RateFast Express Adjuster FAQ

Here is a list of our industry-specific FAQs:


Q: What is RateFast Express?

A: RateFast Express is an impairment rating service used by medical providers, adjusters, and nurse case managers to create fast, accurate, and consistent impairment reports (Permanent and Stationary Reports) for workers’ compensation stakeholders.


Q: What’s included in the RateFast Express impairment report?

A: The RateFast Express Impairment Report includes all elements needed for case settlement.

  1. Summary of history, examination and diagnostic testing relied upon.
  2. Whole Person Impairment (%WPI) with references to the AMA Guides and state-specific rulesets.
  3. Apportionment
  4. Future Care
  5. Work Status


Q: How does RateFast Express work?

A: Case documents are securely sent to RateFast Express.

The impairment report is created, formatted, and returned within 3 to 5 business days.

Depending on the plan, RateFast collects payment either from the provider or the insurance carrier.


Q: What do I need to submit from the chart for RateFast Express to create my impairment rating report?

A: Doctor’s First Visit (DFR), the last Primary Treating Physician’s (PTP) report, surgical reports, the latest diagnostic tests, and consultant reports.


Q: How accurate are RateFast Express impairment ratings?

A: RateFast Express impairment reports are among the most accurate and rigorous in the industry. When generating an impairment rating, RateFast Express analyzes all relevant parts of the patient’s chart using proprietary algorithms with direct QME oversight to ensure consistency, objectivity, and reproducibility.


Q: Where can I see a sample RateFast Express impairment report (Permanent and Stationary Report)?

A: Click here to view a sample RateFast Express impairment report.


Q: How do I get started with RateFast Express?

A: Call (707) 304-7150 or email express@rate-fast.com


Q: Why do I need RateFast Express to create an impairment rating report for me?

A: Impairment reports are required on all recordable industrial injuries in accordance with state guideline and labor code to determine loss and settlement of the claim. Creating accurate impairment reports are confusing and time consuming for Primary Treating Physicians. RateFast saves insurance adjusters valuable time to spend on other claims and avoiding letters of inquiry on incorrect or incomplete impairment reports. By using RateFast Express, insurance carriers save resources by closing claims quickly and eliminating the need for expensive QMEs.


Q: Will Primary Treating Physicians (PTP) and state regulators accept RateFast Express reports?

A: RateFast Express reports are impairment ratings created on the basis of the medical provider’s own report of signs, symptoms and physical exam findings. The rating rule set (e.g. AMA Guides 5th Edition) are directly applied to the content of the report. In areas, where the AMA Guides are less defined, proprietary weight averaged values are used to prepare the data prior to application of the values. This approach to impairment rating is historically well accepted by carriers and regulators who value accurate and objective report results. In California, RateFast Express impairment reports (Permanent and Stationary PR-4 Reports) are delivered with a state licensed medical doctor/QME signature. The PTP may simply review the report and adopt it as the record of rating if he/she agrees with the report findings.


Q: What if a stakeholder (e.g. PTP, Rating Unit, or attorney) has questions regarding the report?

A: RateFast Express will review any letters of inquiry and create a response for our client within 3 to 5 business days at no additional charge.


Q: How much does the RateFast Express impairment reporting service cost insurance carriers?

A: RateFast Express yields a 22:1 return on investment for stakeholders compared to sending cases out to slow and expensive Qualified Medical Evaluations (QME), Agreed Medical Exams (AME) or Independent Medical Exams (IME) services which may cost thousands of dollars and take months to years to complete. A QME, AME or IME offers no guarantee of more accuracy or consistency than RateFast Express. RateFast express is a fraction of these costs: RateFast costs $975 for the first body part rated and includes 50 pages of document review. Additional body parts are $750 each and includes an additional 50 pages of document review. Additional page fees of $150 apply for each multiple of 25 pages submitted.


Q: How do I submit my first case to RateFast Express?

A: Download this form, complete the information, sign, and securely fax or email the chart to RateFast Express. Include: Doctor’s First Visit (DFR), the last Primary Treating Physician’s (PTP) report, surgical reports, the latest diagnostic tests and consultant reports.