Life Waiver Benefits Specialist Trainee
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Portland, ME 04104
Job Posting End Date: 03/07
Unum is a company of people serving people. As one of the world’s leading employee benefits providers and a Fortune 500 company, Unum’s financial protection benefits help protect more than 36 million working people and their families from the financial impact of illness or injury. Unum’s three distinct, but similarly focused US businesses – Unum US, Colonial Life, and Starmount Life – are each a market leader in making disability, life, accident, critical illness, dental, and vision insurance accessible in the workplace.
Headquartered in Chattanooga, Tennessee, Unum has significant US operations in Portland, Maine, Worcester, Massachusetts, and Glendale, California with over 35 field offices nationwide. Colonial Life is headquartered in Columbia, South Carolina with over 40 field offices nationwide. Starmount Life is based in Baton Rouge, Louisiana, and is the dental and vision center of excellence for Unum in the US.
General Summary:General Summary This is an entry level position within the Benefits Organization. Incumbents in this role are considered trainees and are assigned a formal mentor for 6-12 months until they are assessed as capable of independent work. Incumbents are primarily responsible for learning and developing the skills, knowledge and behaviors necessary to successfully adjudicate a high volume of assigned claims, in accordance with our claims philosophy and policies and procedures. Incumbent must demonstrate the ability to effectively manage an assigned caseload, the ability to exercise discretion and independent judgment and the ability to appropriately render timely claim decisions, demonstrating strong customer service prior to movement to exempt level benefits specialist role.
Principal Duties and Responsibilities
+ Develop skills to manage a large volume of claims; ensuring appropriate sign offs are obtained. Caseload size may vary by product(s).
+ Develop an understanding and working knowledge of Unum products, policies/procedures and contracts.
+ Develop an understanding of the applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers as well as regulatory and statutory requirements for claim products administered.
+ Apply contract/policy knowledge and analyze technical contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions and appropriate payee.
+ Develop problem solving skills by demonstrating analytical/ logical thinking, recognizing multiple connections, optimizing results by choosing the best strategies resulting in fair and objective claim decisions.
+ Verify on-going liability and develop strategies for return to work opportunities as appropriate. Develop and strengthen claim validation and return to work techniques, where applicable.
+ Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively verbally communicate determinations.
+ Develop knowledge and effectively utilize a broad spectrum of materials and tools regarding contractual, medical, vocational, disability and RTW strategies, as required.
+ Develop an operating knowledge of the applicable claims system(s).
+ Coordinate and share information with other products as appropriate.
+ Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries.
+ Maintain expected service and quality standards on all assigned claims.
+ Protects the Company against extra-contractual liabilities by following established guidelines and regulations.
+ May perform other duties as assigned.
+ High School Diploma or equivalent, required
+ Customer service / decision making experience and/or College experience.
+ Able to utilize claim evaluation techniques to identify and evaluate claim information in a timely, fair and objective manner.
+ Detail oriented; able to analyze and research contract information.
+ Able to maintain a high level of confidence to make fair and appropriate decisions even in the face of disagreement, while also being open and flexible to changing opinion based on new information.
+ Demonstrated ability to operate with a sense of urgency and make balanced decisions with the highest degree of integrity and fairness.
+ Able to influence others to reach appropriate and constructive conclusions.
+ PC skills are essential; ability to operate effectively in an imaged environment.
+ Demonstrated ability to multitask and balance goals and priorities effectively in a high-volume environment.
+ Self-motivated, independent with proven ability to work effectively on a team and work with others in a highly collaborative team environment.
+ Excellent customer service skills.
+ Strong communication; verbal, written, and listening, as well as strong interpersonal skills
+ Possess analytical and problem-solving skills
Unum and its family of businesses offer world-class training and development, generous compensation and benefits packages, and a culture built on employee ideas.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person’s race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
A Fortune 500 company, Unum’s family of 10,000 employees spans three countries and dozens of office locations. Our employees focus each day on delivering financial protection benefits to millions of workers and their families when they need it most.
The Unum enterprise includes Unum in the U.S. and U.K., Colonial Life and Starmount Life Insurance – each a market leader in making disability, life, accident, critical illness, dental and vision insurance accessible in the workplace.
Unum is committed to working with and providing reasonable accommodations for any applicant with a disability. If you are disabled and need a reasonable accommodation to participate in the application or hiring process please contact us by submitting a request here.