When actuaries and claims examiners discuss and compare numbers, the resulting conversation can be fascinating. It is the claims examiner that reviews individual claim files and estimates the ultimate cost or reserve associated with each file. It is then the actuary who takes the aggregate claims data and estimates the cost of losses for the historical policy periods and coming year. The expertise and resulting analyses of both can have a tremendous impact on an employer’s program and the organization’s budgeting process. Learn more about both the reserving and actuarial forecasting process and become better prepared to ask questions and contribute to future financial discussions. Panelists will describe the reserving process from the point of view of the claims examiner, review the data and process used to complete an actuarial loss forecast, and talk about the impact these numbers have on the risk management program.