Claims Services Philosophy

Claims Services

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A Relationship You Can Depend On!

"For many years, I have had the pleasure of working with HWCF, representing their fund members in matters of workers' compensation. I have also had the opportunity to similarly work for several other providers of workers' compensation coverage. I have found HWCF to be a unique company, truly concerned for the well being of their fund members, while striving to balance a positive outcome with what is fair and just under the system. The dedication and hard work of the experienced individuals handling claims for HWCF shows through in their efforts on behalf of the many entities they cover. As a defense attorney, it is a pleasure having HWCF as a partner in the process of defending workers' compensation claims, with such a partnership leading to the best possible result for the fund members."

Michael J. Cohan, Attorney At Law
Webster, Henry, Lyons, White, Bradwell & Black, P.C.

Claims Services Philosophy

HWCF’s philosophy of claims management has had a favorable impact on claim experience. This philosophy encompasses the following practices:
  • Early and thorough investigation of reported claims
  • Consistent claims handling in strict compliance with the Alabama Workers’ Compensation Statute and applicable State law
  • Team approach to claims management which includes an experienced claims staff, informed HWCF members, professional medical case managers, reputable surveillance investigators, expert vocational counselors, and quality defense attorneys
  • Proactive management of medical costs
  • Advocate for appropriate, medically related care for injured workers
  • Prompt action in getting employees back to work as quickly as possible
  • Demonstrated ability to assess case value, evaluate legal environment, and negotiate favorable settlements
  • Successful involvement in the mediation process
  • Aggressive defense of lawsuits
  • Manageable adjuster caseloads
  • Readily available claims data to help manage your risks and control costs
  • Resource to Fund members through personal contact, individual assistance and educational programs/materials

HWCF's philosophy is to provide excellent service to our Members by servicing our accounts locally and by our investment in personnel, training, and support systems.

Our goal for the future is continued success in providing top notch service to our members, to be an industry leader in servicing workers’ compensation claims, and to be your partner of choice. Please feel free to contact us if you need assistance.