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There has never been a more exciting time to
partner with Safety National. For 75 years, we have
been an industry leader in high deductible workers’
compensation…and we’re just getting started.
We take our role as a market leader in the casualty
sector very seriously and are continually working to
develop new products and services to complement
our core products.
Rest assured, as we continue to grow, putting the
needs of our customers first is something that we
promise will never change.
75 years of...
Excess Workers’ Compensation • Deductible Casualty • Loss Portfolio Transfers • Treaty Reinsurance
reimbursement for other expenses such
as mileage or out of pocket medical
expenses), access to highly rated
physicians in the medical management
network, a complex pharmacy review
program, nurse triage, telephonic and
field nurse case management.
Delta also has removed a lot of the
insurance terminology and technical
terms that might otherwise be used
when speaking to employees about
benefits and how the process works.
The last thing an injured employee
needs when they’re injured or sick, said
Emerson, is to have to muddle through
a process that’s difficult to follow or
Emerson said she’s aware of
the industry skeptics who assume
employee advocacy encourages abuse.
“We see the eyebrows raised a lot,”
she said. But she followed the success
of other large employers with similar
approaches, including Disney, Safeway
and industry peer Southwest Airlines.
“They did the same thing. They
decided ‘Stop — stop the grinding.’ All
it does is frustrate everybody.”
It’s just not beneficial to force an
entire population into a bad process
just to catch a few questionable claims,
“You try to put everybody in that
box and your people who are really
injured, really sick — they get caught
up in those processes and they have a
For workers’ compensation cases
with a disability and leave component,
the workers’ comp examiner is
the single point of contact for the
employee and assists the employee
with navigating through the disability
and leave process as well. This reduces
phone calls and correspondence and
improves payment accuracy.
Delta also eliminated barriers
established by the traditional workers’
comp model by streamlining utilization
review (UR) use in all non-mandatory
states as well as revising the process for
a more thoughtful use of independent
medical examinations (IMEs).
“Delta Air Lines strongly embraces
employee advocacy and this drives
everything we do from a claims
perspective,” said Lynn Williams,
managing director with Sedgwick.
“Whether addressing occupational
or non-occupational incidents … we all
become advocates for their employees
to ensure their recovery and return to a
While Delta will still use UR and
IME when needed or when required
by law, its primary emphasis “is on
taking care of the employee’s needs
first,” said Williams.
“It makes more sense to focus on
providing the right treatment on the
front end and simplifying the process
in a way that shows we care.”
Delta’s changes have given all
stakeholders the tools they need to
ensure the safety, health and well-being
of its people for the long term.
“If you have customer-facing
employees that are unhappy about
their claim process, that’s going to be
impactful when trying to stay focused
at work and working with passengers
and co-workers,” said Emerson.
“You make the investment to try
and make the system work easier for
people and try to make the process
flow a little more smoothly. Then you
build in the things that can trigger the
claim process to vet out [problems].” &
MICHELLE KERR is an associate editor with
Risk & Insurance®. She can be reached at