Why choose KARE? There are many reasons.

First, ask yourself the following questions about your current claims program as a test for what you should be receiving:

Are claims being paid on time?
Is the claim compensable or should it be challenged?
Is the claims adjuster willing to investigate potentially fraudulent claims?
Is someone paying attention to the medical bills?
Are the medical bills accurate?
Is the medical treatment appropriate for the injury?

If you find your current workers' compensation insurance provider lacking, we encourage you to take a closer look at KARE.

What you will find is a fully insured workers' compensation program endorsed by the Kentucky Chamber of Commerce and underwritten in conjunction with the ACE-USA Group of Insurance Companies. (ACE-USA enjoys an A.M. Best Co. rating of A (Excellent) XIII, with over $30 billion in assets and is ranked among the top 20 property/casualty insurance groups in the United States.) With this strong backing, KARE is able to provide its insureds with stability and flexibility, as well as competitive rates.

You'll also find that with KARE, you'll like the answers you get to the above questions. Our claims management program emphasizes intensive claims investigation, as well as your input into the claims process. You can always count on KARE for prompt and accurate payment of claims; thorough medical bill auditing; appropriate, injury-specific medical treatment and rehabilitation; fraud screening, detection, and investigation; and local claims management.

Our exemplary claims management program isn't the only reason to choose KARE, though. You see, KARE recognizes the direct relationship between safety, quality, productivity, and profitability. We understand that when it comes to workers' comp coverage, the need to identify and control workplace hazards before they become workers' comp claims is an important factor in this relationship. Our safety management team is trained in the most current risk assessment techniques to help employers identify and solve potential work site safety problems. However, because accidents are an inevitable part of the workers' compensation process, the true benchmark for quality in a workers' compensation program is how well claims are managed. KARE's professional claims services and managed care network of occupationally oriented healthcare providers focus on one priority — to restore and return injured workers to work as soon as practical. Together, our proactive approach to safety management and responsive approach to claims management help keep workers productive and businesses healthy.

In addition, KARE understands and stays on top of all the factors than can impact Kentucky businesses — everything from legislation to a changing business climate. We pride ourselves on knowing what is important to you concerning workplace coverage and services for protecting one of your most valuable assets — your employees.

To assist you in protecting those assets while on the job, KARE provides an extensive menu of value added services and assistance tools to make your workplace environment a safe place to work for your employees.

Our knowledgeable, service-oriented staff understands the workplace
needs specific to Kentucky businesses.

You can always count on us for prompt and reasonable answers to
your Coverage questions.

KARE offers a variety of flexible Payment Plans.

Premium Audit Services are conducted in a timely manner.

KARE can provide other states coverage if you have employees who travel
out of state or associated operations located outside of Kentucky.

We are committed to providing prompt, courteous, and thorough
Claims Management services.

Our statewide Managed Care Network provides access to occupationally
oriented health care providers.

Anti-Fraud Services are available to assist in detecting and investigating
any suspected claims.

KARE offers extensive on-site Safety and Loss Control Services.

Our Model Safety Program manual will assist you in implementing
an effective workplace safety program — or fine tuning your
existing program.

Policyholders have access to our extensive Safety Video Training Library.

KARE offers group and individual Safety Workshops on subjects
pertinent to your specific needs.

The KARE Views newsletter will keep you up to date on relevant information.

As a member of the Kentucky Chamber of Commerce, you'll also receive
discounts on seminars, workshops, and helpful publications.

Best of all, KARE is able to deliver this unprecedented level of service at a very competitive price. Contact us today to find out more.

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