Better Data Drives Better Business Decisions

Data and analytics for Constitution State Services

Making connections

Data and analytics have changed the way we manage insurance claims. Our analytics professionals lead innovative, data-driven processes to ensure decisions are informed by real data. Utilizing your data and claim status information, our insights influence future outcomes.

Innovative tools across the claim lifecycle

  • Automated social listening tools search publicly posted content for signs of fraud, including injured workers' physical activity, employment, prior injuries and more.
  • Medical analytics, including advanced medical invoice auditing improve accuracy and ease of leveraging data.
  • Early Severity Predictor® program helps predict potential chronic pain.
  • Attorney analytics assists in anticipating plaintiff attorney tactics and the use of the tools help identify resolution strategies.

Risk management information services (RMIS)

With access to your company’s loss information through our dynamic RMIS product, e-CARMA®, our team of dedicated RMIS professionals will partner with you to analyze, customize and personalize live claim and financial information. e-CARMA’s broad data and analytics capability lets you identify trends and assess claim costs and activities easily. Automatic delivery of reports and alerts, along with a guided analysis of your loss experience helps you make more informed decisions to mitigate your risk. All this plus transparency gives you greater control and better ability to protect your business and strengthen your competitive advantage.

Measurably better results

94% of customers we survey say our claim services deliver superior financial results.1

WORKERS COMPENSATION

  • We challenge 30 of every 100 lost-time claims. 20 of those are sustained as non-compensable or denied. This means that we only pay what is owed, which can help control your overall costs.2
  • Overall medical bill repricing saved 65 cents on every medical dollar billed. 3
  • Our Early Severity Predictor Program helps identify which injured employees are at a higher risk of developing chronic pain and with our pharmacy benefit management program helps drive a 30% overall reduction in opioid use.4

GENERAL LIABILITY

  • Our Claim professionals can help resolve situations quickly and decisively to mitigate losses. 90% of general liability claims we handle are resolved without advancing to suit.5

COMMERCIAL AUTO

  • Three-year average $58.6 million in commercial auto subrogation recoveries.6
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Have a question? Don't hesitate to ask. We're always available to answer your questions and offer advice to optimize your claim management and risk control programs.

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Sources
1 2018-2019 Travelers Claim Survey results, evaluated 01/29/2020
2 Travelers workers compensation claim data three-year calendar year average results valued 12/31/19
3 Three-year calendar year average results valued 12/31/19
4 Reduction in opioid use results from ESP model and pharmacy management working together; Services paid 2015-2017 valued 12/31/18
5 Travelers Claim data as of 12/31/2016
6 Travelers Claim three-year average 2017-2019

Learn more about our advantage

Our People

Our claim account managers (CAEs) are responsive and proactive. They work to provide clear communications and easy access as needed to critical claim information and specialists in medical, litigation, investigations and subrogation.

Our Insights

How you manage and reduce business risk is critical to your company's success. As a third-party administrator, Constitution State Services brings skilled professionals and innovative tools and resources to help you manage your total cost of risk and strengthen your business advantage.