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Workers Comp Adjuster How To Contact on Reserves or Payments


Contacting Your Workers Comp Adjuster – A Few Quick Tips

Your Workers Comp adjuster appreciates emails. Let us cover why adjusters prefer emails to phone calls, faxes, or letters.

This is one area where we have received quite a few calls over the last few weeks. If you as an employer feel that you are not sure how to proceed, you are in the majority.

As I have posted in the past, these conversations with your adjuster over Workers Comp payments can save money or cost your company greatly. Knowing which files to cover is crucial. Sometimes asking the wrong questions on the wrong files may cause a reserve increase. If you ever feel that you may cause more harm than good, it may be a good time to call in a reserve expert.

Graphic Cash in Envelope Workers Comp Adjuster Appreciates Emails

I always recommend never emailing your adjuster and saying that the reserves on the files are too high and you want them reduced. I have seen agents do this. All this will ever do is cause a breakdown in communications.

Please remember that an adjuster can increase or decrease reserves at will – and there are no laws on the books that address how an adjuster handles reserves. Making any communications to adjusters in a contentious situation will only make things worse and never accomplish your goals. Almost all Workers Comp adjusters are very overloaded, especially in this economy.

One thing that adjusters like is that you do not contact them if the question is about a payment. Emailing the adjuster’s assistant will usually accomplish what you need to know. Ask your adjuster to provide their assistant’s email address. This is the best person to email on payment questions as the adjuster will only forward your email to their assistant to answer the payment question.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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