Claims Handling Assessment (CHA)

The Claims Handling Assessment (CHA) is a proprietary evaluation developed by Temp Staff Risk Services (TSRS) to measure how effectively staffing companies manage the full workers’ compensation claims lifecycle — from onboarding through post-injury resolution.

The CHA identifies where documentation, timing, and coordination break down, quantifying how those weaknesses impact claim outcomes, underwriting confidence, and EBITDA.
It is structured around four measurable stages:

1. Pre-Hire – Hiring documentation and risk screening
    
2. Post-Hire – Safety training, OSHA compliance, and host-employer coordination
    
3. Pre-Claim – Communication and preparedness before an incident occurs
    
4. Post-Claim – Reporting accuracy, medical direction, and return-to-work execution
    

This stage evaluates the documentation that establishes the foundation for defensible claims handling.

Key elements include:

• Employment applications with current fraud statements
   
• Conditional Offers of Employment
   
• Post-Offer Medical Questionnaires (POMQs)
   
• Reference and employment verifications
   

Observed Trend:
Most agencies complete these steps but fail to maintain signed or dated records. Missing documentation weakens hiring integrity and increases exposure in future claims.

This stage measures how well staffing companies prepare host employers and internal teams to respond if an incident happens.

Key elements include:

• Written incident-reporting instructions for host employers
   
• Physician panel creation and validation
   
• Communication of reporting expectations and contact procedures
   
• Distribution of claims-reporting wallet cards or digital equivalents
   

Observed Trend:
Preparedness is generally low. Few agencies maintain validated physician panels or documented host-employer reporting instructions — leaving gaps that slow first reports and early care coordination.

These companies are located throughout the United States and represent a cross-section of the contingent labor market — including clerical, medical, light industrial, manufacturing, construction, and logistics sectors.

They also ranged in size from $250,000 to $3.5 million in annual workers’ compensation premium.

Each participant was assigned a specific claim more than three weeks old with over $25,000 in total incurred cost to ensure the evaluation focused on meaningful, high-impact loss scenarios.

 Average Overall Score: 43%