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Workers Comp Adjuster – Suggestions For Working Relationship


Workers Comp Adjuster Communication Always Saves Premiums and Budgets

Communication with your Workers Comp Adjuster. I have posted on this subject a few times in this blog. As I mentioned in the last post, your Workers Compensation adjuster is very important to your overall insurance budget.

The following are a few tips on how to establish a working relationship with your adjuster:

  • Picture Employee Workers Comp Adjuster at Work

    Knowing who handles your company’s claims – we often come across companies that do not know who is handling their files. I suggest immediately finding out the contact information of the adjuster or adjuster who is responsible for your company’s claims.

  • Phone calls and faxes are not going to get answered as promptly as emails. If you call your adjuster, they will only have to pull the file and get back to you. Phone calls are not recommended.
  • Emails are great documentation and allow your adjuster to give you an answer after reviewing the file. They are probably overloaded with files and need the time to familiarize themselves with the files. Scanning and attaching documents to your emails may also be a great idea.
  • Some insurance carriers and TPAs have a concise claim status on the loss runs. The current status field – usually two or three sentences – may avoid the need to contact the adjuster directly.  If the status seems to be out-of-date, email the adjuster to provide them with new information.
  • Online claims access is the key to cutting down on the need for multiple communications on the file. As I have posted numerous times, online claims access is golden for knowing the status of the claims.  Having online access will prevent you from having to make status emails and phone calls to the adjuster.

I will post next time on contacting your adjuster(s) on reserves and payments.

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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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