There’s very little publicly-accessible data about who reports work comp claims, via what channel. We just finished up a brief project for a client interested in comparing their data to national benchmarks, and we found precious little data on the topic. It may be out there, but it sure is hard to find…
We know the sooner claims are reported the better; there’s some good research out there altho arguably the best – the Hartford study – is dated. There is more info about the impact of delays in reporting on ultimate claim costs, which is certainly critical, but that’s “outcome” information. What we don’t know is the “process” information – which helps payers understand where they stand and what they can and need to do to improve.
Payers need to know when and who and via what channel claims are reported, by type of payers, states, industries, employer sizes, class codes – if they want to set goals, figure out where to put their efforts, who to target.
In general, we learned that the vast majority of claims are reported by employers via phone. Whilst many payers have web- or email-based reporting capabilities, these are rarely used. Some have developed smartphone-based reporting, but with a couple exceptions (very large self-insured employers) very few claims come in via this channel.
What does this mean for you?
Should we do a Survey of Work Comp Claim Reporting? I’m thinking this may be worthy of study; perhaps HSA should develop and conduct a quick study to gather some baseline intel on the current state of the industry.
If this makes sense to you, please say so in the comment section.