Auditing and monitoring system for workers' compensation claims

• US 20010044735A1
• Filed: 04/27/2001
• Published: 11/22/2001
• Est. Priority Date: 04/27/2000
• Status: Abandoned Application

• Current Assignee: Employers Comp Advocate LLC
• Original Assignee: Employers Comp Advocate LLC
• Inventors: Loverde, Anne L., Haron, Pamela, Colburn, Harry S.
• Application Number:
  US09/844,102
• Publication Number:
  US 20010044735A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/04 Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem" market predictions or forecasting for commercial activities G06Q30/0202
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system for optimizing a workers'"'"' compensation claims management process, which contains files relating to a workers'"'"' compensation claim of an injured individual is disclosed. The current workers'"'"' compensation claims management process is reviewed to determine if best practices are being followed. If the best practices are not being followed, the system implements them. The system further monitors the amended workers'"'"' compensation claims management process to determine if the best practices are being followed; and, will closely monitoring specific cases within the workers'"'"' compensation claims management process to determine if the best practices are not being followed.

Claims

1. A method of optimizing a workers'"'"' compensation claims management process, which contains files relating to a workers'"'"' compensation claim of an injured or ill individual comprising the steps of:

reviewing the workers'"'"' compensation claims management process to determine if best practices are being followed; and

amending the workers'"'"' compensation claims management process by implementing the best practices into the workers'"'"' compensation claims management process.

2. The method of

claim 1

further including the steps of:

monitoring the amended workers'"'"' compensation claims management process to determine if the best practices are being followed; and

closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed.

3. The method of

claim 1

wherein the best practices are selected from the group consisting of:

within 14 days of a claim initiation determine whether a first payment should be made from the evidence in the file, determine whether there is a thorough knowledge and thought process with respect to file notes and an action plan with the file, ordering of a report which would give information if the employee has ever filed a workers'"'"' compensation claim within the United States in the past within 48 hours of the date of a report of an accident, set within 5 days from the date of accident the initial reserve, the file is maintained in a neat chronological order, the file contains all pertinent documentation, report must include all known facts, within 45 days from the date of the accident the reserves must be reviewed and adjusted based upon additional known facts, at the time of the review of the file the reserves should reflect an expected value based on the known facts or combinations thereof.

4. The method of

claim 1

wherein the best practices are selected from the group consisting of:

reserve changes must be properly documented within the file and reserve history, reserve changes must be explained in detail to provide an accurate timely basis of value, reserves must not deviate more than 10% of the reserve value at 12 months, a complete reserve analysis worksheet must be part of the computer file notes and paper file or combinations thereof.

5. The method of

claim 1

wherein the best practices are selected from the group consisting of:

determining whether a report is properly housed and noted within a computer file, determining whether medical information is updated within 30 days, determining if any adjustment to a treatment plan must demonstrates a strong evaluation of the medical information including follow-up with the medical personnel and employer and employee, timely re-contacting of the employee employer and medical provider, timely exploration of light duty return to work must be properly documented, the timely development and execution of a return to work plan is performed and properly documented, timely and appropriate assignment of light duty work, or combinations thereof.

6. A method of optimizing a workers'"'"' compensation claims management process, which contains files relating to a workers'"'"' compensation claim of an injured individual comprising the steps of:

conducting a three point interview within 72 hours of an injury;

determining whether a claim and is classified as a high risk; and

monitoring a claim at periodic intervals.

7. The method of

claim 6

wherein determining whether a claim is classified as high risk includes asking an injured employee a plurality of questions.

8. The method of

claim 6

wherein determining whether a claim is classified as high risk includes asking an employer a plurality of questions.

9. The method of

claim 6

wherein determining whether a claim is classified as high risk includes asking a medical professional treating the injured employee a plurality of questions.

10. The method of

claim 7

wherein the plurality of questions are selected from the group consisting of:

education level;

job title;

job description;

date of injury;

date reported to supervisor/employers;

ask questions about the incident that caused the injury;

what happened, when, how, where;

anyone else involved;

anyone witness the incident;

describe your injury;

do you think you could have prevented the incident from happening;

what medical treatment did you receive, by who, when;

when is your next appointment;

do you have any physical restrictions;

are you currently taking any type of medication, if yes, what;

did you ever have any problems with your body part before, if yes—

try to find out what, how, when;

have you ever had any other work related injuries;

how are you feeling now;

are you comfortable with your primary medical provider;

do you have any allergies;

have you ever had any surgeries, serious illness, what, when, why;

do you consider yourself to be normally healthy;

how are your eating habits;

do you have any hobbies;

what do you do for recreation;

do you smoke, how long, how much;

do you drink, how much;

do you get along well with the people at work;

are you looking forward to returning to work;

do you have any questions or concerns regarding your claim, or combinations thereof.

11. The method of

claim 8

wherein the plurality of questions are selected from the group consisting of:

what is name of person you are talking with, date and time;

employees name, date of hire;

job title;

job description, including responsibilities and physical requirements;

home address, telephone number;

description of injury, was employee sent directly to primary medical provider, If yes who;

results of primary medical provider'"'"'s evaluation, diagnosis, restrictions, if known, treatment plan, prognosis, Is employee currently back to work, what job;

If employee is not working, why not, restrictions unable to be met;

what type of employee has he been during the past;

attitude/relationship with supervisor, management, co-workers, attendance pattern;

any recent disciplinary problems, If yes, what; and

combinations thereof.

12. The method of

claim 9

wherein the plurality of questions are selected from the group consisting of:

when did you first see employee, diagnosis, prognosis, what is your current treatment plan for employee, when did you last see employee, considering the description of the accident/incident, do you believe the medical condition is the result of the incident, or combinations thereof.

13. The method of

claim 7

further including the steps of:

implementing best practices into the workers'"'"' compensation claims management process;

monitoring the amended workers compensation claims management process to determine if the best practices are being followed; and

closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed.

14. The method of

claim 10

further including the steps of:

implementing best practices into the workers'"'"' compensation claims management process;

monitoring the amended workers compensation claims management process to determine if the best practices are being followed; and

closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed.

15. The method of

claim 7

further comprising the step of closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed if the claim is classified as a high risk.

16. The method of

claim 10

further comprising the step of closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed if the claim is classified as a high risk.

17. The method of

claim 11

further comprising the step of closely monitoring a specific case within the workers'"'"' compensation claims management process to determine if the best practices are not being followed if the claim is classified as a high risk.