Risk Management FAQs

We will look up your claim history during the quoting process to answer this question. However, note that with the number of customers and payroll dollars we run we have more options when it comes to helping you save money on workers’ compensation issues.

You have one point of contact when a claim occurs and with your assistance our risk managers will take it from there. GMS’ risk team will guide you through every step of the process, as well as advise you on the appropriate steps to take depending upon the severity of the claim. Our risk team will fight the claim, and our attorneys will attend hearings if need be. Because of the co-employment relationship, our risk managers are able to call doctor’s offices, etc. to investigate the claim.

No, we need your input to effectively manage any job related injury.

Each of our clients is individually evaluated for discount programs that are available through GMS. We will make sure that your claims are managed properly going forward to try to reduce rates as low as possible.

There are too many factors to give a definitive answer, but we can assure you that GMS will do whatever is possible to reduce your exposure and financial burden from a workers’ compensation claim.

Yes. We can help you maintain OSHA 300 logs. We contract with outside vendors and get discounts on OSHA trainings and safety walkthroughs.

We do offer several different trainings ranging from Tool Box trainings to safety grant assistance. Some may incur an additional cost depending on the program.

We offer this as an option; in no way do we enforce this upon the employers we work with. While it is suggested, it is still your company.

Yes. We recommend:

• Pre-employment
• Random
• Post-accident
• Reasonable suspicion

Unemployment claims drive premiums and our expert risk management department can help reduce and eliminate fraudulent unemployment claims. Managing your state unemployment rate is just as important to us as managing your workers' compensation rate. We have a proven track record, and a 96% success rate, in defending our clients against non-layoff related unemployment claims. We therefore have the ability to reduce your rate, and the corresponding payments you make, over time.

Very similar to workers’ compensation claims. GMS will be notified of the claim and provide legal representation to fight them.

Our risk department is going to advise you on what is best for your company. But as the business owner, you have the final say on what you want to fight and claims you want left alone.

These claims are mailed directly to GMS. We go directly into the HR portal to see if anything has been documented about the employee and then we contact you to see what the reason for termination.

Every state has different rules on this. We will handle your account the way the State mandates. As a client, the future management of your account through GMS, which includes proper documentation like signed handbooks and job descriptions in place, will help reduce your State Unemployment rates.