Workers Comp Adjuster Jobs – Can I Apply For Other States?

Workers Comp Adjuster Jobs – How To Apply If You Live Out of State

We receive this question from adjusters frequently on out of state workers comp adjuster jobs.  Can I apply for jobs in another state without having to move to that state?

The quick answer comes from a term that will help you land a workers comp adjuster job – reciprocity. Two older articles that I wrote a few years back cover this term.

Requirements to Meet

Many insurance carriers and Third Party Administrators (TPAs) allow remote adjusters (out of your homes) to apply for an out of state workers comp adjuster job if:

• You possess a valid home state license for Workers Comp – I recommend an all-lines license for subrogation purposes
• The other state or states have reciprocity with your home state

Recommended For Workers Comp Adjuster Jobs Search

How do you find out if your home state has reciprocity with the state that you wish to apply for a workers comp adjuster job?  The website that I recommend is Adjuster Pro. It did not pay me to recommend their website.

Trying to go through the laws and rules of your home state and the other state(s) can be an exercise in frustration.   Follow the previous link.  Adjuster Pro provides a nice webpage where you can see what states will allow an out of state license.

Out of State Adjuster License – Usually Simple to Obtain

Most of the time, the requirements for other states’ workers comp adjusters are:

• Fill out a form
• Pay a yearly fee
• Critical – keep your home state license valid – watch the educational requirements (CEUs)

Many law firms provide “cheat sheets” for the reciprocating state to keep you up to date on the adjusting workers comp claims.  Do not attempt to apply without having covered the state’s Workers Comp laws/rules.  You will not make it far with no knowledge of that state.

Not all states are that easy, even if your home state and the state have reciprocity.  Check out the website I recommended above to see what other requirements may have to be met.  Each state is unto its own.

One Complication

If your home state has no Workers Comp license requirement, things can become a little more complicated than if it had a license requirement. As of today, the states that do not require home state adjuster licenses are:

Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.  

See the reciprocity map page on the website I recommended earlier.  There is still a reciprocity method recommended by going through Adjuster Pro if your home state does not license adjusters.

Republished from J&L Risk Management Consultants Blog

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