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Liability claims representative vs worker's compensation claims examiner

The differences between liability claims representatives and workers's compensation claims examiner can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a liability claims representative and a worker's compensation claims examiner. Additionally, a worker's compensation claims examiner has an average salary of $53,581, which is higher than the $45,654 average annual salary of a liability claims representative.

The top three skills for a liability claims representative include litigation, claims handling and customer service. The most important skills for a worker's compensation claims examiner are rehabilitation, social security, and litigation.

Liability claims representative vs worker's compensation claims examiner overview

Liability Claims RepresentativeWorker's Compensation Claims Examiner
Yearly salary$45,654$53,581
Hourly rate$21.95$25.76
Growth rate-6%-6%
Number of jobs13,56315,002
Job satisfaction--
Most common degreeBachelor's Degree, 81%Bachelor's Degree, 60%
Average age4444
Years of experience66

What does a liability claims representative do?

A liability claims representative works at insurance companies where they are in charge of processing and settling insurance claims, ensuring accurate and efficient client service. They are responsible for conducting assessments, reviewing reports from examiners, and tracking any discrepancies such as underpayment or overpayment, reporting them right away. There are also times when they must meet with clients and inspect damages, conduct interviews and evaluations, estimate and negotiate settlements with external parties, and coordinate with other professionals to gain insights. Moreover, a liability claims representative maintains an active communication line with staff, resolving issues in a timely manner.

What does a worker's compensation claims examiner do?

Worker's Compensation Claims Examiners are responsible for managing the overall process of compensation claims for workers. They review accurate submission of claim documents, determine the appropriateness of compensation, and finalize the amount before authorizing payment to the respective worker. Other duties include ensuring claims adhere to workers' compensation law and follow proper guidelines. A Worker Compensation Claims Examiner normally work for life insurance or health companies.

Liability claims representative vs worker's compensation claims examiner salary

Liability claims representatives and workers's compensation claims examiner have different pay scales, as shown below.

Liability Claims RepresentativeWorker's Compensation Claims Examiner
Average salary$45,654$53,581
Salary rangeBetween $33,000 And $61,000Between $33,000 And $84,000
Highest paying CitySomerville, MASan Francisco, CA
Highest paying stateNew JerseyCalifornia
Best paying companyThe Travelers CompaniesZurich
Best paying industryInsuranceFinance

Differences between liability claims representative and worker's compensation claims examiner education

There are a few differences between a liability claims representative and a worker's compensation claims examiner in terms of educational background:

Liability Claims RepresentativeWorker's Compensation Claims Examiner
Most common degreeBachelor's Degree, 81%Bachelor's Degree, 60%
Most common majorBusinessBusiness
Most common collegeStanford UniversityStanford University

Liability claims representative vs worker's compensation claims examiner demographics

Here are the differences between liability claims representatives' and workers's compensation claims examiner' demographics:

Liability Claims RepresentativeWorker's Compensation Claims Examiner
Average age4444
Gender ratioMale, 43.1% Female, 56.9%Male, 25.0% Female, 75.0%
Race ratioBlack or African American, 11.5% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.2% White, 61.7% American Indian and Alaska Native, 0.5%Black or African American, 10.7% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.8% American Indian and Alaska Native, 0.5%
LGBT Percentage10%10%

Differences between liability claims representative and worker's compensation claims examiner duties and responsibilities

Liability claims representative example responsibilities.

  • Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
  • Investigate and conclude property and casualty liability claims including those in litigation with the highest overall production of the claims representatives.
  • Participate in arbitration hearings through writing contentions, compiling evidence and personally representing files.
  • Control expenses by developing and following resolutions and/or litigation plans to drive claim to resolution.
  • Facilitate training seminars for new employees to familiarize them with various corporate procedures including exposure recognition, fraud detection and arbitration.
  • Complete field inspection of losses including accurate scope of damages, photographic evidence collection, written estimates utilizing Xactimate estimating software.
  • Show more

Worker's compensation claims examiner example responsibilities.

  • Manage all aspects of claims, including heavy litigation and vocational rehabilitation cases.
  • Negotiate settlements and actively manage the litigation process and process complex and technically difficult claims.
  • Determine benefits when processing medical claims receive as HCFA and UB92 paper claims or electronically.
  • Set up vehicle inspections, and rental reservations as a part of the claim settlement process.
  • Handle incoming calls from customers and providers with policy changes and claim status updates and maintain HIPAA.
  • Process claim forms, adjudicates for provision of deductibles, co-pays, co-insurance maximums and provider settlements and Medicaid claims.
  • Show more

Liability claims representative vs worker's compensation claims examiner skills

Common liability claims representative skills
  • Litigation, 9%
  • Claims Handling, 8%
  • Customer Service, 7%
  • Law Enforcement Agencies, 6%
  • Insurance Claims, 6%
  • Reservations, 6%
Common worker's compensation claims examiner skills
  • Rehabilitation, 22%
  • Social Security, 16%
  • Litigation, 15%
  • Medical Management, 9%
  • Workers Compensation Claims, 9%
  • TPA, 4%

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