Claims

From first report through the return to work process and management of any controverted claim, we help control workers compensation costs and improve outcomes for injured workers. We are always developing new programs that make an impact both short- and long-term, and we invite you to learn more about our claim management program.

 

 

 

Injury Management

 

A.I.M. Mutual is committed to the care and recovery of workers injured on the job. We have been nationally recognized for our medical initiatives and innovation in claims management.

If an employee has a work-related injury, provide first aid if appropriate. If medical attention is needed, refer the employee to an approved primary care or occupational health center in your state.

Our injury management program may also include a Nurse Case Manager or Patient Advocate assigned to the case, each well-versed in occupational health injuries. They work closely with our claim adjusters and regional claim specialists, who keep in close contact with the employer and the injured worker throughout the course of the claim. The Patient Advocate facilitates care and helps the injured worker navigate the medical system, minimizing delays in treatment.

The A.I.M. Works Pharmacy Management program through ExpressScripts helps to manage medications and the associated costs. Employees can find their nearest affiliated pharmacy online and should bring their Temporary Prescription ID card with them.

 

 

 

Return to Work Program

 

A.I.M. Mutual's Stay at Work/Return to WorkTM Program is customized for each employer. Its goal is to bring the injured worker back to work as soon as he or she is physically able, even if the job is modified or a completely different job. Our data show employees recover faster when they’re back on the job while receiving treatment rather than staying at home.

Our claim adjusters and regional claim staff can help employers develop their own modified duty assignments and program.

 

 

 

 

Catastrophic Claims

 

Thankfully, workers’ compensation claims that are considered catastrophic aren’t the norm. But when they happen, the situation is often chaotic and overwhelming. We know employers are looking for help right away. And the help needs to be highly specialized, prioritized and expedited.

That’s what A.I.M. Mutual’s Catastrophic Injury Response team—our CAT Team—does. Our designated personnel are trained to assist employers under the most difficult of circumstances. We also have a Trauma Response partner who offers counseling and support services to co-workers who may have witnessed the accident.

Our heightened response makes all the difference in the aftermath of plant explosions, horrific falls, workplace violence and other traumatic events.

CAT services are often taken for granted until employers have that critical need. We take pride in being the only carrier with a trauma team and regional claim staff on call. They are onsite quickly, joined by other members of the CAT team as needed.