Claims Specialist

• Review, investigate, and adjudicate life, accidental injury & death, simple annuity, and rider claims (including disability waiver and accelerated benefit claims).
• Analyze claim documentation, policy contracts, statutory requirements, and determine accurate claim outcomes within authority limits.
• Refer claims exceeding authority to senior claims staff.
• Calculate benefits and applicable statutory interest.
• Communicate with claimants, beneficiaries, legal representatives, and other stakeholders via phone, email, and written correspondence.
• Conduct interviews with beneficiaries or next of kin when needed.
• Prepare clear written communications, including adverse decision letters.
• Provide secondary signature approval and guidance to less-tenured claims examiners.
• Interpret insurance policies, contract language, and reinsurance guidelines.
• Refer cases to reinsurance when required by treaty terms.
• Represent claims department in legal processes if necessary.
• Maintain accuracy, compliance, and proper documentation.
• Participate in team projects and assist with other claims as assigned.
• Support team goals and foster a collaborative environment.

Claims Examiner II

Claims Representative – Auto

Claims Examiner, Bodily Injury – Litigation

Claims Examiner

Hazmat Claims Adjuster

Claims Examiner – Auto NF, PIP, MP