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By assuming all normal
expected accidental loss, the state is able to optimize the cost efficiencies of a
self-insurance program and to directly control the defense and settlement of its claims.
Using independent insurance adjusting firms located throughout the state, Risk Management
is able to provide prompt investigation and fair settlement of liability claims filed by
the public and to give all injured state employees and their dependents timely receipt of
any benefits owed under workers' compensation statutes. Replacement cost funding is
immediately arranged for prompt repair or renewal of state property and equipment that is
damaged or destroyed.
Northern Adjusters, Inc., with offices in Anchorage, Fairbanks, and Kenai, responds to all automobile and general liability claims and when assigned investigates aviation and airport liability cases. Harbor Adjustment Services determines and pays all benefits owed to injured state employees under Alaska workers' compensation statutes. Effective July 1 2003, all crew member injury cliams occuring on the Alaska Marine Highway System ferries and other agency vessels are covered under the Alaska workers' compensation statutes. Harbor Adjustment Services adjusts all maritime claims arising June 30 2003, and prior. Risk Management claims administrators oversee and manage the day to day activities of these independent professionals handling state claims. Through an on-line interactive claims information system they are able to immediately determine the current status of any case and its payment transactions. Large or precedent-setting claims are closely monitored through detailed narrative status reports with direct supervision and control by the state. Twice each year Risk Management performs onsite claim audits, sampling randomly selected claim files to ensure prompt professional and cost effective claims services are continually provided. For litigation cases, Risk Management funds the Special Litigation (Torts) Section within the Department of Law - presently ten assistant attorneys general, six paralegals, and six clerical support positions. Using State-employed defense attorneys is clearly the most cost effective and operationally efficient method to handle the civil litigation and workers' compensation caseload protected by the Risk Management program. When a conflict of interest arises or if the current caseload demands it, a private defense counsel is retained by individual professional service contract with the assistance and authority of the Department of Law. Risk Management claims staff works closely with Department of Law legal staff on defense or settlement decisions in all complex claims and litigation cases. Questions or comments about the website or home page? Mail me! Admin Webmaster |
