Targeted Claim Investigations (TCI)
Reducing Claim Frequency
DigiStream’s TCI program is a tailored investigative solution to reduce claim frequency. One national client experienced a 41.2% year-over-year reduction in OSHA Reportable Incidents (ORI) in conjunction with rolling out the TCI program.
DigiStream’s investigative team begins each TCI relationship during an initial meeting with on-site management in order to assess the claims environment, the company culture, opportunities for improvement, and goals for the program. A TCI program is then created to align with client goals, and an action plan is put into effect. Throughout a TCI program, we at DigiStream review and adjust our methodology and style of investigation to ensure the continual reduction of on-site claims as part of the TCI partnership.
The key to a successful TCI program is rapid investigation, preferably within 24-72 hours, in order to determine the root cause of the incident. The investigative interviews are extremely in-depth, professional, and seamless with management processes. The goal is maximum investigative exposure with minimum disruption of daily operations.
Disrupting Existing Patterns
Many locations which experience an abundance of questionable claims lack an investigative presence to dissuade workers from filing claims as a proxy for vacations or to preempt disciplinary action. TCIs create a culture of accountability which is applied evenly to all workers. The dynamic is simple: questionable claims are reduced when employees have to account for their actions.
Education and Awareness
Whether it be the dissemination of anti-fraud posters, meetings with Union stakeholders, or providing State fraud documentation during each investigative interview, investigators make it known to workers that filing fictitious claims will have consequences. The result is often an unexpected boost in moral as good workers see accountability return to the workplace.