At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.
**This position can be performed remotely for candidates who reside in Iowa**
Essential Functions:
Analyzes coverage to ensure loss is covered by client policy
Initiates contact within 24-hours for both clients and claimants for general liability claims as well as with employees, clients and medical providers for worker’s compensation claims
Takes statements over the phone from insureds, claimants, and/or witnesses and resolves questions on liability and the value of claims
Sets timely, adequate reserves to cover probable company and client exposure
Secures authorization to obtain medical bills and reports, as well as requests records from medical providers
Reviews bills, invoices and receipts for accuracy
Drafts information for state filings for workers’ compensation claims, if requested
Prepares excess carrier notifications as needed
Investigates subrogation and recovery potential on every claim which includes review of police and fire department reports and pursues accordingly
Notifies people leader of complex claims that require escalation for additional expertise in handling
Anticipate customer needs, communicates decisions, defines expectations and fulfills commitments to involved parties
Maintains active diaries and plans of action
Promptly responds to all inquires
Refers requests for account inquires to Claims Management
Prepares claims summary reports for clients and participates in file reviews per client handling instructions
Responds to questions from clients, agents, claimants, lawyers or coworkers
Reviews questions of coverage, liability and the value of claims and losses, with supervisory approval
Drafts and sends denial letters upon people leader approval
Negotiates settlement amounts for damages claimed within assigned authority limits.
Makes recommendations to management for settlement amounts outside of authority limits, and follows case to conclusion for training purposes as appropriate
Issues payments within check authority limit
Remains current on jurisdictional and industry related developments within the respective line of business through internal and external training opportunities
Education & Experience:
Associate degree or equivalent relevant experience
One year of claims handling or insurance experience or related experience
Bachelor’s degree may be considered in lieu of the claim handling or insurance experience requirement
AIC, INS or other insurance related certifications preferred
Knowledge, Skills & Abilities:
Basic knowledge of the claims adjusting process
Basic knowledge of insurance contracts, medical terminology and legal aspects of court procedures affecting legal liability for all lines of insurance
Good knowledge of computers, including claims systems
Strong organizational and written and verbal communication skills, including documentation
Good investigative and problem-solving abilities
The hiring salary range for this position will vary based on geographic location, falling within either the $23-$31/hr. range or the $25-$35/hr. range. A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.
Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.
All of our locations are tobacco free including in company vehicles.
Top Skills
What We Do
EMC Insurance Companies is among the top 60 insurance organizations in the country based on net written premium, and we have more than 2,500 employees. The company was organized in 1911 to write workers’ compensation protection in Iowa. Today, EMC provides property and casualty insurance products and services throughout the United States and writes reinsurance contracts worldwide. Operating under the trade name EMC Insurance Companies, Employers Mutual Casualty Company and one or more of its affiliated companies is licensed in all 50 states and the District of Columbia.
