Contact us today to learn how we can take care of your risk and benefits needs. www.sedgwick.com | 800.625.6588

© 2018 Sedgwick Claims Management Services, Inc.

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Sedgwick is a leading global provider of technology-enabled risk, benefits

and integrated business solutions. Through the expertise of over 21,000

colleagues across 65 countries, we offer services designed to keep pace

with the evolving needs of our clients and consumers.

We are here to support people in their time of need. Every year, Sedgwick

takes care of the needs of more than 3.8 million people around the globe

when something unexpected happens. Whether they have a workplace

injury, suffer property or financial loss or damage from a natural or

manmade disaster, need time away for the birth of a child or another

medical situation, or are involved in an auto or other type of accident, we

are here to let them know that it’s going to be ok.

Sedgwick is here for you, your organization, your employees and your

customers. Taking care of people is at the heart of everything we do.

We are here for our clients

At Sedgwick, we make time to listen and develop tailored programs

to help our clients achieve their unique business goals. Our clients

depend on us to take care of their most valuable assets — their

employees, their customers and their physical assets. Our 98%

annual renewal rate reflects our strong partnership with our clients

and our commitment to delivering valuable business solutions.

We are here around the world

Thanks to our growing domestic and international reach, we are

here around the globe, able to respond quickly to clients’ needs

in property, marine, auto and other lines. With a full spectrum of

services, deep roots in multiple geographies and an approach

tailored to unique local customs and regulations, Sedgwick offers

cost-effective solutions that allow you to centralize and simplify your

global strategy. As catastrophes hit, or as other needs arise, we are

able to mobilize our resources around the world to quickly respond

and help our clients restore their infrastructure and livelihood.

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We are here for your employees

When employees take time away from work for an injury, an illness or

other life event, it can be an unsettling and stressful time. At Sedgwick,

your employees are the consumers of our care; we treat them with

respect and provide a helping hand during a time of need. They may

be feeling uncertain about their job, their ability to pay bills, their

health and their future. Doing the right thing in each case includes

making sure the employee has access to the medical resources they

need, listening to their concerns, showing compassion, and being

there to assist at every turn.

We are here for your customers

Whether a person slips in a store, a patient is injured in a medical

facility, a customer believes a product they purchased might be

defective, or a property owner is in need of damage restoration,

our team is here to take care of each of them. Our unique customer

service approach ensures brand protection and early resolution.

Regardless of the type of industry, Sedgwick brings creative solutions

to help our clients take better care of their customers.

to help

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Property and loss adjusting

Sedgwick’s property loss adjusting team offers global expertise in property insurance claims and solutions for

commercial and residential markets. We specialize in large/complex losses, large domestic and international

commercial risks, middle market commercial property losses, and real estate, residential and catastrophic losses.

Our forensic engineering team provides analyses and origin-and-cause investigations. In addition, our managed

repair network of credentialed contractors around the world helps clients and consumers get back on their feet in

times of catastrophe.

LiabilityWith one of the largest teams of liability experts in the world, Sedgwick is here to resolve the challenges you face

every day, from handling general, auto, product and professional liability claims, to maintaining brand protection

in times of crisis. Regardless of the type of industry, Sedgwick brings creative solutions to facilitate early resolution,

help our clients reduce litigation, and take excellent care of their customers.

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Workers’ compensation

For nearly 50 years, Sedgwick has helped employers answer virtually every question there is about workers’

compensation. As a result, our clients experience some of the best outcomes and lowest overall claims costs. We

have expertise in nearly every type of industry, in every region, providing the broadest range of programs and

services. Our integrated workers’ compensation approach helps employers improve the claims process.

Employers are seeking quality care centered on helping each employee recover, get back to their life, and return to

work. We are here to help our clients and consumers with managed care services tailored to meet their needs. We

offer an integrated, outcomes-focused approach that includes identifying top-performing providers, coordinating

the claims process, and using case management and healthcare specialists to help improve the employee’s overall

health and well-being.

Disability and absence

As the largest provider of integrated disability and absence management solutions, Sedgwick offers a combination

of services that covers every possible time away from work scenario. Our clients depend on us to support and

improve the health and productivity of their workforce in a way that is cost-effective, efficient and compliant. We

work closely with employers to help them gain better visibility into who is away from work and for how long. Our

team of experts ensures compliance with complex laws governing disability, FMLA and ADA. They treat each

employee with compassion and respect, focusing on their overall health and wellness.

Leveraging our proven experience working with the world’s leading organizations, we continue to evolve our offerings to help manage the wide array of issues facing today’s employers. Our approach to providing quality services goes far beyond just managing claims — we strive to remove complexity from the process, making it easy and effective for everyone involved.

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with the right solutions

Our scope of integrated services makes us unique in the market; most

third party administrators and insurers can’t provide integrated workers’

compensation, managed care, disability and absence services. Sedgwick

offers clients the convenience of a single source of service for every

kind of absence, which often results in lower costs through greater

efficiencies. Our integrated approach allows clients to focus on the

bigger picture when it comes to absences, and our technology, expertise

and capabilities set us apart.

Our team provides a carefully crafted strategy designed to ensure clients

receive the most value for their dollars at the claim level, and the best

care for their employees, customers and physical assets. By viewing the

“claimant” as a consumer of care rather than a claim number, we treat

them with respect and help them get the care or solution they need.

From the first call to our consumer care team to the moment the claim

is closed, we are able to enhance outcomes for clients and consumers

through the broadest array of integrated services available in the industry.

What’s more, we are finding new ways to integrate health and productivity

management tools along the spectrum. Because healthcare can be

complex, it’s often difficult for employees to know how to navigate all of

the programs and health-related benefits their employer offers — and

who to call for what. An employee’s own health issues, as well as the

medical needs of their family, can impact productivity. Sedgwick was

the first to integrate and simplify the administration of health, workers’

compensation, disability and leave benefits, linking data and resources

through a single point of contact to help promote physical, emotional

and financial well-being in the workforce.

73%lower average total incurred loss costs

opioid prescriptions avoided through pharmacy utilization review

overall decrease in prescribed medications

decrease in morphine equivalent dose

reduction in prescription drug cost through complex pharmacy management

72%average reduction in lost time

46%drop in litigation rates

35%shorter overall claim duration

When injured workers are initially treated by our 4- and 5-star providers, we see:

Our pharmacy program results

76

with a unique, integrated approach

net savings

network penetration

financial audit accuracy

day average bill turnaround time

overall reduction in provider charges

return on investment

Our bill review program maximizes savings

$2.9 billion

26:1

2.4

99%

77%

60%

47%

49%

29%

21,000

Technology

Sedgwick is here to help you get more from your claims data. We offer a fully integrated, multiline, proprietary claims

system and effective interfaces for virtually any kind of claims program, human resources or payroll system. Linking it

all, our viaOne® claims management suite provides clients with real-time access to claims and absence information

and the ability to run reports, receive alerts, and explore advanced analytics on different facets of their data.

With mySedgwick, our self-service tool, consumers have the ability to view details about their claim or case,

personalizing their experience with customized dashboards, alerts and push communications based on their

preferences. They can easily update information and keep the process moving forward, using web or mobile access

to confirm return to work dates, securely interact with their claims professional, report new claims or intermittent

absences, sign up for direct deposit, search for a medical provider specializing in occupational injuries in select states,

securely upload claim or medical documents, information or images, view and complete medical authorization and

medical history release forms, and much more.

Decision optimization

Sedgwick is blending our advocacy approach with prescriptive

analytics. We go beyond immediate medical needs, look at specific

characteristics of the claim, and then address concerns early to

help guide claims toward the best possible outcome. Analytics

continue to influence next-generation methods for predicting

care, complex claims, pharmacy needs, return to work and more.

Our decision optimization platform uses proprietary algorithms,

machine learning and sophisticated data analysis to automate

decisions and appropriately direct the care path. By continuously

analyzing every claim in real time throughout processing, we are

able to take preventative measures more quickly to avoid incidents

that might escalate a claim or impede recovery.

8.1%faster return to work

8.1%decrease in attorney involvement

38.4%reduction in high-severity claims, despite a 27% increase in overall claims volume

Over the past year, we expanded our decision optimization models and we are integrating feedback and insights daily to help our examiners fine-tune the response for each claim.

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Sedgwick delivers superior technology solutions to

employers and carriers — and our capabilities and

expertise are unparalleled in the industry. We continuously

upgrade our systems to meet our clients’ needs; many

of their recommendations result in key enhancements

for everyone. Leveraging our expertise built from nearly

50 years of working with the world’s leading employers,

the insights gained from handling millions of claims,

and a depth and diversity of claims data unrivaled in

our industry, Sedgwick is focused on pushing claims

technology to the next level.

Others can offer predictive analytics to provide insight

into risk patterns that can be addressed early in the

claims process. We can go beyond, not only revealing

meaningful trends, but also prescribing and automating

the next steps to be taken, all while putting exceptional

care and service at the forefront of the process. We

use our data to drive decisions that ultimately lead to

smarter outcomes and a more personalized experience

for clients, their employees, customers, policyholders

and other stakeholders.

We are using technology to make the consumer the focus.

Through this approach, we have seen dramatic results —

high return on investment, more timely reserving, earlier

and increased touch points with the consumer, better

understanding of their concerns, decreased litigation,

and better overall satisfaction for all involved.

1,350dedicated IT experts

$15.8 billionin claims payments annually

1.89 billionpaperless images

2.6 millioninterfaces exchanged annually

102 millionclaims housed in our system

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with next-level technology

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Sedgwick is growing our workforce and resources around the world; we are here in the right places, with the right people, at the right time. Through progressive product development, organic expansion and strategic acquisitions, our offerings continue to evolve to meet the current and future needs of clients. Sedgwick’s comprehensive business solutions focus on mitigating and reducing risks and losses, keeping employees and organizations healthy and productive, protecting brand reputations, and containing costs that can impact the bottom line.

Our global team of colleagues drives the success of our business. In order to deliver innovative, industry-leading solutions to clients and take care of consumers the way they want to be treated, we must recruit, retain and engage the best and brightest people.

At Sedgwick, caring counts.® Our company is a place where creative and caring people of all backgrounds can be challenged, grow as individuals and feel a higher purpose in the unique value they bring and the difference they make in the lives of others. We celebrate our differences; cultivating uniqueness and belonging allows us to connect with our consumers on a personal level, understand our clients’ needs, support the communities in which we operate and perform at our best.

21,000colleagues

900offices

65countries

65+languages spoken

3.8 millionclaims managed

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Compounding global risks• Reacting to catastrophes • Preparing for the threat of emerging risks• Protecting first responders

Shifting tide of policy• Asserting control over the drug crisis • Collaborating for compliance• Expanding leave programs

Bridging the gaps• Racing toward self-service innovation • Supporting diversity and inclusion within claims management• Broadening the knowledge and capabilities of today’s claims professional

Leveraging interdisciplinary care• Putting whole health into practice• Capitalizing on the power of integrated resources• Exploring alternatives for pain management

Improving experience through technology• Engaging workers throughout their recovery• Coding care• Moving beyond the predictive model• Expanding autonomous claims processing• Automating healthcare through artificial intelligence (AI) and robotic processes

Navigating 2018

We help our clients navigate the risk and

benefits management world by providing

expert resources and clear, outcomes-

focused solutions. Sedgwick’s experienced

colleagues take care of clients by listening

to their needs and drawing a roadmap

to reach their goals — helping to control

costs, improve outcomes and ensure the

best possible service for employees and

customers along the way.

In addition to assisting clients throughout

the claims process, we also keep them

informed on key topics in our industry that

may impact their businesses. We continue

to monitor the key trends our thought

leaders believe will have an impact on

employers in 2018 and beyond.

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leading the industry

Contact us today to learn how we can take care of your risk and benefits needs. www.sedgwick.com | 800.625.6588

© 2018 Sedgwick Claims Management Services, Inc.