Central Insurance Companies

How to Save Money on Gas During a Road Trip!

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As we approach the end to summer, and back to school is on the horizon, we are embarking on our final vacations for the season. This year, road trips have become very popular due to the current circumstances. For tips on road tripping during a pandemic, click here to read my previous post. This blog, however, includes tips and tricks on how to save money on gas during a road trip.

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The Nurse Hotline: The First Step in a Work Injury Claim

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Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is a process that is followed, and filing a Workers’ Compensation claim is typically an early part of that process.

There are companies that have unique medical management programs to deliver services to insurance carriers. Central Insurance, for example, partners with a company to offer its policyholders a useful service called the Nurse Hotline.

The Nurse Hotline is a modern solution to the first report of a work-related injury, providing telephonic nurse triage for all workplace injuries. This allows for claims to be opened within minutes of their occurrence and injured workers to be immediately directed to the appropriate medical facility for their treatment. Additional benefits of this program include:

  • 24/7 access to medical advice from Registered Nurses (RNs) for workplace accidents.
  • Reduced time that employees are out of work.
  • Reduced claim costs with urgent care facilities being utilized in lieu of emergency rooms.
  • More appropriate treatment due to home care recommendations.

Here are some FAQs about the Nurse Hotline Program:

So how does this program work?

When a workplace injury occurs, the injured worker and their supervisor call the designated nurse hotline number to report the claim and they are immediately connected to an RN. The RN will direct the injured worker to the appropriate medical facility should additional medical treatment be needed.  Additionally, the RN will provide the medical facility with the injured worker’s paperwork as they anticipate the patient’s arrival. As always, should this be a life-threatening injury, 911 should be contacted directly.

Who should talk to the nurse?

If at all possible, the nurse will need to speak directly with the employee who has sustained an injury. As part of the medical triage process, the nurse will be asking personal, medically-directed questions including past medical history, any current medical problems and medications, allergies, and the patient’s perception of their own symptoms.

What if the employee has sustained a serious injury?

This service is designed to assist with injuries that are not life, limb, or eyesight threatening. If the employee has a serious injury that requires Emergency Medical Services, then 911 or local EMS number should be called.

What do the RNs do?

The RNs assist injured employees in determining a recommended course of action for appropriate care and ensure the earliest intervention possible for return-to-work initiatives. This professional nurse hotline service provides answers asked by injured employees, guiding them on appropriate levels of care for their medical issues.

What type of nurses will be answering the phone?

The Nurse Hotline is staffed by experienced, registered nurses. The nurses have additional training to answer calls specifically related to injuries incurred in the workplace.

Will they have enough nurses to answer all our calls?

Yes, of course! The call center strives for an average speed of answer of 30 seconds or less. If there is a hold time it will be a very rare occurrence.

What languages are available through the Nurse Hotline?

Spanish is available 24 hours a day. If the Spanish speaking RNs are on other calls, the language line will be used. In addition, the language line is available for any other language, at any time.

How long will the call take?

The average call time is approximately 18 minutes, but each call is unique to the situation. While the nurses are trained in the management of the call process, their priority is to provide all information necessary to the employee to fully understand the recommended course of action and/or the instructions on self-care.

What if the injured worker is a minor?  

The nurse will ask if a parent or guardian is available to be included in the call. If the parent or guardian is not available, the nurse will continue the triage process.  

Can the employee call the nurse back if they have additional questions or symptoms?

Yes. This is encouraged. Many times, a patient will have a question after they followed the nurse’s recommen­dation and/or before the first visit with an approved panel physician. During the triage process, the nurse will ask permission from the employee to call back, as necessary, and gather appropriate contact information. For all urgent, emergent, and self-care calls where a change in condition is expected, the nurse will attempt to complete a callback.

Will the nurse complete a Report of Injury?

Yes, the nurse will obtain the necessary information to complete an Injury Report. Following the call, this injury report will be sent to the dedicated distribution log.

Should the supervisor call the Nurse Hotline and report the injury, if the injured employee does not want to call?

Yes. Again, calling the Nurse Hotline is the method used by the employer to report work-related injuries to the Workers’ Com­pensation administrator. While it is not necessary to talk to a nurse, a claim can still be reported to a First Report of Injury Customer Services Representative. The supervisor should provide information that is available.

Contacting the Nurse Hotline is the preferred method for an employer and an injured worker to report a workplace injury. This service is available 24 hours a day, 7 days a week, and 365 days per year and will save valuable time and money to the injured worker and the insured. Contact your independent agent to see if your Workers’ Compensation policy includes a Nurse Hotline service!

Managing Claims is Easy with myCentral®

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Insurance is such an oddity; people pay premiums in exchange for a promise of help if something goes wrong. Everyone hopes to never test that promise, but let’s face it – bad things happen. When something bad does happen, myCentral is available to Central policyholders 24/7 to ease the journey.

Reporting a claim is easy! You’re guided through the process. A series of choices are provided, such as selecting the policy involved and providing the date the loss occurred. Information that Central already has in their systems is pre-populated to save you time, and you can easily add new information. We solicit only enough information to start the claim, and clearly indicate whether the information is required. You may choose to submit your claim by phone, and we display your insurance agent’s number and Central’s for easy, one-touch calling.

Once you submit a claim, myCentral becomes a valuable tool for managing that claim. You can view the status of the claim, find contact information for your claim representative, and review payment details. If you used any of the Roadside Assistance services, details about that are also included in this section.

In our Message Center, you can opt-in to receive important text messages related to your claim.

Most customers are not claims experts, so our Claims FAQ page provides answers to common coverage questions that relate to personal auto policies.

Of course, you can access myCentral on your computer, tablet, or phone. The myCentral mobile app is available for download on the iTunes store or on Google Play.

If you have any questions, please feel free to contact our Technology Support department at 800-786-4628 or click the “Need Help?” link in the upper right-hand corner of your myCentral account screen. If you don’t have a myCentral account, click here to get started!

Copyright © 2020 Central Mutual Insurance Company. All rights reserved.

 

Save Money with Auto Premium Discounts

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Many of us are well aware that owning a car can be expensive (especially a new car)! According to a AAA study, the average cost of owning and operating a new car was $773.50 a month in 2019. Expenses like fuel, maintenance, and insurance can add up. The average cost of car insurance (including collision, comprehensive and liability) was $1,062 per year in 2016, according to a National Association of Insurance Commissioners’ report. While you can’t control every expense associated with owning a car, you can take advantage of  discounts to help lower your auto insurance premium.

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Wet Drowning vs. Dry Drowning vs. Secondary Drowning: Know the Signs

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On a hot, summer day, nothing sounds better than hopping in a cool pool, lake, river, or ocean. However, if you have kids age 14 or under, time by or in the water might cause you a bit of anxiety or fear. We have all heard about different cases of a child drowning on the news or social media. It’s a scary thing, but we can help prevent it.

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Reopening Your Business During COVID-19

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The last four months have been some of the most taxing and pressurized months I have seen in my 35 years calling on business owners. It’s hard enough to start a business and keep it up and running, but add COVID-19 to the mix, and it has made it almost impossible.

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Stay Cool During Summer Heat!

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It sure does feel like July outside! With temperatures nearing or exceeding 90 degrees Fahrenheit (32 degrees Celsius) for large portions of the country, sometimes, managing to stay cool only means being in the water or inside in the AC. Where there are high temperatures and humidity, heat management is of utmost importance.

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Cracking the Code on Commercial Umbrellas

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Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations that include:

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5 Tips for Road Tripping During a Pandemic

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Many of us look forward to summer all year. Hot, sunny weather, hanging out by the pool/pond, campfires at night, and maybe even going with friends or family on vacation! But this summer will be much different considering we are in the midst of a global pandemic.

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