WC Complex Med/Maint Adj- Charlotte, NC (Hybrid)

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Selective Insurance is seeking a Workers Compensation Med/Maintenance Adjuster for our Charlott, NC office. This is a hybrid role, 2 days in the office and 3 days remote.

Responsibility includes effective and timely communication with employer, employee, and medical provider. Manage lifetime indemnity and medical benefits. Continuous review and analysis of these claims to ensure that the reserves are appropriate. Manage administration of benefits and claim resolution. Investigates claims to determine coverage and compensability based on jurisdictional guidelines. Obtain relevant information necessary for a thorough investigation. Freeze facts of claims and make timely decisions. Provide compelling customer service. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

• Handles assigned claims from the return-to-work units with lifetime indemnity awards, lifetime medical awards, and claim petitions. Collaborate with Workers Compensation Analyst from Strategic Case Unit as these claims tend to carry high exposure (upwards of $1M).
• Handles non-indemnity claims (no lost time within waiting period), medical causality, denied claims (not compensable and not covered), and medical claim petitions. Establishes initial and subsequent reserves on medical only claims with a general exposure of less than $25,000.
• Processes claims which include the following activities: Making contacts, setting reserves, evaluating claims for exposure, establishing timely reserve adjustments during the life of the file, making timely payments, and resolution. May adjust reserves accordingly with a general exposure of $75,000.
• Documents claims files and maintain control of work through documentation or diary system.
• Perform timely live-well checks on claimant and dependents.
• File state forms timely in accordance with statutory guidelines.
• Ensures compliance with company, state, and federal regulations.
• Handle disputed facts, benefits, compensability, coverage, medical causality, and relatedness.
• Receives assigned claims from the medical only unit with treatment beyond 60 days.

Knowledge and Requirements

• Knowledge of workers compensation statutes, coverage, and case law.
• Excellent written and verbal communication skills.
• Working knowledge of medical treatment and terms as related to medical only workers compensation claims.
• Critical thinking skills to assess compensability of WC claim as it relates to the facts and law.

Education and Experience

• College degree preferred.
• 1-3 years claims experience preferred.

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.