Under what condition may an insurer or adjuster pay a fee to someone acting as an adjuster?

The correct option focuses on the requirement that an individual must be duly licensed to act as an adjuster before an insurer or adjuster can legally pay them a fee. In Minnesota, as in many jurisdictions, the role of an adjuster is regulated, and having the proper licensing is crucial to ensure that the individual has met the necessary educational and ethical standards set forth by the state.

Being licensed signifies that the person has completed required training and examinations, which helps maintain integrity and professionalism within the workers' compensation system. This requirement protects the interests of both the insurers and the claimants, ensuring that only qualified individuals are involved in the claims process.

While being a long-term employee, having prior experience, or belonging to a professional association may contribute positively to one's qualifications, none of these criteria alone are adequate for receiving payment as an adjuster. The key element is the legal certification that comes with being duly licensed, which is a fundamental requirement in the industry.