SFM Advantage Overview

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Long-Term Value

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Specialized Claims Services

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Medical Cost Management

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Legal Services

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Loss Prevention

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Online Resources

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Specialized Claims Services

SFM's integrated cost controls and professional claims representative help you control your insurance premium and reduce injury-related business costs, so you can focus on running your business.

Experience, expertise

SFM's skilled claims professionals average 15+ years of industry experience, and are among the best in the business. SFM claims adjusters:

• Manage costs aggressively
• Work together with your staff for the most effective management of each claim
• Partner with SFM's in-house medical and legal experts to resolve cases with complex issues
• Specialize in your state's workers' compensation to manage your claims for optimal results and help you navigate the complexities of the system

24-hour contact, responsive

The experts at SFM:

• Consistently lead the industry in prompt response on lost-time claims
• Are responsive in handling claims from the time they are received until they are resolved

SFM Action Report

SFM's action plans:

• Help manage high-risk, problematic claims for the best outcomes
• Coordinate steps with the employer and keep the employer in the loop

Cost control

SFM's approach for "total claims management" controls costs as the needs of claims develops, including:

• A plan for the resolution of every claim
• Available occupational physician and nurse expertise throughout the claim management process
• Expert legal strategies to prevent issues
• Thorough review of medical billings