Workers' Compensation

Since 1989, Bolton & Company has represented the California Association of Independent Schools (CAIS) Workers’ Compensation program. This program is underwritten by Oak River Insurance Company, an A++ company, a member of the Berkshire Hathaway Homestate Companies.

The CAIS Workers’ Compensation Insurance Program has provided participating member schools with stability in a challenging marketplace, along with superior loss control and claims management.

Bolton is pleased to announce that for the July 1, 2005 program renewal, we are offering not only a competitively priced program, but one which will also provide qualifying schools with:

	A three year rate with a maximum annual rate adjustment of plus/minus 3%, subject to regulatory approval;
	A dual dividend program that can return as much as 8% annually, subject to the claims experience of the program, as well an additional 4% of the three year earned premium, subject to the experience of both the program and the individual school.

You Can Apply Online!

Fill out your Workers' Compensation Primary Application right from your computer.
You can also apply online using the CAIS School Program Supplemental Application.

Contact: Cheryl McDowell, ARM, CISR
Account Executive Private School Practice Group
626-535-1428 direct line
626-583-2117 fax
cmcdowell@boltonco.com

Medical Provider Network (MPN)

Managing workers' compensation requires a specialized and focused approach to difficult and rapidly changing issues such as increased litigation and escalating medical costs. Effective January 1, 2005 the State of California in-acted SB899 as a measure to control these costs. A key component to this bill was designed to make the most significant impact on medical cost containment by introducing the Medical Provider Network (MPN). Oak River/Berkshire Hathaway Homestate Companies has contracted with the Blue Cross of California PPO Network for their MPN.

To find a provider click here: http://www.bclhwcmcs.com/ProviderFinder.htm

For an MPN Overview, to locate an Industrial clinic, download Covered Employee Notification of Rights Materials or get facts about Personal Physician Predesignation visit
http://www.bh-hc.com/files/Cypress-MPNOverview-EmployersGuide.pdf

Our program offers the following specialized services:

Managed Care

	Injured workers are steered to efficient and cost effective medical providers who specialize in workers compensation injuries.
	Proactive case management including peer review physicians and nurse case manager involvement in utilization review to ensure appropriate treatment and faster return to work.
	Medical bill review to reduce overcharging and miscoding by medical providers
	Alliance with PPOs to reduce expenses below state mandated fee schedules

Claims

	Experienced claims staff specialized in handling workers compensation claims
	Aggressive claims investigations
	Prompt and effective communication with the insured
	Lower claim load per specialist
	Early return to work programs
	Toll free telephonic claims reporting available 24 hours a day, 7 days per week

Fraudulent Claims Unit

	Investigates and aggressively defends fraudulent claims on behalf of the insured
	Works in conjunction with the local District Attorney’s offices and Department of Insurance to obtain convictions
	Offers $1,000 rewards for information leading to a criminal fraud conviction

Toll free hotline 1-800-300-JAIL to report fraudulent claims.

Safety/Loss Control

	Injury prevention programs
	Aggressive, responsive loss control
	Vast educational resource center with video tapes in Spanish and English