CHSI - Commitment. Honesty. Service. Innovation.

Our Services

• Self-Insured Group Design & Management
• Employer Dividend & Expense Control Programs
• Risk Management Information Technology
• Expert Safety & Loss Control Services
• Claim/Litigation/Outcome Management and Audits
• Underwriting and Rate Plan Development

 

Self-Insured Group Design & Management

Our programs are built specifically around your company and industry by professionals who are experienced with managing risk for Fortune 500 companies.

CHSI Experienced Professionals:

• Help identify and qualify candidates who will serve as the core group for the formation of a new program.
• Clarify the deliberation process for core members with a complete analysis of rewards and risks of a program.
• Know there are different businesses and different needs. That means there are different ways to build a self-insured group program. We assess the real needs of interested employers to create a unique program design that fulfills those needs.
• Have an excellent reputation with regulators in different states. This leads to an efficient approval process for new programs.
• Prepare comprehensive feasibility studies that are used as the backbone of regulatory submissions and encompasses all issues of concern to core members.
• Prepare an underwriting plan and rate proposal that fully consults member needs while it lays the foundation for a successful program.
• Find service partners for the group that will give core members maximum choice and security in their decision-making process

Employer Dividend & Expense Control Programs

If knowledge is money, it is important to learn more about risk and how your company can benefit with CHSI.

CHSI:

• Programs are designed to deliver Workers’ Compensation benefits at cost so that every possible dollar can be returned to member employers.
  • Examples:
    • The CHSI managed Nevada Restaurant Self-Insured Group has returned substantial dividends to its members for every possible year since its inception in 1996.*
    • The first dividend for the California Restaurant Mutual Benefit Corporation, launched on 1/1/2005, was $7.1 million.*
• Develops and manages captive insurance programs for multiple forms of risk that give employers the opportunity to predict and control costs and that create the possibility of recovering funds. The CHSI Captive Management Division is headed by Ted Hall, a nationally recognized authority and author of teaching manuals on captive insurance.
• Works with the boards of its self-insured groups to bring in outside claims professionals to manage claims and control costs, and deploys its own “best in industry” claims professionals to oversee those operations and get claims closed.
• Creates programs where individual employers within the group are able to get more – or less – in dividends because of their individual experience. Many dividend and rebate programs in insurance and self-insurance (when they exist) base their returns on the aggregate experience of the program.
• Calculates an experience modification factor for each employer member so there is individual accountability and the employer has the ability to lower future month-to-month costs for coverage, by taking advantage of the cost control services provided by CHSI. The formula developed by CHSI is designed to support the operational priorities of self-insured groups.

* Past performance does not dictate future performance of the SIGs or Groups.

Risk Management Information Technology

The most advanced technology available in the industry, giving clients quick access to more information about their account than is available in other programs.

CHSI Computerized Risk Management System (CRMS):

• Gives clients instant access to everything they need on their account with secure online login, including real-time detailed activity information on their Workers’ Compensation claims.
• Can be completely customized to match the needs of any client and program.
• Has an online toolbox that clients can access for immediate problem-solving and long-term planning.
• Is backed by a team of technology development experts who are continuously adding greater functionality to the CRMS, anticipating program evolution and responding to client needs so that the system is always at the leading edge.
• Provides comprehensive technical support for any alternative risk financing operation.

Expert Safety & Loss Control Services

Isn't it time your company was rewarded for doing the right thing?

CHSI Safety & Loss Control Experts:

• Design safety support programs for employers that make a true contribution to successful operations. Too often safety programs are focused purely on compliance with regulations. Effective safety programs are integrated with operations to make them better. The human factor is always the biggest factor.
• Provide safety support that focuses on what is important – reducing loss costs (the costs of claims) through prevention and control.
• Developed The Snapshot – a report for employers that gives them a true picture of their environment and enables them to focus on the key issues.
• Develop customized on-site training from scratch to meet special employer needs.
• Make immediate post-accident support available to employers to assist in the capture of critical information and to develop effective follow-up.
• Assist employers in the development of their written safety program.
• Screen group applicants to assure their eligibility from a risk control perspective.
• Provide full support to employer members on OSHA inspections and other actions. Our Risk Control team maintains a close working relationship with OSHA. Our credibility with OSHA Safety Consultation and Training (SCATs) and enforcement divisions gives employers an edge in the effective resolution of issues.

Claim/Litigation/Outcome Management and Audits

Reduced costs, positive employee outcomes, closed claims – CHSI delivers the value employers need in Workers' Compensation.

CHSI Managed Programs:

• Get claims closed. Our objective is to close claims with positive employee outcomes and controlled costs.
• Support the client to resolution on any claim issue with individual service from a "best in industry" professional.
• Provide clients with tools for claims management – training, best practices implementation, rapid support, and real-time claims data access.
• Set firm protocols on claims management and enforces them with the claims administrator.
• Develop real partnerships with health care providers to enable them to partner with employers and employees for better claims outcomes and controlled costs.
• Provide complete claims file audits to ensure continuous effectiveness.
• Work strategically with legal counsel, both internal and external, on aggressive employer defense of litigated claims. Employer members are always consulted and engaged in the decision process.

Underwriting and Rate Plan Development

If you could predict the future, what would you see?

The CHSI Underwriting Team:

• Builds programs by understanding the companies involved, their industries, and the real exposures that exist. Often underwriting is perceived as a mechanical process, but in fact it is an art. The development of an underwriting plan must include a real understanding of the risk involved. Successful programs are built on the foundation of superior underwriting.
• Understands that the long-term security and success of self-insured groups depends, in part, on the successful selection of applicants. The CHSI underwriting team prepares guidelines that serve as the foundation of our programs and work with the Board of Trustees to ensure the quality of group membership.
• Maintains a close working relationship with its outside professional actuaries so that rate plans provide both member benefits and long-term security for the group programs.
• Creates credibility with excess insurance carriers so that CHSI programs are able to take advantage of the best available rates and coverage. Statutory coverage that protects groups against all costs of catastrophic claims once the Self-Insured Retention limit has been met.