Senior Claims Adjuster (Workers' Compensation)

emcins; California (MO); Remote; USD 79,000 - 120,000; Full time

Job summary

EMC is seeking an experienced workers' compensation claims professional to own complex claims, drive investigations, set reserves, and shape settlements from start to resolution. This role emphasizes analytical and negotiation skills within a client-focused environment.

This position is eligible to work from home anywhere in California, requiring a Bachelor’s degree and five years of claims adjusting experience (CA WC knowledge preferred). Occasional travel may be needed.

Qualifications

• Bachelor's degree or equivalent experience.
• Five years of claims adjusting experience or related experience.
• Prior experience with a third party administrator (TPA) preferred.
• CA workers' compensation knowledge preferred.

Responsibilities

• Analyze coverage and determine applicable policy.
• Initiate contact within 24 hours with clients, claimants, and providers.
• Conduct thorough investigations and fact-finding.
• Develop action plans to resolve claims efficiently.
• Perform reserve analysis and manage reserves.
• Review medical records for injury and treatment details.
• Identify and pursue subrogation opportunities.
• Negotiate settlements and support litigation when needed.
• Maintain documentation, updates, and client communications.

Skills

Analytical thinking

Investigative skills

Communication skills

Negotiation

Education

Bachelor's degree

CPCU coursework

Tools

Claims systems

Job description

At EMC, we're all about working together to make an impact. As part of our team, you'll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts-always supporting each other to do our best work. Join us, and let's improve lives together.

**This position is eligible to work from home anywhere in the state of California**

In this role, you'll have the opportunity to take ownership of moderately to highly complex workers' compensation claims and make a direct impact on outcomes for clients and claimants. You'll drive investigations, evaluate coverage and liability, and shape claim strategies from start to resolution-balancing thoughtful analysis with decisive action. Your expertise will be key in setting reserves, negotiating fair settlements, and identifying risk and recovery opportunities. Along the way, you'll build strong relationships with clients and stakeholders, ensure compliance with evolving regulations, and play a meaningful role in mentoring others and elevating team performance.

Essential Functions:

• Analyzes coverage to confirm losses are covered under client policies
• Initiates contact within 24 hours with all relevant parties (clients, claimants, employees, medical providers)
• Conducts thorough investigations, including fact-finding and recorded statements
• Develops and executes action plans to resolve claims efficiently
• Performs reserve analysis and sets/maintains appropriate reserves per client guidelines
• Reviews medical records and bills to assess injury, compensability, treatment, and accuracy
• Identifies risk factors and routes claims for specialized handling (SIU, subrogation, medical review) with approval
• Identifies, investigates, and pursues subrogation opportunities, including review of official reports
• Escalates complex claims and collaborates with leadership as needed
• Prepares required jurisdictional filings for workers' compensation claims
• Evaluates coverage, liability, and claim value; responds to stakeholder inquiries
• Negotiates settlements, participates in mediation, and manages payments within authority limits; recommends higher-value settlements
• Prepares and issues denial and settlement documentation; develops evaluation ranges and supports litigation, mediation, arbitration, and Medicare compliance
• Maintains diaries and action plans, provides timely responses and claim updates, conducts client consultations, coordinates vendor resources, manages reporting (including excess carriers), stays current on regulations, maintains licenses/CEUs, and supports training of team members

Education & Experience:

• Bachelor's degree or equivalent relevant experience
• Five years of claims adjusting experience or related experience
• Prior experience with a third party administrator (TPA) preferred
• INS, AIC, SCLA, WCLA and CPCU coursework or designation preferred
• Workers' compensation claims adjusting experience within the following jurisdictions preferred: CA

Knowledge, Skills, & Abilities:

• Excellent knowledge of the theory and practice of the claim function
• Excellent analytical, investigative and problem-solving abilities with respect to liability and coverage
• Thorough knowledge of insurance contracts, medical terminology and legal aspects of court procedures affecting legal liability for all lines of insurance.
• Strong computer skills, including claims systems
• Strong organizational, written, and verbal communication skills, including documentation
• Strong ability to advise, partner, and effectively consult with diverse internal and external stakeholders
• Occasional travel required; a valid driver's license with an acceptable motor vehicle report per company standards

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$78,726 - $108,771 or $87,008 - $119,646

A hiring range represents a subset of the full salary range.The actual salary will depend on several factors, includingrelevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.