What is the first thing an insurance company staff adjuster must determine in handling a workers compensation injury claim?

In handling a workers' compensation injury claim, the primary responsibility of an insurance company staff adjuster is to ascertain whether coverage was in effect at the time of the injury. This foundational step is crucial because it determines the very eligibility of the claim. If the coverage isn’t in place, the insurer may not be liable to provide benefits, regardless of the injury's extent, type, or the employer's safety record.

Understanding coverage entails reviewing the policy details, including the dates and conditions under which the employee was covered. Without confirming active coverage, the adjuster cannot proceed to assess the injury or benefits. Therefore, verifying coverage first ensures that claim handling follows appropriate legal and procedural standards before delving into other aspects such as the specifics of the injury or the employer's history.