Claims Management

Claims Management

PERMA has a team of claims professionals dedicated to resolving disputes and coverage questions. We also have a separate claims unit that specializes in managing claims programs for your self-insurance, captive or risk-pooling mechanism.

  • Claims Program Design: A claims program is only as good as its administrative procedures. We are skilled at managing the details. This includes: establishing reporting procedures, fraud prevention, medical management, legal assignments, data and banking arrangements as well as audit requirements.
  • Provider Selection: Selecting a provider is a crucial step. PERMA is experienced in conducting pre-selection audits and evaluating proposals. We have also developed special procedures to evaluate managed care organizations.
  • Claims Oversight: An often overlooked area is the need for an independent unit to oversee the claims adjusters and other claims providers. PERMA can either assist you establish this oversight or provide this service on an ongoing basis.
  • Audit and Reserve Analysis: Our objective is to work with claims providers to improve their effectiveness.  We use a standardized scoring system to track relative performance over time.  Unlike many of our competitors, we are not associated with a TPA and claims organizations do not view us as a threat.
  • Workers Compensation Control: PERMA is especially effective in returning injured employees to work. Our approach emphasizes coordination between adjusters and the medical, legal and safety professionals required to control claims and prevent fraud.