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Are Fraudulent Work Comp Claims Harming Your Business?

If you want to REMOVE Attorneys from the CLAIM process, you are not alone.

FRAUDULENT WORK COMP Claims

EXAGGERATED WORK COMP Claims

WRONGFUL TERMINATION Claims

DISCRIMINATION Claims

HARASSMENT Claims

WAGE & HOUR Claims / PAGA Claims

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Knauf Maxwell Insurance Services offers an option to employers that Eliminates Attorney Representation.

Previously only large employers had access to this type of program:

Vons
Safeway
Cities and Counties including City of San Francisco & City of Los Angeles
Fire Departments and Policy Departments

This Program is one of only 162 entities and municipalities granted special “carve-out” by the State of California to resolve disputes directly with employees outside of the WCAB (Workers’ Compensation Appeals Board.

Knauf Maxwell Insurance represents the ONLY entity with the ability to extend this “carveout” program to other qualifying California businesses.

This “carve-out” allows the program to use ADR (Alternative Dispute Resolution) to resolve disputes directly with employees and avoid attorneys. Disputes include Work Comp Claims, Wrongful Termination Claims, Discrimination Claims, Wage & Hour Claims, and PAGA Claims.

Results are:

Disputes / WC Claims are closed without involvement of attorneys

Estimated 20% savings on Work Comp Rates & Premiums

Two Year Rates Guarantee on Work Comp Rates

Program Statistics (Work Comp Claims, Wrongful Termination Claims, Discrimination Claims, Wage & Hour Claims, and PAGA Claims):

90% of claims are resolved internally
9.6% of claims are resolved at mediation
0.4% of claims ever reach arbitration
0.0% of claims go to litigation

Employees become members of The PACT Trade Association, unlocking the best benefits in the industry.

In addition to passing along savings to our employer customers, the program also reinvests a percentage of every payroll dollar worked into a benefits fund managed by The PACT Trade Association, a 501c5, exclusively focused on developing and administering new benefits to our growing 10,000+ member population.

Unique Bonuses for Employees Paid By The PACT (NO COST TO EMPLOYER)

100 Day Bonus
Safety Bonus
Loyalty Bonus
Holiday Bonus
Contribution to Retirement Plan

Healthcare Paid By The PACT (NO COST TO EMPLOYER)

Free Life Insurance
Free MEC Healthcare Plan
Discounted Medical, Dental & Vision Plans

Training Paid By The PACT (NO COST TO EMPLOYER)

Forklift
English as a Second Language (ESL)
Microsoft Office (Word, Excel & PowerPoint)
Food Handler
Soft Skills (Improve Communication Skills)

Safety Paid By The PACT (NO COST TO EMPLOYER)

Free PPE Disbursement (Personal Protective Equipment)

Program Employer Qualifications & Eligible Industries:

1. Workers’ Compensation Current Premium $75,000 and up

2. Explain how past claims were inflated by attorney involvement

3. California based company (out of state employees can be covered)

4. Target Industries:
• Manufacturing, Industrial, Warehouse • Restaurant, Bakery
• Contractors – Framing, Drywall, Carpenters, etc.
• Trucking / Drivers / Last Mile Delivery
• Furniture Movers
• Landscaping
• Janitorial Services
• Temporary Employment Agency
• Others Not Listed – Call us to inquire

5. Work Comp Experience Modifications of 150% and higher fit the program

Frequently Asked Questions

Q: How could you ever eliminate attorneys from a Work Comp or EPLI Claim?

A: When employees join the Trade Association Program, they agree to settle disputes without attorney representation and Mandatory Arbitration is the process.

90% of claims are resolved internally, 9.6% of claims resolved at mediation, .4% are reached at arbitration and 0% go to litigation.

Q: This sounds too good to be true. What is the catch?

A: The employees join The PACT Trade Association and this allows claims to be settled using an alternative system that the traditional Work Comp Claim System.

There is no catch. The company is only one of 162 entities and municipalities granted special exemption from the traditional Work Comp Claim System and the only insurance company able to extend this “carve-out” to qualifying employers. This means an employee claiming a work comp injury ‘CANNOT’ be represented by an attorney, and the claim is settled internally and uses mediation and arbitration if needed.

Q: We changed before and the next year the rates went way up again. Will this happen if I go with this program?

A: There is a 2-year rate guarantee when you go with this program. The company has not increased rates for ANY client in 7 straight years. With other clients initially, the rates and premium for Work Comp were reduced by about 20%.

Q: Does an injured employee suffer/get shortchanged in the process?

A: Absolutely not, the employees receive 100% of what they’re entitled to under the Workers’ Compensation Benefit Laws of the State of Calif.(or the state they work). This system eliminates lawyer manipulation and gives employees the right to a fair discussion directly with the insurance company representative on the treatment of the injury.

Q: Are there any other benefits to the Employer from the program

A: Yes, the Mandatory Arbitration will apply to any Employee Practice Liability claim against the employer, including wrongful termination, discrimination, wage & hour, and PAGA. Again, attorneys cannot file a lawsuit on behalf of the employee in a claim, if the employee does not agree with an offer it goes to mediation and arbitration if needed. 0% are litigated.

Q: Does the employee have to agree to go with this different program?

A: Yes, each employee signs a document agreeing to enter this program. There has not been a situation yet where all employees did not sign off to enter this program. There is a representative on site when this program is introduced and any questions from employees are fully answered.

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