As an Independent Adjuster (IA) I work for multiple insurers. Am I required to have a separate User ID and Password for each company I work with?
In most cases IA’s will have a separate sign-on for each company that authorizes them to access the HCAI system.
The system allows for a single sign-on for parent/child companies (e.g., parent company XYZ also owns company ABC. XYZ may set-up the subsidiary company as a Child insurer. Users may be given one User ID and password to access work lists with both the Parent and Child companies.
Separate companies not related by the Parent-Child relationship must have separate User IDs to ensure security and privacy requirements are satisfied. There are different ways to manage this situation: a user could have multiple User IDs which intuitively represent the company to whom s/he is employed (e.g., Angela Smith working for XYZ insurance may choose a User ID such as “asmithxyz”, and when working for company ABC she may choose a username “asmithabc”). If you are working for multiple companies and the managing of user names may become problematic then you may wish to discuss with the Insurer you are working for your potential User name as the Insurer User Administrator will be responsible for the creation of user names.
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Will Insurers be responsible to set-up and monitor IA’s profiles that are working on their behalf?
Insurers are responsible for their users (internal and external). If an Insurer has a relationship with one IA firm and wishes to assign them a level of access and role that would allow them to set-up their own Users, this will be at the discretion of the Insurer. The HCAI system is flexible and can easily accommodate this type of interaction.
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In some scenarios the IA firm is the first party to receive information that a claim has occurred and is assigned to someone to handle. With the HCAI system must claims be set-up only by the Insurer and assigned by the Insurer to an Independent Adjuster?
The HCAI system is quite flexible in this respect. If an IA firm is the first to be notified of the claim and the previous workflow was for the IA to set-up the claim and assign it to an adjuster in-house, HCAI should not disrupt this workflow. At the Insurers discretion, IA firms can be assigned access and roles enabling claim set-up and assignment.
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Are Independent Adjusters (IAs) set up in the system as part of the Insurer’s branch or do they have their own branch?
IAs are generally seen as an extension of Insurer’s in-house staff. IAs can be set-up as adjusters to be assigned claims within existing branches or, if an IA firm has a relationship with an Insurer such that they receive a large portion of outsourced work, the insurer may choose to set-up the IA firm with their own branch. IAs can be set-up with a level of access that permits them only to view claims and claimants assigned to them and the OCF forms submitted for their claimants.
When working for Insurers a discussion should take place to determine the best structure to match your business relationship.
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