Senior Claims Advocate

Consistent with our service philosophy of speed, accuracy, and style, this individual analyzes, evaluates, and determines final decision for all types of claims processed within the department, including complex claim types. Member Complaint resolution and active involvement in procedure development are also required.

This role will require responsibility for multiple types of complex claims which may include all types of Life Insurance, Contestable, Accidental Death, Accidental Injury, Accidental Dismemberment, and Rider Claims. The Senior Claims Advocate settles whether to approve or deny a claim based upon a thorough evaluation of each individual claim. These evaluations include, but are not limited to, in-depth medical and physical history, occupational history, financial background, and prior claim history. They will consult with claims consultant and management, reinsurers, medical director, risk management, legal, in accordance with department guidelines. They may take referral cases from others and provide secondary signature on files within prescribed limits and authority. This individual will assist with the development and training of less expert claims staff on a regular basis, and will act as a company representative for litigated claims and may also assist with projects and other duties as assigned.

• Bachelor degree, medical certification, or equivalent work experience.
• FLHC Designation required within 24 months of starting position.
• Minimum 7 years’ experience in Life/Health/Auto Insurance Claims experience preferred.
• Life insurance underwriting experience including knowledge and understanding of medical conditions, impairments and the financial and legal aspects of risk selection and other factors pertaining to acceptability and assessment of life insurance applications, preferred.
• Demonstrates significant knowledge and understanding of insurance contracts, reinsurance, MIB, medical impairments, financial documents, and tools used to investigate and resolve claims.
• Demonstrates significant knowledge regarding legal aspects and statutory guidelines including Fair Claims Practices, HIPAA, Privacy, and ACLI guidelines.
• Proficient using internet based applications and Microsoft office products, specifically Word and Excel.
• Able to perform basic mathematical calculations to include addition, subtraction, multiplication, division, and percentage.
• Able to work hours as required by business needs (may include flex scheduling, irregular hours, weekends, and holidays).

We offer a variety of social programs, flexible work hours and family-friendly benefits to all of our employees.

• Pension and Retirement Plans
• Medical, Dental and Vision Coverage
• Paid Time Off
• Paid Parental Leave
• Hybrid Work Environment
• 401K
• Support for Community Involvement

This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.