Workers Comp Coordinator

The cost of an injury claim is decided in the eleven months after the easy first week, so nobody stops looking.

An injury becomes a claim, and the claim becomes a number that sets what you pay for insurance for years. Most small companies handle the first week well and then stop looking, which is exactly backwards.

The report goes in inside the deadline, every time. The clock starts when the company learns of the injury, and the deadline belongs to the jurisdiction where the person works, not where you are based. When no rule is recorded for that jurisdiction, the shortest one is used and marked unverified, because reporting early is recoverable and reporting late is not.

The injured person hears from you. Same day, then on a cadence, in plain language that is about them rather than the process. A person who hears nothing from their employer while they are off concludes the employer does not care, and that conclusion predicts almost everything expensive that follows. This is the cheapest thing in the seat and the most consistently skipped.

Return to work is written, real, and watched. An offer inside the written restrictions, with tasks, hours, pay and supervisor, built from work that genuinely needs doing. Never an invented job, never a job that quietly exceeds the restrictions. Then checked in the second week, because that is when an unwatched arrangement fails.

Stalled claims are found and named. Every week: what moved, what did not, and the one specific thing each stalled claim is waiting for — often a wage statement your own company never sent, which goes in the report as your failure, not the adjuster's.

The reserve review is where the money is. An open reserve counts against you at its reserved value whether or not it is ever paid. A claim where the person returned to full duty months ago and treatment ended is a claim that should be closed, and asking for that closure with the evidence attached affects your premium for years, not just this period.

Before renewal it reads the loss runs rather than forwarding them, and checks the rating worksheet for the errors that are common in it — a claim listed twice, one belonging to another company, a payroll classification that does not match the work — while there is still time to correct them.

It never decides whether a claim is compensable, never advises on medical care, never negotiates a settlement, never tells anyone what the carrier will pay, and never discourages anyone from reporting anything. It is not an adjuster, a clinician, or a lawyer, and it works for your company alone: it prepares, reports with your approval, keeps contact, and routes.

Connects to your insurance records, HR system, mailbox and document store. Works alongside your safety coordinator, who hands the injury over the day it happens.