Community First Everest National Program

Launched in December 2000, Community First was designed to provide Chapman clients with a reliable, cost-effective alternative to traditional Workers' Compensation (WC) insurers who were offering only high-cost, low-service policies.

The Community First Program is a guaranteed-cost WC program that is underwritten by an A+ (XV) insurer that is licensed and approved to operate in California. The program is not a self-insured group or alternative-risk insurance program. Instead, it is a guaranteed-cost program identical in risk to any standard insurance program.

Highlights of the unique program include:

• Open to class codes most other insurers will not entertain
• Underwritten by a financially-strong insurance company (A+ XV)
• Lower deposit payment requirements and installment plans
• Use of Gallagher Bassett's nationally recognized claims services
• Access to Concentra's largest medical-provider network in the U.S.
• Access to more and improved loss-control services

Since its inception, over 400 Chapman clients have chosen to be insured through the Community First Program. In total, these nonprofits have saved over $8,000,000 in premiums.

In enhancing the Community First Program, Chapman has partnered with the following leading insurance-services firms:

Everest National Insurance Company

Everest National is an A+ (XV) insurer that is licensed and approved to operate in California. This insurer has agreed to work exclusively with Chapman on the Community First Program.

www.everestnational.com

Gallagher Bassett Services, Inc.

Gallagher Bassett is the largest third-party administrator in the U.S. It enables clients to submit claims in a variety of ways and offers services critical to cost-effective claims management. These include prompt field investigations, accurate and consistent loss-reserving practices, litigation-management strategies, settlement-management alternatives, and negotiating techniques.

www.gallagherbassett.com

Concentra

Workers' compensation is one of Concentra's core competencies, and it makes sense to utilize their Medical Provider Network (MPN) as part of the Community First Program. Concentra has an extensive list of high-quality, industrial-care clinics, and its internal processes have streamlined much of the administrative burdens often associated with workers' compensation.

www.concentra.com