Hi, I’m
Patricia Lorman
Sr. Claims Adjuster
Denver,CO
Summary
Perceptive, diligent and motivated Senior Claims Adjuster with experience developing, evaluating and implementing policies aimed toward improving quality, efficiency and engagement. Analytical thinker, skilled at developing innovative solutions to complex problems. Adept at creating positive customer experiences to build and strengthen relationships to boost cohesive and fiscally prudent operations.
Overview
26
years of professional experience
5
years of post-secondary education
Work History
City And County Of Denver - Risk Management/WCUDenver, CO
Senior Claims Adjuster
09.2004 - Current
Job overview
- Manage workers' compensation claims of varying complexity in accordance with internal risk management policies, minimizing liability by leveraging expertise and available tools.
- Perform in-depth research and investigations; analyze complex and technically difficult claims.
- Manage and direct claims through well developed action plans to appropriate and timely resolution.
- Administer, allocate and monitor fiscal reserves; manage financial adequacy through life of claim.
- Educate employees and supervisors how to control risks at front line, including how to interpret and apply sound policies.
- Maintain and update claims data in Riskonnect (RMIS) software for accurate reporting.
- Synthesize data for quarterly review reports with agency representatives, HR, Leave Team, and Safety Coordinators.
- Coordinate ongoing efforts to strengthen risk culture.
- Mitigate risks with well-developed strategies for reducing future claims and costs
Farmers Insurance GroupDenver, CO
Commercial Claims Specialist
01.2002 - 09.2004
Job overview
- Resolved complex, severe exposure claims using high service oriented file handling.
- Toured customer locations quarterly to evaluate damage, provide loss control strategies and enhance relationships.
- Advised senior managers on policy strategies for reducing liability and preventing losses.
- Reviewed police reports, medical treatment records, and physical property damage to determine extent of liability.
- Evaluated and prepared summaries of subrogation status, payments, and policy coverage.
- Successfully operated within tight deadlines and fast-paced environment
Pinnacol AssuranceDenver, CO
Senior Claims Adjuster
03.1999 - 12.2001
Job overview
- Provided oversight of junior level adjusters in coverage evaluation, reserve assessment, liability determination, settlement negotiation and feasibility of litigation.
- Conducted quarterly team member compliance audits to identify gaps in processes and procedures. Submitted strategies for improvement.
- Established and maintained accurate reserves with authority of $750,000.
- Improved team customer satisfaction scores through application of superior conflict resolution and problem-solving skills.
- Conducted comprehensive interviews of witnesses and claimants to gather facts and information
Farmers Insurance GroupDenver, CO
Commercial Claims Adjuster
06.1997 - 03.1999
Job overview
- Reported to managers on customer concerns, field conditions, safety and policy issues.
- Maintained contact with Spanish speaking claimants and attorneys to determine medical treatment status and benefits.
- Analyzed information gathered by investigations to determine liability, potential exposure and reported findings.
- Negotiated, stipulated and determined fair settlement agreements to resolve disputes between policy holders, claimants and attorneys.
- Conducted day-to-day administrative tasks to maintain information files and process paperwork.
Education
University of Colorado At BoulderBoulder, CO
Bachelor of Arts from Political Science And Spanish Literature
09.1988 - 05.1993
Skills
Problem analysis and resolution
Cost reduction
Policy and procedure improvements
Data Collection & Research
Vendor management
Partnership development
Documentation proficiency
Customer and personnel training
Self-Motivated
RMIS Systems
Decision-Making
Timeline
Senior Claims Adjuster
City And County Of Denver - Risk Management/WCU
09.2004 - Current
Commercial Claims Specialist
Farmers Insurance Group
01.2002 - 09.2004
Senior Claims Adjuster
Pinnacol Assurance
03.1999 - 12.2001
Commercial Claims Adjuster
Farmers Insurance Group
06.1997 - 03.1999
University of Colorado At Boulder
Bachelor of Arts from Political Science And Spanish Literature
09.1988 - 05.1993
Accomplishments
- Collaborated with Industrial Hygienist to create and implement noise induced hearing loss claims process. Researched and instituted noise exposure questionnaire to guide liability determination. Established partnership and negotiated terms with hearing aid vendor resulting in 50% cost savings on hearing aids.
- Received Innovator Award through Department of Finance Rewards & Recognition program for initiating and executing electronically recorded statements for claims team.
- Aligned vendors, internal and external physical therapists, physician offices and medical bill reviewer to contain Durable Medical Equipment costs to achieve $7,500.00 per referral savings.
- Submitted and facilitated automation of business workflow, leveraging RMIS software to better serve the claims team and reduce manual processes.
- Proposed standardized operating procedures for Return to Work Coordinator and RN staff to enhance early intervention role, clarify roles and responsibilities, and to improve claims outcomes.
- Composed interview questions and participated on panel to hire RTW Coordinator.
- Revised RFP for Occupational Health Providers to better define scope of work, deliverables and criteria for selection.