Given the nature of workers' compensation and P&C claims, it is critically important that clients know the experience level and capabilities of their service provider. Our licensed multi-line adjusters have a minimum of 10 years experience and in several cases over 20 years experience. We also have an in house General Adjuster, as well as bi-lingual adjusters, providing our clients additional capabilities.

At EMI, we believe a proactive approach is an important part of delivering the intended results to our clients. That is our mission. Handling over 4,000 workers' compensation and P&C claims annually, our team manages every phase of the claims administration process. With a maximum lost-time caseload of 150 files per adjuster and a target of 125, EMI is able to provide aggressive claims management services that are second to none. Experienced adjusters review claim files frequently during the month to ensure the best possible outcome. Additionally, EMI's Claims Committee reviews all complex cases, including mediations and proposed settlements.

Beginning with a notice of injury, which EMI can accept through our toll-free line, electronically or via fax, adjusters begin actively working each claim and make initial contact with the claimant within 24 hours. EMI's adjusters perform their own field adjusting and attend all depositions, mediations, hearings and trials, where reasonably possible.

Adjusters work closely with assigned attorneys to develop the appropriate strategy and to control legal costs. Litigation is part of the workers' compensation and P&C landscape, and your service provider must have a strong litigation management process in place in order to control these costs. At EMI, subrogation is not an after-thought. Our adjusters review the facts and circumstances of each case for possible subrogation. EMI prepares all necessary documentation, subrogates against the adverse party and vigorously pursues collections. Litigation and subrogation are both a core part of our claims administration services.

To ensure the appropriate level of expertise, EMI also utilizes outside vendors for services such as legal, surveillance, physical damage appraisals, hospital bill audits and outside case management. We have access to several vendors of such services, and make assignments based on the specific facts and circumstances of each individual case.

Reserves are established based on factors such as the type of injury, claimant age/status, medical treatment, community, etc. The standard life expectancy charts are also utilized in Permanent Total cases or for use in preparing settlement reports. Our adjusters review reserve adequacy frequently and make adjustments as deemed necessary. An outside actuary familiar with our claims process is also available to analyze and calculate Incurred But Not Reported ("IBNR") reserves, if required by the client. EMI also has other industry-accepted formulas that can be utilized internally. We do, however, strongly encourage periodic review by an outside actuary to ensure that adequate claim reserves are established and maintained by our clients.

EMI encourages frequent communication and close coordination with our clients, including direct contact with our adjusters. On at least a quarterly basis, adjusters assigned to your account will meet with you in a more formal setting to discuss your claims and any settlement authority requests. We also assign emergency contacts that are available via cell phone or beeper to ensure that urgent needs are addressed in a timely manner.

If needed, EMI will handle all aspects of policy administration, including policy issuance, endorsements, renewals and terminations. Premium billing and collection services are also offered.

EMI has incorporated internal policy and procedures for our claims administration. These procedures provide a uniform process throughout our claims department for all adjusters. This program enables our client to feel comfortable in knowing that our procedures are uniform regardless of who handles their claims.

Examples of these policies include:
• Claim Processing
• Initial and Continuing Contact
• Investigations
• Indemnity Benefit Payments
• File Documentation
• Medical Treatment and Control
• Medical Cost Containment
• Disability management
• Individual Case Reserves
• Litigation Management
• Settlements
• Potential Recoveries