Experienced and proactive claims handling is absolutely necessary when dealing with potentially very expensive workers' compensation claims in the maritime industry. The ALMA System's Claim approach is driven by the basic principles of controlling costs and closing claims as quickly as possible. ALMA's claims are handled by AERS (American Equity Risk Services), a joint venture partnership between FARA and AEU. AERS is staffed by salaried Claims Specialists who only handle ALMA claims. This is unique in the industry, where typically you have adjusters handling claims on a time and expense basis, with the potential conflict of interest inherent in an arrangement that rewards open cases. The AERS designated account Claims Specialists handle your USL&H and State workers' compensation claims, provide input and advice on complex claims issues, and offer suggestions on ways to help reduce your workers' compensation costs.