Should I Become A Compensation Claims Examiner?
Worker's compensation claims examiners review injury insurance claims to verify legitimacy, monetary amounts, medical treatments and other forms of compensation. They determine whether the loss or injury is covered by the insurance policy. Travel to interview the individuals involved in claims may be required; this position can involve weekend and evening work.
|Education Level||High school diploma required; bachelor's degree is preferred by many employers|
|Licensure and Certification||Required for examiners in some states.|
|Key Skills||Interpersonal, communication and analytical skills, ability to related software, such as document management and financial analysis.|
|Salary (2014)||$62,220 per year (Median salary for claims adjusters, examiners, and investigators)|
Sources: U.S. Bureau of Labor Statistics, O*Net OnLine
Step One: Complete the Required Education
Although requirements vary, employers may prefer applicants who have postsecondary education in a related field. Programs like the Associate of Science in Legal Assisting Technology or Bachelor of Science in Risk Management and Insurance can help prospective claims examiners learn about related areas of the field, such as law and business procedures. Some institutions offer degree programs or concentrations in fields like insurance, occupational law or disabilities, all of which could provide a background for job candidates.
Step Two: Complete Training
Entry-level claims examiners typically complete on-the-job training alongside experienced professionals. While this training prepares claims examiners for dealing with insurance companies, lawyers, physicians and claimants, it tends to be site-specific and may only cover what is needed for a particular part of the job. In this training, claims examiners can learn how to negotiate claims, understand worker's compensation policies and how to write case reports.
Step Three: Acquire Necessary Licensure or Certification
Licensing and certification requirements for worker's compensation claims examiners vary from state to state. Prospective claims examiners typically need to pass an examination and pay a fee. Licensure or certification is generally valid for at least a year. Recertification or maintaining licensure may require completing continuing education, which can include taking additional training or attending workshops.
Step Four: Advance Your Career with Further Training
Research certification requirements and look into degrees in risk management. Because requirements vary by state, it can be beneficial to know what is needed prior to pursuing licensure. For states that require an examination, this can mean becoming familiar with the topics that will be covered. A logical way to advance from an entry level job in claims examination is through a degree program in risk management.