Sandra F. Murray, AIC, AIS, ARM

**** **** ***. *

Bradenton, FL 34207

615-***-****

acudyg@r.postjobfree.com

FL License #D035215

I am a multi-talented person with primary experience in Accounting and Insurance and advanced skills in:

Microsoft Office Applications & Internet Research

Teamwork & Leadership

Financial Management: Cost & Risk Control

Written and Verbal Communication

PROFESSIONAL EXPERIENCE:

Workers Compensation Claims Examiner – Lost Time/Litigation – FL – Michigan Commercial Insurance Mutual: October 2015 to March 2016

Investigation of the claim through resolution. Includes initial 3 point contacts, obtain recorded statements, determine compensability, evaluating losses, review and authorization of medical care and payment of disability benefits as well as negotiating settlements. Identify and address need for MSA’s and annuities to offset costs. Identify and pursue potential subrogation. Interact with claimants, policyholders, attorneys, and other third parties throughout the claims management process.

Workers Compensation Claims Adjuster – Lost Time/Litigation - CA – Workforce Business Services: July 30, 2014 to October 2015

Review of all CA lost time and litigation claims to confirm handling is aggressive and ensure quality as well as cost effectiveness for a professional employment organization (PEO). Make recommendations regarding medical treatment requests, legal direction including final settlement pursuits and SIU assignments. Multi-tasking skills are required due to large case load; strong customer service is necessary due to interaction with multiple parties (clients, nurse case managers, attorneys and investigators). Recommend negotiation of settlements including the use of annuities and MSA’s. Recommendation of the pursuit of subrogation of third party recoveries.

Workers Compensation Claims Administrator – Free State Staffing/Oasis Outsourcing: March 2014 to July 2014

Assist clients, employees and adjusters with nationwide lost time and litigation claims for a professional employment organization (PEO). Review handling and follow up on the claims management to ensure quality as well as cost effectiveness. Assist in settlement handling. Multi-tasking skills are required due to large case load; strong customer service is necessary due to interaction with multiple parties (insureds, claimants, nurse case managers, attorneys). Recommend negotiation of settlements including the use of annuities and MSA’s. Recommendation of the pursuit of subrogation of third party recoveries.

Senior Field Specialist (part time) – Bird Insurance Specialist: September 2009 to October 2013

Field investigation of Property and Casualty claims. Includes taking statements, accident scene investigation, obtaining needed documents, attend mediations, surveillance and report review when manager out of the office. Computer programs used include Internet, Microsoft Excel, Word and Movie Maker, audio recording software and photographic software.

Workers Compensation Claims Examiner - Berkley Risk Administrators Co.: November 2006 to June 2009

Reviews and investigates initial and ongoing lost time and litigation claims to determine compensability, establish reserves, and administer claims management to settlement for Georgia and Tennessee. As Georgia claims were in run-off due to policies not being sold any longer, settlement of over 120 claims were completed during my employment period. Multi-tasking skills are required due to large case load; strong customer service is necessary due to interaction with multiple parties (insureds, claimants, physicians, nurse case managers, attorneys). Negotiation of settlements including the use of annuities and MSA’s along with state reports and related filings. Pursues subrogation of third party recoveries on behalf of client.

Independent Contractor – Self: January 2005 to November 2006

Independent Insurance Adjuster - My services include first party property claims involving Sinkhole losses. In depth review of engineering reports and background check to determine compensability and make recommendations for claims handling. Field inspection with preparation of repair estimates as well as review of contractor submitted bids. Assist in litigation review of disputed causation.

Loss Control Inspector – My services include field inspection of all types of commercial properties for policy compliance and safety concerns. Measurement and computer diagram drawing skills were required.

Tower Hill Insurance Group: February 2001 to December 2004

Property Claims Adjuster/Examiner – My position started as a Property Claims Adjuster and promoted to a Property Claims Examiner for first party homeowner and commercial claims. Initial claims handled included lightning, hail and theft advancing to include fire, sinkhole and water/mold losses. Investigation and review of field reports/estimates along with referrals to Special Investigation Unit (SIU) if warranted. Litigation handling of disputed claims.

Auto Casualty Claims Adjuster – My position handled personal lines auto loses. Review of field inspections of damages and assignment of repairs. Determine compensability and liability per State of Florida statutes.

Claims Service Representative – Nationwide Insurance, Gainesville, FL: February 1996 to February 2001

Duties included: processing of personal/commercial claims involving property, liability and workers compensation received via phone, fax, e-mail, answering service or handwritten. Contacted insureds and claimants to verify incomplete claims received and completed assigned claims to proper level of Claim Representative. Assisted in quality checking of claims processed by other CSR’s and assisted other CSR’s as a floater for the Call Center.

EDUCATION:

Excelsior College, Albany NY - Bachelor’s Degree (BS): Risk Management & Insurance

Santa Fe Community College, Gainesville, FL - Associate Degree (AS): Data Processing

Associate Degree (AA): Accounting

Insurance Institute of America - designations: Associate in Claims (AIC), Associate in Insurance Services (AIS) and Associate in Risk Management (ARM)

COMMUNITY SERVICE:

Archer Community School PTA – May 2005 through May 2006 – office held: Treasurer

Creek Wood Band Boosters – July 2009 to June 2011

Dickson County Gardening Partners – September 2009 to June 2010

Dickson County Band Boosters – July 2011 to June 2013

Dickson County Forensics Volunteer & Judge – September 2011 to present

LICENSES:

Florida All Lines Adjuster – D03215

Georgia Workers Compensation Non-resident Adjuster – 779841

No other licenses are active at this time but have held claims adjuster licenses in Tennessee as well as producer license in Tennessee.

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