Senior Workers' Compensation Claims Adjuster

RCM&D; Cockeysville (MD); Hybrid; USD 90,000 - 125,000; Full time

Job summary

RCM&D in Hunt Valley, MD, is seeking a Senior Workers' Compensation Claims Adjuster for a full-time hybrid role. You will manage complex workers’ compensation claims from report to resolution, coordinating with employers, injured workers, medical providers, attorneys, and carriers.

The position requires in-depth knowledge of workers’ compensation regulations, experience in claims management, and the ability to analyze medical and wage data, negotiate settlements, and contribute to implementing

Qualifications

• End-to-end Workers’ compensation claims oversight.
• Strong knowledge of insurance principles and regulations.
• Experience with Employee Benefits interactions.
• Certifications such as AIC/ARM/CPCU are beneficial.
• Hybrid work environment experience.

Responsibilities

• Manage complex workers’ compensation claims from initial report to resolution.
• Investigate, assess coverage, and determine compensability.
• Evaluate medical and wage-loss exposures and establish reserves.
• Negotiate settlements in line with company guidelines.
• Coordinate with employers, injured workers, medical providers, attorneys, and carriers.
• Prepare reports and maintain detailed documentation.
• Participate in claim reviews and drive process improvements.

Skills

Workers' compensation

Claims handling

Customer service

Regulatory knowledge

Analytical thinking

Communication skills

Hybrid work capability

Education

Bachelor's degree in a related field

Tools

Claims management software

Job description

Company Description RCM&D is ranked among the top independent insurance advisory firms in the United States, providing strategic solutions in risk management, insurance, and employee benefits. Backed by more than 140 years of industry experience, the firm combines strong local, national, and global reach to support clients’ diverse business objectives. RCM&D is part of Unison Risk Advisors™, a privately held, majority employee-owned insurance brokerage and risk management organization formed through the merger of Oswald Companies and RCM&D in 2020. Unison encompasses seven partner companies and their subsidiaries, offering a broad network of resources and expertise. This structure provides team members with opportunities to grow within a collaborative, client-focused environment.

Role Description The Senior Workers' Compensation Claims Adjuster is a full-time, hybrid role based in Hunt Valley, MD, with flexibility to work from home part of the time. This role is responsible for managing complex workers’ compensation claims from initial report through resolution, including investigation, coverage analysis, and determination of compensability. The adjuster will evaluate medical and wage-loss exposures, establish and adjust reserves, and negotiate settlements in alignment with company guidelines and applicable regulations. Day-to-day responsibilities include coordinating with employers, injured workers, medical providers, attorneys, and carriers to ensure timely and accurate claims handling. The role also involves preparing reports, maintaining detailed documentation, participating in claim reviews, and contributing to process improvements that enhance claim outcomes and client satisfaction.

Qualifications

• Demonstrated expertise in Claims Handling and Claims Management, including end-to-end oversight of workers’ compensation files.
• Strong knowledge of Insurance principles and workers’ compensation regulations, with the ability to interpret policy language and statutory requirements.
• Experience working with Employee Benefits programs and understanding their interaction with workers’ compensation and disability claims.
• Proven Customer Service skills, with the ability to communicate clearly, manage expectations, and build trust with clients and claimants.
• Several years of experience as a workers’ compensation claims adjuster, preferably in a senior or complex claims role.
• Ability to analyze medical reports, wage data, and legal information to make sound, timely decisions.
• Strong organizational skills, attention to detail, and proficiency with claims management systems and standard office software.
• Relevant professional certifications (e.g., AIC, ARM, CPCU) and/or a bachelor’s degree in a related field are beneficial.
• Capacity to work effectively in a hybrid environment, collaborating with on-site and remote team members.