Senior Claims Representative

Pinnacol Assurance does just one thing and does it better than anyone: provide caring workers compensation protection to Colorado employers and employees. And while we may be a little biased we believe that our work shapes communities and changes lives.

We have big hearts and love big ideas. Weve been around for more than 100 years but dont let that fool you. Pinnacol is committed to taking care of Colorado employers and workers in the most innovative ways. We celebrate continuous improvement new ideas compassion teamwork integrity and excellence.

What youll do:

• Work with team members to strategically and proactively manage claims and claim-related issues to the most expedient cost effective resolution; provide quality customer service to all stakeholders which includes proactive communication and follow through at all times. Identify claims that need complex management and work with team members to resolve concerns escalate to the appropriate level or secure appropriate resources. Must demonstrate consistent follow through with all stakeholders to ensure efficient and effective resolution of each issue and claim.

What you can expect:

• Contact stakeholders as required by Company best practices on incoming claims to promptly investigate circumstances of accident and injury investigate and determine compensability and identify and address red flag issues including late reporting pre-existing medical issues designated medical provider process and referral issues medical treatment issues legal issues and potential subrogation and penalty issues. Be able to manage the relationships with your stakeholders in order to obtain timely and accurate information in order to complete this process. Effectively and proactively communicate your decisions and evaluate for customer understanding.
• Determine compensability as required by Company best practices case law and the Colorado Workers Compensation Act.
• Proactively manage open claims as required by Company best practices including expedient and cost effective medical case management disability management and litigation management as well as identification investigation management and resolution of potential adverse claim development including prior injuries comorbid and pre-existing medical conditions migrating body parts worsening medical conditions and delayed recovery change of physician requests multiple claims multiple jobs subrogation penalties and offsets.
• Coordinate and oversee all necessary resources on a timely basis for optimal claim management action plan development and claim resolution including other claims team members Claims Lead Claims Owners Underwriters Business Director Legal resources Return-to-Work Consultant Safety Consultant Medical Case Manager Utilization Review MedPay Liaison Provider Relations Specialist and Claims Director.
• Proactively communicate and correspond with stakeholders as needed to manage and resolve open claims including but not limited to policyholders injured workers agents medical providers service vendors and resources attorneys and regulatory agency representatives. Correspondence includes phone email fax possible face to face meetings and accurate claim documentation.
• Facilitate early return to work for injured workers by working with policyholder and Return-to-Work Consultant if needed.
• Facilitate and coordinate benefit authorization and payment on compensable claims as well as filing all appropriate paperwork with the Colorado DOWC as required by Company best practices case law and the Colorado Workers Compensation Act.
• Evaluate claims for settlement by determining most likely medical path and return to work possibilities. May include estimation of indemnity benefits including permanent impairment. Negotiate settlement with the help of in house or external legal counsel. Negotiate settlement directly with injured workers or their counsel. Facilitate completion of settlement documents and obtain approval from the DOWC as required by Company best practices.
• Provide authority for level 1 and 2 CRs to settle claims within senior CR authority. This includes examination of their settlement evaluation coaching on opportunities where appropriate and documentation of the authority.
• Inform policyholders and agents of claim status and significant development as required by Company best practices.
• Review medical information received on claims to determine if authorization/payment is appropriate or if referral is needed to other Company resources (utilization review medical case manager physician advisor or others) as required by Company best practices and in compliance with DOWC Rules of Procedure.
• Set and maintain current accurate and adequate reserves by reviewing medical records and determining the likely future treatment for the specific injury and circumstances. Must utilize knowledge of likely treatment and outcomes for a variety of injuries as well as predict the cost of that treatment. Must actively monitor and update current reserves by re-evaluating changing circumstances on all open claims.
• Provide authority for level 2 CRs to reserve claims within senior CR authority. Review the proposed reserve provide coaching where appropriate and document the authority.
• Prepare for attend and testify at settlement conferences and hearings.
• Evaluate medical bill referrals to determine relatedness to claim and appropriateness of the bill as required by Company documented best practices. Authorize payment of the bill or deny bill by obtaining appropriate supporting documentation. Communicate decisions to billers and parties to the claim.
• Read and analyze medical records in order to maintain a current and accurate understanding of a claims medical progress. Recognize when a treatment plan is outside of the authorized care. Communicate with internal and external resources to assist stakeholders with their management of the treatment plan. Process records as required by Company documented best practices

ADDITIONAL DUTIES

• Serve as resource and mentor to level 1 and 2 claims representatives.
• Serve on projects and committees as requested.
• Maintain all Senior CR performance standards to ensure the best possible outcomes.
• Other duties as requested.

What you need to be successful:

• A successful candidate will have 3 or more years previous experience managing Colorado workers compensation claims. Must have a working knowledge of all required computer systems. Must be meeting or exceeding all CR 2 metrics and be proficient in resolving indemnity claims in a timely and cost efficient manner.

WORK ENVIRONMENT / PHYSICAL ACTIVITIES:

• Regular attendance required. Extensive telephone and computer work in an office environment. Attend marketing visits with agents and/or policyholders as required.

We cant do our work without people like you.
Our employees are extraordinary and committed to making a difference. Heres some of the ways we show our appreciation.

• Our benefits go beyond the basics. Youll get to choose from diverse benefit offerings for medical dental and vision.
• We care about each other. We enjoy a positive collaborative work environment. We are hard workers and high performers.
• We love who you are. Pinnacol is on a journey to embody diversity equity and inclusion. Were committed to creating a culture that deeply values differences where everyone feels like they belong.
• Take a day (or 20!) off. Enjoy 20 paid days off your first full year plus 9 paid holidays.
• Take care of yourself. Sign up for unique wellness programs including on-site company-paid fitness facilities and classes
• Get your learning on. We promote a learning culture to help you master your current job and cultivate the skills of the future through a variety of on-site online and off-site professional development opportunities.
• Give back and get paid. Through our employee volunteer program Pinnacol in Action employees receive paid time off to volunteer with Colorado nonprofits.
• Share in our success. Youll have the opportunity to earn a quarterly incentive up to 12 percent of your annual base salary when your team exceeds their goals and objectives.

When we find the right person we try to put our best foot forward with an offer that excites you. We consider what youd like to be paid the skills and experience you bring what similar jobs pay in the Denver area and make sure theres equal pay for equal work among those youll be working with. The compensation amount for this role is targeted at $80900 to $85600. Final offer amounts are determined by multiple factors including your experience and expertise and may vary from the amounts listed above.

Want to love your work Apply today!

Pinnacol is committed to working with and providing reasonable accommodations to applicants with disabilities. To request assistance with the application process please email

This posting will close 15 days after being published: February 20 2026