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In addition to waiving payment of a claim excess, reporting a claim within the required timeframe can make a significant difference to the cost of a claim and may also reduce your premium. This is because the earlier a claim is reported, the sooner a coordinated approach to treatment and return to work can start. GIO can guide you step by step through the process of facilitating early recovery and return to work, which can reduce claims costs. This process is critical as claims costs can directly impact workers compensation premiums paid by employers.