DCS accommodates diverse needs with a versatile solution. It does that by making the claim the central focus rather than the insurance policy. We found a way to address the needs of Self-Insureds, TPAs, Captives, Risk Retention Groups, Intermediaries and Law Firms by turning the policy-dominated perspective on its head. When the claim comes first, the system cannot be limited to insurance policy exposures. Covered or not, our specialty screens address the needs of any industry and any claim type. Do you need a fast claims system for quick turnaround, low-exposure claims? Or, are you trying to analyze a complex multi-party case with difficult legal and procedural issues? Either way, DCS has the right tools for fast and competent resolution.
Markets Served
Public Entity
Colleges & Universities
Restaurants
Hospitality
Healthcare
Property Owners
Manufacturing
Retail
Construction
Energy
Transportation
Airports
Services
Sovereign Nations
Banking
Utilities
Captives
With a Captive Insurance Company, every claim is personal. Industry-specific fields and workflows give file handlers a decided advantage in reducing cost and cycle time. If your organization faces complex multi-party, multi-count claims that involve notice issues, “claims-made and reported” issues, coverage analysis and intense legal research, you need a system that organizes relevant facts and law.
The creators of DCS know that you want control over every aspect of claims handling. How a claim is investigated, whether issues are identified and properly analyzed and what presentation format is used will greatly impact the total cost. Carrier and TPA adjusters with inadequate claims systems, massive caseloads, no guidance, and overwhelming checklists can make bad decisions.
Self-Insured Organizations
Self-Insured organizations value control. How and when claims are paid cannot be communicated in a one-size fits all instruction document. Claims involving customers and suppliers may involve thoughtful judgment and creative resolutions.
Self-insured organizations need flexible capabilities because each claim should be dealt with considering its unique features. Combining Self-Administration with Self-Funding gives you maximum control. The methods, practices and judgment of an outside administrator may not be in lock-step with your interests and goals.
For Self-Insured clients who want privacy and control, DCS keeps your sensitive information, personnel files, trade secrets, and intellectual capital inside the organization.
Risk Retention Groups
A Risk Retention Group must have superior claims handling. The benefits of risk pooling will go to waste unless RRG claims are handled with a high degree of proficiency. Build the perfect library of legal rules pertaining to liability in one specific area by using the Direct Claim Solution’s Legal Reference feature. In that module, a wealth of knowledge is stored so that claims involving previously researched legal issues can be resolved quickly and consistently.
Risk Pools
To better serve risk pools, DCS is structured to associate a claim to self-insured and insured layers and accommodates separate and combined exposure reporting. The feature in DCS which allows external users to view and manage only claims with which they are associated makes the client a perfect fit for Risk Pools.
TPAs
Self-Insureds often rely on outside parties for claim intake, evaluation, defense and resolution. DCS offers TPAs an arsenal of analytical and organizational tools for turning data into decision-making information. The claims summary and legal research tools along with the timeline feature make DCS a great option for TPAs.
DCS also offers numerous ways of segmenting claims if your TPA is responsible for delivering analysis by subsidiary, division, or department. The DCS system is designed to free up the claims adjuster to think about the claim rather than serving the system’s needs.
Law Firms
Your chance to demonstrate your innovative business approach is here. You will be equipped with a robust system that contains numerous analytical reports to prove your firm’s worth. Show clients your strong dismissal record and ability to keep expenses down as you resolve matters for a fraction of the other firms.
Connect with your clients better by using a tool that translates legal-speak into usable business messaging. Store legal rules by issue and answer questions on the spot.