for an insurance carrier. In guaranteed cost programs it is a primary factor in the pricing of workers' comp premiums, and this formula is key to understanding how injury management best practices result in lower costs. For high deductible and self-insured employers, the experience mod offers a simple benchmark which can be leveraged for greater program insight.

          In this training you will learn...

          - how to speak in simple language about the complex mod formula with clients or senior management
          - what elements of workers' comp claim costs actuaries view as most important
          - how changes in claim outcomes affect premium pricing
          - the simple formula to calculate your minimum experience mod
          - the impact of one claim on your experience rating

          And more...  

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            Specialty Course 2: Classify Employees 

            How to Properly Classify Employees to Pay the Least Workers’ Comp Premium

            The total cost of workers' compensation is calculated as Payroll x Class rate X Experience Mod x Adjustments = Premium + Losses (loss sensitive program). A strong system of injury prevention and management is the major determining factor of the variance in total workers’ compensation costs between similar employers, however, mistakes in employee classification mean the employer is paying more than necessary.

            This training session will cover:

            Examples of immediate financial impact of proper employee classification
            Common class code errors and opportunities
            How and where to find payroll deductions in your state
            The process to verify the accuracy of class codes in your organization
            The biggest mistake companies make
            Preparing for the workers' comp premium audit

            And more…  

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            Specialty Course 3: Audit

            How to Plan, Prepare, & Execute a Meaningful Work Comp Claim Audit

            You are likely sitting on a gold mine of data that can hold the secrets to dramatically reducing your workers' compensation costs and improving injured worker outcomes.  In this session you will learn from 22 years experience in planning, preparing, and executing meaningful workers' comp claim audits.

            This session will cover:

            - The biggest benefits to conducting a claim audit (hint: it's more than just the data)
            - Why most companies time their audits incorrectly, and how to do it right
            - The art of selecting which claims to audit
            - The 6 most important elements to review in each claim
            - Critical steps to take after completing the audit

            And more… 

             

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            Specialty Course 4: Insurance Structures

            How to Determine Which WC Insurance Structure is Right for You

            One of most fundamental definitions of insurance is 'the transfer of risk. ' While this definition is universally agreed upon, not one single structure of workers' compensation insurance is right for all companies to accomplish this task.

            Many factors go into the selection of the right insurance structure. This training will cover the various factors to consider, as well as the financial benefits of making the right decision.

            In this training you will learn to:

            - Determine Which Insurance Structure is Right For You (or your clients)
            - Accurately Pair Risk Tolerance with the Correct Insurance Structure
            - Define the Advantages & Disadvantages of Captive Models
            - Maximize the ROI of Workers' Comp Management Improvements

            And more...  

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            Step by Step to an Elite WC Program

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            Communication Strategies

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            Return to Work

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            Injury Triage

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            Critical Metrics

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            Train Supervisors

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            Evidence-Based Medicine

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            Experience Mod

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            Classify Employees

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            Audit

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