Claims and Medical Management

When an injury occurs, you want an expert handling your workers’ compensation claim. At United Heartland, we are specialists in workers’ compensation insurance with a history built upon claims excellence. Our highly experienced team uses innovative claim management strategies to achieve maximum medical improvement for injured workers while lowering your cost of risk. As a result, our overall average claims costs are 24% below the industry average.1

Utilizing a fully-integrated claims management approach, we focus on quality outcomes, medical management, expense management and customer experience.

Quality Outcomes

We aggressively investigate every claim, including those that are medical-only, and pursue comprehensive early return-to-work on all indemnity cases. Our nurse case managers are assigned to every claims team and collaborate with our claims professionals to ensure a healthy return-to-work and recovery for your injured workers.

Medical Management

We return your workers to health and to work quickly using Care Analytics®, our award-winning patented platform combining:

  • Data analysis
  • Best practices in evidence-based medicine
  • Effective partnerships with experienced occupational physicians

This cutting-edge technology identifies the most experienced medical resources to treat your injured workers, resulting in reduced treatment durations and costs.

Expense Management

Enlisting tight management controls for litigation and vendor expenses, we frequently use the expertise of our in-house legal counsel, nurse case managers and fraud investigative services, which means increased cost savings for you.

Customer Experience

Averaging lower caseloads than our industry peers, our highly-trained and knowledgeable workers’ compensation claims professionals provide personalized attention to every claim and use a high-touch service model to deliver on our promises.

1 Accident year data from 2013-2017 (excluding medical only loss amounts) and 2013-2017 industry data from NCCI, WCIRB (CA), NYIRB and NJCIRB.

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