A simple TOFO policy which was applied both in the mob and subsequently in a very large (huge!) global (US owned) corporation.
Claim for everything.
Complete all paperwork on the firm's time.
Make completion of claims a daily priority (phone off hook, door closed, do not disturb sign up).
If allowance does not meet expense...don't go (or use only service/company resources).
Never had a problem; never had a complaint.