Adjuster in the Loop at Every Step

From First Notice of Injury to Claim Closure

AdjudiCLAIMS guides claims examiners through every phase of the CA WC claim lifecycle. The examiner makes every decision — the AI provides the factual information, statutory citations, and procedural guidance needed to make it correctly.

The Claim Lifecycle

Eight Phases. Every Step Statutory.

01

First Notice of Injury

A new claim arrives. AdjudiCLAIMS logs the receipt date, creates the claim file, and immediately activates all five regulatory deadline clocks: acknowledgment (15 days), first TD payment (14 days from employer knowledge), accept/deny (40 days), 90-day presumption, and delay notification cycle (30 days). Every clock cites its statute.

Authority:10 CCR 2695.5(b); LC 4650; LC 5402(b)
02

Document Upload + AI Analysis

Upload medical records, QME/AME reports, DWC forms, and correspondence. AI provides 99%+ OCR accuracy on scanned documents and extracts diagnoses, WPI ratings, work restrictions, treatment history, and causation opinions — with citations to specific pages. 5–10 minutes vs. 2–4 hours manual review.

Authority:LC 4600; 8 CCR 10101
03

Three-Point Contact Protocol

Guided workflow for contacting the injured worker, employer, and treating physician. Every contact attempt — successful or not — logged contemporaneously. Employer date of knowledge captured for correct deadline calculation. Investigation completeness assessed before coverage determination.

Authority:10 CCR 2695.5(e); 8 CCR 10109
04

Coverage Determination

Factual AOE/COE assessment guided by the Coverage Determination workflow. Legal complexity triggers identified (disputed causation, cumulative trauma, apportionment) and routed to YELLOW zone — defense counsel consultation flagged before determination. Accept, delay, or deny with documented factual basis.

Authority:Ins. Code 790.03(h)(5); 10 CCR 2695.7(b)
05

TD Benefit Initiation

AWE computed from 52-week wage records. TD rate calculated at 2/3 of AWE, bounded by injury-year statutory min/max. First payment issued within 14 days of employer knowledge — not claim acceptance. Recurring biweekly schedule established. 10% self-imposed penalty calculator for any late payment.

Authority:LC 4650; LC 4653
06

Medical Management + UR

Treatment requests matched against 2024 MTUS guidelines. Evidence-based medicine basis cited for every UR decision. QME/AME process managed from panel request through report receipt. Medical billing overview provides aggregate financial picture.

Authority:LC 4610; MTUS (2024)
07

Ongoing Compliance + Audit Readiness

Every action logged to the 7-year immutable audit record. Supervisor compliance dashboard shows deadline status across the entire portfolio. DOI audit response workflow organizes documentation. The claim log is the audit record — every step documented.

Authority:8 CCR 10103; Ins. Code 1858
08

Claim Closure

Structured closure checklist: final benefit payments verified, all liens resolved, reserves run-off confirmed, documentation complete, audit readiness confirmed. Every closure leaves a complete claim record that survives a DOI audit.

Authority:LC 5500.5; 8 CCR 10109

Built for the Industry

Designed for CA Workers' Compensation. Nothing Else.

AdjudiCLAIMS is purpose-built for California claims professionals — not adapted from a generic claims platform.

CA WC Regulatory Coverage

34 regulatory sections, all major deadlines, statutory citations on every screen.

HIPAA-Grade Security

BAA available. Zero-trust infrastructure. Immutable audit trail. 7-year retention.

Human in the Loop

AI provides information. The examiner makes every decision. No automation without consent.

See AdjudiCLAIMS Walk Through a Real Claim