Using Claims Services to Win and Retain Workers' Comp Business
The true value of a workers’ compensation provider is often only proven after an injury occurs. That’s where our claims services come in. Our effective, outcome-driven programs give you a powerful way to differentiate Westfield in the marketplace — helping you win new accounts, deepen client relationships, and retain business long after the policy is bound.
The Value of Effective Claims Management
Many workers’ compensation carriers offer additional programs, but not all claims services are created equal. Westfield’s robust suite of programs and services goes beyond processing claims — it’s designed to help employers:
- Manage claim costs
- Improve recovery outcomes for injured workers
- Reduce lost time and disruptions to the business
- Support safer, faster return to work
When positioned correctly, these services give you a way to move beyond a price-only discussion and into a value-based conversation focused on outcomes, efficiency, and long-term results.
Key Claims Services to Highlight With Your Customers
The following claims services give you practical, easy-to-explain examples of how Westfield supports employers and injured workers throughout the life cycle of a claim. Each one provides clear value points and potential cost savings you can bring into prospect and renewal conversations.
24/7 Nurse Triage Program
Our nurse triage program connects injured workers with skilled registered nurses who provide immediate guidance on the appropriate level of care — whether that’s self-treatment, a physician visit, or emergency care.
Proven impact:
- Fewer unnecessary emergency room visits, with approximately 45% of calls resulting in self-treatment.
- Average savings of $555 per claim for injuries managed through self-care.
WesWorks® Return-to-Work Program
Westfield’s return-to-work program provides off-site transitional work placements with local nonprofit organizations when on-site light-duty options aren’t available. This approach helps injured employees stay active, maintain a sense of purpose, and recover more effectively until they’re ready to return to their job.
Proven impact:
- Average savings of 35% on medical costs.
- 30% reduction in lost time days, equaling approximately $13,200 in savings (based on a $50,000 salary).
Physician Panel
We can help employers build a panel of medical professionals who understand workplace injuries and workers’ compensation requirements. These providers focus on effective treatment plans that support recovery and safe, timely returns to work.
Proven impact:
- Access to a nationwide network of more than 750,000 physicians.
- Treatment plans aligned with recovery goals and return-to-work objectives.
Note: Physician panel rules vary by state. Not all states permit employers to direct care or establish panels.
Pharmacy Benefit Management
Westfield’s pharmacy benefit program helps injured workers access the medications they need while promoting affordable, appropriate drug therapies.
Proven impact:
- Potential savings of up to $0.23 for every $1 billed.
- Improved access to medications through a network of more than 60,000 retail pharmacies.
- Safer medication use that supports recovery and reduces opioid risk.
Turning Claims Services Into a Sales Advantage
For agents serving small business, middle market, agribusiness, and monoline workers’ compensation accounts, claims services can be the difference between competing on price and winning on value.
Our claims services help transform a policy into a well-rounded, compelling solution built to perform when it matters most. By leading with this, you help customers see the long-term value of choosing Westfield as their workers’ compensation provider.
That approach doesn’t just win business — it helps keep it.
Savings outlined in this article are based on average results of our programs from 2023-2024. Individual results will vary.