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Unum · 12 hours ago

Associate VB Claims Specialist

Chattanooga, TN

Full-time

Hybrid

New Grad, Entry Level

$40K/yr - $76K/yr

Unum is a leading provider of employee benefits, committed to helping employees thrive. The Associate VB Claims Specialist role is responsible for the adjudication of voluntary benefits claims, providing technical expertise and excellent customer service while learning to manage a caseload effectively.

FinanceFinancial ServicesInsurance

Responsibilities

Maintain organizational service standards on all assigned claims demonstrating success in developing and implementing effective strategies to manage a caseload of varying size and complexity

Develop an understanding and working knowledge of Voluntary Benefits for Unum and Colonial Life, including 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

Develop skill set to determine appropriate risk management strategies through analyzing and applying technical and complex contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions, and benefits payee

Develop problem solving skills by demonstrating analytical and logical thinking resulting in the timely and accurate adjudication of a variety of simple to complex voluntary benefits claims

Develop a working knowledge of systems needed for claims adjudication

Provide excellent customer service and independently respond to all inquiries within service guidelines

Responsible for timely and accurate claims review, initiation and completion of appropriate claim validation activities, and referrals/notifications to other areas (i.e., medical assessments, billing, etc.) as appropriate

Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively communicate determinations while ensuring compliance with Voluntary Benefits procedures and all legal requirements including state regulations

Partner and coordinate file strategies utilizing specialized resources including nurses, physicians, vocational rehabilitation and assessing medical documentation, when appropriate

Ensure a timely and well communicated transfer process when transitioning integrated claims across lines of business, ensuring a coordinated and continuous claims experience for customers

Be familiar with specialized workflow requirements and performance standards for any assigned customers

May perform other duties as assigned

Qualification

Voluntary Benefits knowledgeClaims adjudicationMedical backgroundAnalytical skillsCustomer serviceCommunication skillsProblem-solving skills

Required

4-year degree preferred or equivalent work experience

Ability to develop Voluntary Benefits product knowledge and apply a best-in-class service experience

Possess strong analytical, critical thinking, and problem-solving skills

Ability to exercise independent judgment and discretion in increasingly complex claim adjudication decisions, including initial decision and ongoing medical management

Able to effectively utilize a broad spectrum of resources, materials, and tools needed to assist with the decision-making process

Strong service and quality orientation

Ability to interact effectively and professionally with claimants, employers, medical resources, attorneys, accountants, brokers, sales representatives, etc

Demonstrated ability to operate with a sense of urgency and make balanced decisions with the highest degree of integrity and fairness

Excellent communication skills, written and verbal

Meets the standards for this position, as defined in the Talent Management framework

Preferred

Medical background, voluntary benefits claims and/or disability management experience

Benefits

Award-winning culture

Inclusion and diversity as a priority

Performance Based Incentive Plans

Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability

Generous PTO (including paid time to volunteer!)

Up to 9.5% 401(k) employer contribution

Mental health support

Career advancement opportunities

Student loan repayment options

Tuition reimbursement

Flexible work environments

All the benefits listed above are subject to the terms of their individual Plans.

Company

Unum

Glassdoor3.7

Since our founding in 1848, Unum has been a leader in the employee benefits business through innovation, integrity and an unwavering commitment to our customers.

Founded in 1848