Combined Insurance, a Chubb Company, is seeking a Life Insurance Claim Adjuster to join our fast-paced, high energy, growing company. We are proud of our tradition of success in the insurance industry of over 100 years. Come join our team of hard-working, talented professionals!

Job Summary 

The Life Insurance Claims Adjuster is a role in a high-energy, fast-paced, changing environment.  The Claims Adjuster is responsible for contacting claimant and /or service provider to request basic information needed in order to process claim - includes written correspondence and phone calls. They will evaluate claims based on documentation received including responses from claimant and providers. The Claims Adjuster will have the opportunity to engage with individuals in many departments based on the candidate’s interests and skillsets. These departments range from our Policyholder Center of Excellence, Agent Broker Service Center, or General Financial Services. 

The supplemental insurance products we offer at Combined include cash benefits to our customers when they need them most, in times of sickness or disability.   We need individuals who believe that what we do every day in the insurance business is an important and worthwhile endeavor.  This is a business that is focused on restoring people’s lives after they have suffered a loss. 

Responsibilities 

Efficiently and accurately adjudicate claims under Life Insurance coverage in accordance with the policy, established guidelines and regulations.  Conduct eligibility claim review by evaluating claim submission and comparing to policy benefits.  Request additional information from policyholders, providers and others as necessary to finalize claim.  Actively manage inventory and ongoing claim adjudication.  Effectively communicate with customers using empathy and professionalism via phone and written correspondence.  Interface with Policyholders and Agents answering a variety of questions through different service channels – phone, email and web. Build broad understanding of our products and systems. Meet Department standards for time, service and quality.  Ability to maneuver between system applications confidently to find information and respond to customer needs in a timely manner. Collaborate with other team members and leadership to ensure effective resolution of customer needs, follow-up and workflow. Actively engage in Continuous Improvement initiatives and identify process and efficiency enhancements.  Performs other duties as assigned

COMPETENCIES 

Problem Solving: Takes an organized and logical approach to thinking through problems and complex issues.  Simplifies complexity by breaking down issues into manageable parts. Looks beyond the obvious to get at root causes. Develops insight into problems, issues and situation.     Continuous Learning: Demonstrates a desire and capacity to expand expertise, develop new skills and grow professionally.  Seeks and takes ownership of opportunities to learn, acquire new knowledge and deepen technical expertise. Takes advantage of formal and informal developmental opportunities. Takes on challenging work assignments that lead to professional growth   Initiative: Willingly does more than is required or expected in the job.  Meets objectives on time with minimal supervision.  Eager and willing to go the extra mile in terms of time and effort. Is self-motivated and seizes opportunities to make a difference.   Adaptability: Ability to re-direct personal efforts in response to changing circumstances. Is receptive to new ideas and new ways of doing things. Effectively prioritizes according to competing demands and shifting objectives. Can navigate through uncertainty and knows when to change course   Results Orientation: Effectively executes on plans, drives for results and takes accountability for outcomes. Perseveres and does not give up easily in challenging situations. Recognizes and capitalizes on opportunities. Takes full accountability for achieving (or failing to achieve) desired results   Values Orientation: Upholds and models Chubb values and always does the right thing for the company, colleagues and customers. Is direct truthful and trusted by others. Acts as a team player. Acts ethically and maintains a high level of professional integrity. Fosters high collaboration within own team and across the company; constantly acts and thinks “One Chubb” 

Skills

Bilingual in Spanish and English strongly preferred Exceptional written and verbal communication skills  Quality and Customer Centric Orientation    Excellent organizational skills      Ability to multi-task in fast-paced environment with attention to detail    Analytical skills and good decision-making skills  Proficient in MS Office – Outlook, Word and Excel Keyboard Skills – 30+ wpm Windows based PC Knowledge

Education and Experience 

Bachelor’s Degree in Business or related field from an accredited four-year institution 2 years Life Claim adjudication experience in life insurance preferred Experience in a customer interfacing position with progressive responsibility in role Leadership role in school or community Ability to communicate in multiple languages – English, Spanish (Bilingual a plus) Medical terminology knowledge Industry courses from organizations such as ICA, AHIP, LOMA preferred