AK Claims Adjuster key terms
AK Claims Adjuster · Get comfortable with the vocabulary.
- Compensable Injury
- Related: Arising Out Of and In the Course of Employment, Presumption of Compensability
A physical harm or condition arising out of and in the course of employment that meets the statutory requirements for an award of workers' compensation benefits in Alaska.
- Arising Out Of and In the Course of Employment
- Related: Compensable Injury, Course of Employment
The two-part test linking an injury to work: it must occur while the worker is on the job and within the time and place of employment, and it must be caused by a work-related risk rather than a personal one.
- Course of Employment
- Related: Arising Out Of and In the Course of Employment, Going and Coming Rule
The time, place, and circumstances of a worker's job activity. An injury occurring during a reasonable work-related interval, including some lunch and travel periods, may fall within it.
- Going and Coming Rule
- Related: Course of Employment, Special Errand Exception
The general principle that injuries sustained while commuting to and from work are not compensable, subject to exceptions such as travel required by the employer or special hazards on the premises.
- Special Errand Exception
- Related: Going and Coming Rule, Course of Employment
An exception to the going and coming rule that makes an off-premises injury compensable when the employee was performing a task at the employer's direction or for the employer's benefit beyond the normal commute.
- Presumption of Compensability
- Related: Compensable Injury, Rebuttal Evidence
A statutory rule that certain claims, such as those for firefighters or peace officers with specified conditions, are presumed work-related unless the employer rebuts the presumption with substantial evidence.
- Rebuttal Evidence
- Related: Presumption of Compensability, Burden of Proof
Evidence offered by the employer or insurer to overcome a presumption or an employee's initial showing, such as medical records or exposure histories showing a non-work cause.
- Burden of Proof
- Related: Preponderance of the Evidence, Rebuttal Evidence
The obligation of a party to produce enough evidence to persuade the fact finder. In workers' compensation, the employee generally must prove a compensable injury by a preponderance of the evidence.
- Preponderance of the Evidence
- Related: Burden of Proof, Hearing Officer
The civil standard of proof meaning it is more likely than not that a fact is true, requiring the greater weight of the evidence rather than certainty.
- Report of Injury
- Related: Notice of Injury, First Report of Injury
The written notice an employer must file with the division after learning of a work-related injury, generally within a short statutory period, triggering the claims process and preserving the worker's rights.
- Notice of Injury
- Related: Report of Injury, Good Cause
The requirement that an employee inform the employer of a work-related injury within the statutory time limit so the employer can investigate and provide benefits; late notice may bar a claim absent good cause.
- Good Cause
- Related: Notice of Injury, Statute of Limitations
A legally sufficient reason excusing a party's failure to meet a deadline, such as late injury notice or a late filing, when the delay was reasonable under the circumstances.
- Statute of Limitations
- Related: Good Cause, Claim Filing
The statutory deadline for filing a claim or petition for benefits. Missing it can extinguish the right to benefits unless an exception or tolling applies.
- Claim Filing
- Related: Statute of Limitations, Workers' Compensation Claim
The formal step by which an injured worker or the employer requests benefits from the division, setting the issues for potential adjudication and preserving the right to seek relief.
- Workers' Compensation Claim
- Related: Claim Filing, Compensable Injury
A request for statutory benefits, including medical care, wage replacement, and permanent impairment compensation, filed by or on behalf of an injured employee.
- Temporary Total Disability
- Related: Temporary Partial Disability, Medical Stability
Wage replacement benefits paid while an injured worker is unable to work at all during the recovery period and has not yet reached medical stability.
- Temporary Partial Disability
- Related: Temporary Total Disability, Modified Duty
Benefits paid when an injured worker can return to modified or reduced-hour work but earns less than before the injury, partially replacing the lost wages during recovery.
- Permanent Partial Impairment
- Related: Impairment Rating, Permanent Partial Impairment Benefits
A permanent loss of function or bodily integrity rated under a recognized impairment guide, compensated by a scheduled payment separate from wage-loss benefits.
- Permanent Partial Impairment Benefits
- Related: Permanent Partial Impairment, Impairment Rating
Statutory compensation paid for a permanent partial impairment, typically calculated by applying a percentage rating to a statutory formula tied to the worker's wages or the state's maximum rate.
- Impairment Rating
- Related: Permanent Partial Impairment, Medical Stability
A physician's percentage assessment of a worker's permanent functional loss, usually based on a nationally recognized guide, used to calculate permanent partial impairment benefits.
- Medical Stability
- Related: Impairment Rating, Temporary Total Disability
The point at which an injured worker's condition has improved as much as it is expected to, meaning further recovery is unlikely and permanent impairment can be rated.
- Modified Duty
- Related: Temporary Partial Disability, Return to Work
Light-duty or altered work assigned to an injured employee within medical restrictions, often used to reduce disability exposure and support return to work.
- Return to Work
- Related: Modified Duty, Vocational Rehabilitation
The process of reintegrating an injured employee into employment, whether in the original job, modified duty, or a new position, which affects disability benefit eligibility.
- Vocational Rehabilitation
- Related: Return to Work, Modified Duty
Services such as job analysis, retraining, and placement assistance provided to help an injured worker return to suitable employment when the injury prevents resuming the prior job.
- Medical Benefits
- Related: Compensable Injury, Independent Medical Examination
Coverage of reasonable and necessary medical care related to a compensable injury, including treatment, hospitalization, prescriptions, and travel for care, generally without a co-pay.
- Independent Medical Examination
- Related: Medical Benefits, Impairment Rating
An evaluation by a physician chosen by the employer or insurer, rather than the treating doctor, to assess causation, work capacity, or impairment; the worker generally must attend.
- Second Independent Medical Evaluation
- Related: Independent Medical Examination, Hearing Officer
A neutral medical evaluation obtained through the division when the parties dispute the impairment rating or medical findings, intended to resolve conflicting medical opinions.
- Average Weekly Wage
- Related: Compensation Rate, Temporary Total Disability
The earnings base used to calculate wage-replacement and impairment benefits, derived from the worker's gross earnings over a statutory look-back period before the injury.
- Compensation Rate
- Related: Average Weekly Wage, Temporary Total Disability
The percentage of the worker's average weekly wage paid as disability benefits, subject to statutory minimums and maximums set annually by the state.
- Waiting Period
- Related: Temporary Total Disability, Compensation Rate
The initial number of days after an injury during which no disability benefits are paid; if disability continues long enough, benefits may be paid retroactively for that period.
- Controversion
- Related: Notice of Compensation Denial, Hearing
The insurer's formal denial or dispute of a claim or specific benefit, which must be timely filed and stated with reasons, triggering dispute resolution procedures.
- Notice of Compensation Denial
- Related: Controversion, Hearing
A written notice informing the worker that a claim or benefit is being disputed or denied, identifying the grounds and the worker's appeal rights.
- Hearing
- Related: Hearing Officer, Appeal
A formal proceeding before a hearing officer where parties present evidence and argument on disputed issues such as compensability, benefits, or penalties.
- Hearing Officer
- Related: Hearing, Appeal
The division official who conducts hearings, weighs evidence, and issues written decisions resolving disputed workers' compensation claims.
- Appeal
- Related: Hearing Officer, Hearing
The process of challenging a hearing officer's decision before a higher authority, such as the state superior court or the workers' compensation appeals body, within statutory deadlines.
- Fraud
- Related: Adjuster Ethics, Subrogation
Intentional deception to obtain benefits or avoid obligations, such as false injury claims, misrepresented wages, or concealed employment, subject to criminal and civil penalties.
- Adjuster Ethics
- Related: Fraud, Confidentiality
The professional standards requiring honesty, impartiality, confidentiality, and fair dealing in investigating and settling claims, including avoiding conflicts of interest and unauthorized practice.
- Confidentiality
- Related: Adjuster Ethics, Claims File Documentation
The duty to protect private medical, financial, and personal information obtained during claims handling, disclosing it only as authorized or required by law.
- Claims File Documentation
- Related: Report of Injury, Confidentiality
The complete written record of a claim, including reports, medical records, correspondence, and benefit decisions, which must be accurate, timely, and retained per statutory rules.
- Subrogation
- Related: Fraud, Compensable Injury
The insurer's right to recover benefits paid from a responsible third party whose negligence caused the injury, often through intervention in the worker's liability claim.