Senior Claims Adjuster

Senior Claims Adjuster (Loss Time & Workers Comp)

Department: Commercial
Location: Remote (need to be located in MD)
FLSA Status: Exempt

Grow With Us

At RCM&D, our employees are also owners, invested in our work, our clients, and our communities. We're looking for a Client Executive who values collaboration, takes pride in their contributions, and wants to grow with a firm where shared success truly matters.

Our Just Cause

Together, we're creating a future where success is shared and communities thrive.

1. Our solutions and expertise empower our clients to realize opportunities, generate wealth and improve wellbeing.
2. Our shared ownership model aims to create prosperity for all colleagues that share our values and embrace our cause.
3. Our generosity with both our time and money moves our communities forward .

Who We Are

RCM&D, a Unison Risk Advisors company and 2025 Awarded Best Places to Work is ranked among the top independent insurance advisory firms in the United States. Founded in 1885, we leverage our 140+ years of experience and strong local, national and global reach to meet clients' business objectives.


We are relationship-driven, growth-minded, and deeply committed to doing the right thing for our clients, colleagues, and communities.

The Role

The Senior Claims Adjuster manages and resolves Workers' Compensation claims (primarily Maryland) by investigating, evaluating compensability, coordinating medical care, and overseeing claim progression to timely and cost-effective resolution in compliance with jurisdictional requirements.


What You'll Do

• Investigate, evaluate, and manage indemnity Workers' Compensation claims through resolution.
• Determine compensability, including conducting recorded statements and reviewing claim details.
• Coordinate and monitor medical treatment; communicate with providers regarding employee condition, history, and job requirements.
• Serve as liaison among employees, employers, medical providers, and internal teams to ensure clear communication and appropriate workplace accommodations.
• Review medical documentation and ensure application of appropriate guidelines (e.g., AMA standards).
• Manage litigated claims, including collaboration with defense counsel and participation in hearings, mediations, and trials as needed.
• Prepare and file required jurisdictional forms and maintain compliance with regulatory requirements.
• Establish and manage claim reserves based on probable outcomes.
• Calculate and issue indemnity payments; review and approve medical payments.
• Maintain accurate and timely claim documentation, action plans, and diaries within the claim system.
• Provide regular claim status updates and strategic recommendations to clients and carriers.
• Coordinate vendor resources (e.g., nurse case managers, vocational specialists) as appropriate.
• Prepare claim summaries and participate in client claim review meetings.
• Develop and maintain strong client relationships through proactive communication and service.
• Adhere to organizational procedures and support overall team and operational objectives.
• Document activity in claim processing system, Spear.
• Additional job duties as assigned.

What You Bring

Required Qualifications

• High school diploma or GED required; some college preferred.
• 5+ years of Workers' Compensation or related claims handling experience.
• Strong written and verbal communication skills.
• Ability to build relationships and collaborate effectively with internal and external stakeholders.
• Highly organized with strong attention to detail, prioritization, and time management skills.
• Ability to manage multiple claims, meet deadlines, and perform effectively under pressure.
• Analytical mindset with ability to interpret data and make sound decisions.
• Adaptable, flexible, and able to navigate change and shifting priorities.
• Proficient in Microsoft Office; experience with claim management systems preferred.
• Demonstrated commitment to client service and continuous learning.

How You Show Up (Our Core Values in Action)

Successful team members at RCM&D are:

• Reliable & Dependable - We build trust through reliability and consistency in everything we do
• Inspiring, Passionate & Positive - We are passionate about our work and inspire others through out dedication, positive attitudes and enthusiasm
• Driven by Integrity & Trust - We do what's right, even when it's hard or when no one is watching
• Selfless Team Players - We succeed together as a team by putting the needs of our clients and colleagues above our own
• Entrepreneurial & Solutions-Oriented - We challenge the status quo and don't accept "no" as final

What We Offer

• Comprehensive benefits package
• Employee ownership through a 401(k) employer match and discretionary profit-sharing contributions
• Professional development and career growth opportunities
• Flexible work arrangements (remote and hybrid options) with a flexible paid time off approach

Equal Opportunity Employer

RCM&D, a Unison Risk Advisors company and founding member of Assurex Global, is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.