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Worker's compensation claims examiner vs adjuster

The differences between workers's compensation claims examiner and adjusters can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a worker's compensation claims examiner, becoming an adjuster takes usually requires 2-4 years. Additionally, a worker's compensation claims examiner has an average salary of $53,581, which is higher than the $49,396 average annual salary of an adjuster.

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

Worker's compensation claims examiner vs adjuster overview

Worker's Compensation Claims ExaminerAdjuster
Yearly salary$53,581$49,396
Hourly rate$25.76$23.75
Growth rate-6%-6%
Number of jobs15,0027,936
Job satisfaction--
Most common degreeBachelor's Degree, 60%Bachelor's Degree, 62%
Average age4444
Years of experience64

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.

What does an adjuster do?

An adjuster is responsible for evaluating the extent of loss in the company by calculating the damage costs, determining the settlement payment to the client, and managing the reputation of the company for claims accountability. Adjusters must have extensive knowledge of the insurance principles and processes, following the state and federal regulations to protect clients and the business from insurance fraud. They collect documents from different organizations, perform field research, and interview witnesses to verify the accuracy of claims statement.

Worker's compensation claims examiner vs adjuster salary

Workers's compensation claims examiner and adjusters have different pay scales, as shown below.

Worker's Compensation Claims ExaminerAdjuster
Average salary$53,581$49,396
Salary rangeBetween $33,000 And $84,000Between $35,000 And $68,000
Highest paying CitySan Francisco, CAParsippany-Troy Hills, NJ
Highest paying stateCaliforniaNew Jersey
Best paying companyZurichFCCI
Best paying industryFinanceInsurance

Differences between worker's compensation claims examiner and adjuster education

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

Worker's Compensation Claims ExaminerAdjuster
Most common degreeBachelor's Degree, 60%Bachelor's Degree, 62%
Most common majorBusinessBusiness
Most common collegeStanford UniversityStanford University

Worker's compensation claims examiner vs adjuster demographics

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

Worker's Compensation Claims ExaminerAdjuster
Average age4444
Gender ratioMale, 25.0% Female, 75.0%Male, 56.9% Female, 43.1%
Race ratioBlack 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%Black or African American, 12.2% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 61.4% American Indian and Alaska Native, 0.5%
LGBT Percentage10%10%

Differences between worker's compensation claims examiner and adjuster duties and responsibilities

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

Adjuster example responsibilities.

  • Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
  • Review evidence obtain in liability investigations to evaluate a claim for success in recovery through litigation or arbitration.
  • Document measurements and relevant data to author estimates and appraisals utilizing Xactimate 28software.
  • Charge with answering and defending policy holders and company interests through independent and binding third-party arbitration proceedings.
  • Review departmental reports and financial data; prepare reports of findings, negotiating settlement demands or recommending litigation.
  • Prepare computerize estimates utilizing Xactimate and document all activity associate with the claim in clients web base claims management system.
  • Show more

Worker's compensation claims examiner vs adjuster skills

Common worker's compensation claims examiner skills
  • Rehabilitation, 22%
  • Social Security, 16%
  • Litigation, 15%
  • Medical Management, 9%
  • Workers Compensation Claims, 9%
  • TPA, 4%
Common adjuster skills
  • Customer Service, 19%
  • Strong Customer Service, 7%
  • Litigation, 7%
  • Liability Claims, 6%
  • Policy Coverage, 6%
  • Insurance Claims, 4%

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