Answer: We have seen Xmod's as low as 17%

Answer: We have seen Xmod's as high as 736%

We are an attorney owned boutique insurance brokerage firm that approaches workers compensation claims differently. Many other firms do not get involved with claims. When they do, they just monitor by simply passing on the latest claims update from the adjuster.In California, the carrier has 90-days to investigate the claim. We are actively involved in the claims investigation process to help identify information to help determine compensability (Covered) and the nature and extent if the injury (abuse). After 90-days, the threshold to introduce new evidence in the claims investigative process is so high that it becomes almost impossible for the evidence to be used against the employee.