Claims
We understand that accidents are going to occur and we have experts available to walk you through the claims administration process. Accidents happen. When they do, the response matters as much as the coverage. Virginia Commerce handles claims locally — with experienced administrators focused on timely, fair resolutions, genuine communication, and the well-being of the employee and the employer alike.
You will not reach a call center. You will not be routed through an automated system. You will speak with a person who knows your account, understands your industry, and is committed to helping you resolve the situation correctly.
Tailored Care, Trusted Results — Service Built Around You
Step 1 — Download and complete the First Report of Injury form. |
Step 2 — Submit the completed form to Landin by any of the following methods: Online Portal (Member & Agent Login): Email: accidentreport@insuranceconceptsllc.com |
IMPORTANT: Do NOT file the First Report of Injury Form (FROI) with the Virginia Workers’ Compensation Commission. |
IT IS EXTREMELY CRITICAL THAT ALL ACCIDENTS BE REPORTED AS SOON AS POSSIBLE. |
Please fill out the form legibly and make sure the person completing the report is authorized. Provide as much information as possible so that an accurate investigation of each claim can be conducted. This will ensure that an injured employee will receive the benefits to which he/she is entitled. On the other hand, those who are not eligible to receive benefits will be identified.
If you do not know the answer to some of the questions or if they do not apply, write either “unknown” or “N/A” in those spaces. If you have any questions whatsoever, please feel free to call us and we will be glad to assist you.
If you have any questions, please feel free to call us, and we will be glad to assist you. Our goal is always the same: help injured employees recover and return to work as quickly and safely as possible, while managing costs responsibly for the member.
File with Company Nurse
If you are enrolled with Company Nurse, you can also file a claim through their system.
About Our Claims Management Team
Landin Services, LLC has been handling claims management as the TPA for Virginia Commerce since 2002. Collectively, the claims staff has more than 250 years of experience handling workers’ compensation claims. Contact Landin with claims questions at (804) 359-9600.
Fraudulent Claims
If you see potential for a fraudulent claim or have concerns about other fraudulent activities that might be occurring, please contact the claims staff to discuss at your earliest convenience.
Frequently Asked Questions
Can’t find the answer to your question below? Contact a member of our Claims team.
Where do I send medical bills after a claim has been filed? | Please mail the original document to Landin Services, LLC, P.O. Box 241, Oilville, VA 23129, or fax a legible copy to (804) 359-9640. |
What’s my claim number and who is the adjuster assigned? | Call (804) 359-9600 or email the claims team for assistance. |
How long until the injured employee will receive benefits? | In Virginia, there is a seven-day waiting period. Benefits would begin on the eighth day of disability. The initial seven-day waiting period is payable only after the disability exceeds 21 days. |
What do I do if a provider calls me to authorize a referral and/or medical treatment? | Please refer the provider to the adjuster assigned to the claim. |
What do I do if I feel a claim is questionable? | |
Why should I file a claim? | Anytime an employee has an accident that requires medical attention, or when in doubt, you should file a First Report to protect you as an employer and ensure statutory reporting requirements are met in a timely manner. |
Can I monitor my company’s claims? | Yes. As a member employer, you have access through our online portal to your loss reports showing amounts paid for claims, earned premium to date, and your company’s loss ratio (losses/premium) to date. The service company will also quickly respond to any inquiry regarding a specific claim or claims in general, and can offer advice regarding any concerns you may have. |
The majority of workers’ compensation claims are compensable or covered claims. However, there is a small percentage of claims reported to employers as work-related injuries or events that qualify as questionable. If these claims are not handled properly, they can result in losses that will affect an employer’s reputation for many years to come.
What to Do
The Virginia Workers’ Compensation Commission can impose heavy penalties for failing to report a claim in a timely manner. Therefore, a First Report of Injury should be filed right away.
Filing a report does not create a compensable claim for the employee. Any information regarding the questionable nature of a claim needs to be presented at the same time the report is filed. This would include any evidence an employer discovered while investigating the claimed accident and employee, such as:
- Written statements from witnesses and supervisors, along with their names and contact information
- Any information about the employee regarding pre-existing medical conditions
- Any recent problems with employer-employee relations
- If appropriate, photographs of areas where a claimed accident may have occurred — these allow an adjuster to assess whether a claimed condition did or did not exist
Even if you don’t have investigative materials, you, as an employer, should flag the claim and indicate why you feel it is questionable.
Getting this information to an adjuster right away can be critical to completing a thorough review of the claim. If delayed, vital information could be lost. Along with this data, an adjuster will use his/her training and experience to gather additional documentation that may be needed in defense of the claim, should it be litigated. This could include statements from the claimant and potential witnesses, medical records, or additional physical evidence.
If you see potential for a fraudulent claim or have concerns about other fraudulent activities that might be occurring, please contact the Landin claims staff to discuss at your earliest convenience.
Company Nurse — 24/7 Injury Triage Service
Company Nurse is a 24-hour, 7-day-a-week triage service that provides medical expertise at the point of injury to ensure injured employees are channeled to the most appropriate and cost-effective level of care. Virginia Commerce provides around-the-clock triage support so your employees get the right care immediately — and you get the guidance you need to handle it correctly from the start.
Company Nurse dramatically impacts workers’ compensation programs in a number of ways:
- Easy to use — simply dial the hotline for occupational injury triage
- Streamlines reporting — one phone call creates the First Report of Injury, instructions for post-accident drug testing, and immediately notifies Landin Services, LLC, employer contacts, and a designated medical provider
- Reduces claims volume — with appropriate first aid and self-care, on average, 20–40% of calls do not result in compensable claims
- Eliminates unnecessary ER visits — with medical expertise, ER use can decrease by as much as 300%
- Reduces lost time — by integrating return-to-work coordination, employers reduce lost time by as much as 30–50%
- Cost savings — the average claims cost can drop by as much as 10–30%, and medical costs can be reduced up to 20%
- Employee satisfaction — with prompt open communication and 24-hour access to quality medical professionals, injured workers have a positive experience
Register for Company Nurse
To register for Company Nurse, email info@insuranceconceptsllc.com or call (804) 359-9600
