Policyholder Services

What does Workers’ Compensation insurance cover?

Ophthalmologists traditionally have better than average workers’ compensation claims experience, but it doesn’t take many claims to significantly affect your practice’s bottom line.

What claims are covered?
The policy provides comprehensive coverage to pay the medical and disability expenses of your injured employees. This coverage also protects you against lawsuits resulting from your employees’ injuries.

What loss prevention services are offered?
The carriers’ loss control specialists review ophthalmic practice loss trends for program participants and propose corrective action.

How do the carriers root out insurance fraud?
The carriers have developed programs to deter, detect and prosecute workers’ compensation claims fraud. Local claims professionals can train you to identify potentially fraudulent claims from your employees. If a claim warrants further investigation, the carrier will perform a special investigation. If there is probable cause, the case will be turned over to the appropriate law enforcement agency.

How are claims handled?
The carriers’ nationwide networks of experienced claims professionals will provide you with prompt claims service.

How is litigation managed?
With this program you have a powerful defense against the cost of workers’ compensation litigation through the carriers’ emphasis on prevention, sensitive claims handling and in-house legal case management.

What payment options are available?
You can choose from a number of convenient payment plans, all available with no interest charges.

To help you manage the risks associated with employee work-related injuries, OMIC has arranged access to The Hartford, one of the nation’s leading providers of workers’ compensation insurance.

While OMIC does not provide this coverage directly, The Hartford’s program provides unparalleled service and protection at affordable rates with comprehensive coverage, effective cost containment services, efficient claims handling, convenient claims reporting and claims management, and flexible payment plans.

The Workers’ Compensation Insurance Program for Ophthalmologists may not be available in all states. Coverage options may vary from state to state.

Contact the program representative, Dana Pollard Carulli, at NAS Insurance Services (877) 808-6277 (or dpollard@nasinsurance.com) for information about the competitive pricing for the limits and coverage that are appropriate for your practice.