Manage a caseload of limited coverage and medium to severe claims with authorization to resolve cases within a designated monetary threshold.
Develop and implement impactful strategies to negotiate and resolve claims within established parameters.
Strive to achieve fair and equitable outcomes while steadfastly upholding company and departmental protocols and standards.
Deliver quality customer service to all parties involved in the claim process, ensuring prompt and efficient delivery of appropriate benefits.
Actively participate in meetings or visits with agents, insurers, and policyholders to cultivate professional relationships and facilitate effective issue resolution.
Conduct investigations into losses utilizing various techniques such as interviews, recorded statements, and thorough documentation.
Diligently gather and preserve evidence.
Identify opportunities for subrogation or instances of potential fraud.
Verify, analyze, and apply coverage correctly to each case based on a thorough analysis of facts and pertinent statutory case law.
Scrutinize bills, determine necessary actions, and process claims accordingly, prioritizing cost-effective resolutions.
Prepare concise and timely reports to facilitate efficient claims processing.
Keep agents, insurers, agency operations, and the corporate Claims Department informed of file status and pertinent developments.
Ensure accurate and timely filing of all state forms required for claims processing; prepare necessary reports for large loss and reinsurance carriers.
Establish reserves and authorize payments in alignment with established procedures.
Scrutinize contracts to evaluate risk transfer and assess duty to defend and indemnify additional insured parties.
Manage the litigation process in an efficient and effective manner.
Determine the necessity for, and provide guidance to defense counsel, independent adjusters, or technical experts, while monitoring and managing their expenses.
Attend hearings, pre-trial settlements, conferences and trials.
Assess the need for independent medical evaluations, second opinions, nurse or physician reviews, and make referrals.
Evaluate the need for external services such as surveillance, field adjusters, or field case managers or coordinating referrals.
Maintain detailed documentation of claims activity in claim notes, regularly reviewing and updating diaries and claim notes for all open claims.
Meet or exceed expected quality performance guidelines to uphold service standards.
Participate in professional development through training programs to stay updated on workers’ compensation laws, rules, and regulations.
Identify cases necessitating large loss and/or reinsurance reports, ensuring comprehensive management.
Conduct thorough file reviews at various stages of the claims process.
Contribute to the training of workers’ compensation claim staff under the guidance of management.
Serve as a technical expert and offer support to management.
Monitor litigated files to ensure adherence to litigation management protocols.
Utilize Insurance Service Office (ISO) decision net and claim search inquiries.
Respond to complaint calls and other inquiries, excluding those related to Department of Insurance (DOI) complaints, with professionalism and efficiency.
Performs other duties as assigned.
Requirements
Bachelor's degree or equivalent combination of education and/or experience in the insurance field
Five or more years of workers’ compensation experience including complex case processing
Licensed in multiple jurisdictions with a professional claims designation
Knowledge of applicable state laws across territories of operation
Knowledge of claims policy, procedures, fiduciary guidelines and best practices
Skill in interpersonal interactions, with the ability to collaborate effectively with individuals at all organizational levels and with external stakeholders; skill in customer service, problem-solving time management and conflict resolution
Capacity to work autonomously while ensuring transparent communication with internal leadership
Skill in planning, time and organizational management; ability to multi-task effectively while paying attention to detail
Proficient in both verbal and written communication with the ability and commitment to maintain confidentiality
Proficient with Microsoft Office Suite and function specific software applications
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