These alternatives to workers' compensation, or "Options" provide:

  • Acceptance by medical providers who do not accept workers' compensation
  • An easy way to provide increased benefit levels to the injured associate, especially the paycheck-to-paycheck worker
  • Enhanced ability to confirm the injury occurred at the workplace
  • More flexibility to implement readily accepted medical management techniques that are commonly used in Group Health
  • Ability to focus treatments on those that are proven
  • Insurance is available without collateral requirements
  • Ability to settle claims
  • Significant savings, even with increased benefits
  • High levels of employee satisfaction with meaningful increases in employee benefits
  • Not a permanent decision - can return to workers' compensation at any time
  • Competitive insurance markets and third party administrator participation
  • Offers a high Return-on-Investment!

Employee Case Study

A 55 year- old maintenance worker sustained an ankle fracture when he fell 12 feet from a ladder.  He was transported to an ER and underwent surgery before the employer and third party claims administrator knew about the claim.  Once on notice, the employer attempted to move his care to a board certified orthopedic surgeon specializing in the ankle and foot.  The treating doctor threw up every possible roadblock to delay the transfer of care, including calling the board certified physician advising him not to take over care.  The physician would not release him.  Fortunately (which is odd to say), this claimant had an attorney.  After the employer explained the concern, the claimant’s attorney agreed a transfer was in the employee’s best interest.  The best medical provider took over the care and the employee had a successful outcome.  In this example, the claimant also received a settlement negotiated between the claimant’s attorney and defense counsel.  While it was a terrible injury, this quote from the claimant’s attorney speaks volumes for the care and treatment received, even under adversarial circumstances:

“I recently had a case with an employer whose Occupational Injury Benefit Program was designed, implemented and overseen by PartnerSource.  My client sustained a significant and permanent injury to his ankle after a fall and was unable to return to the job he had done for over 30 years.  For almost two years, the employer went above and beyond in paying for my client’s medical care with top of the line medical providers.  Throughout his recovery, the employer paid my client much better wages than he would have received under workers’ compensation.  Once my client had been released from care, we were able to resolve his permanent damages through settlement without having to file suit.  I’m not a salesman for this insurance Product- obviously I’m on the other side of the equation.  However, I think this particular situation was a testament to good lawyers trusting each other and an employer client that wanted to do the right thing.”