The Role
Handle workers' compensation claims by investigating incidents, interviewing parties, evaluating liability and policy obligations, setting reserves, preparing reports, coordinating settlements, administering benefits, and assisting team leaders and attorneys to minimize exposure and resolve claims promptly.
Summary Generated by Built In
Major Duties & Responsibilities
- Under close supervision, receive assignments and review claim and policy information to provide background for investigation and may determine the extent of the policy’s obligation to the insured, depending on the line of business.
- Contact, interview, and obtain statements (recorded or in person) from insureds, claimants, witnesses, physicians, attorneys, police officers, etc., to secure necessary claim information.
- Evaluate facts supplied by the investigation to determine the extent of liability of the insured, if any, and the extent of the company’s obligation to the insured under the policy contract.
- Prepare reports on investigations, settlements, denials of claims, and individual evaluations of involved parties.
- Set reserves within authority limits and recommend reserve changes to the Team Leader.
- Review progress and status of claims with the Team Leader and discuss problems and suggested remedial actions.
- Prepare and submit to the Team Leader any unusual or potentially undesirable exposures.
- Assist the Team Leader in developing methods and improvements for handling claims.
- Settle claims promptly and equitably.
- Obtain releases, proofs of loss, or compensation agreements and issue company drafts for payments on claims.
- Inform claimants, insureds/customers, or attorneys of claim denials when applicable.
- Assist the Team Leader and company attorneys in preparing cases for trial by arranging for witness attendance and taking statements. Continue efforts to settle claims before trial.
- Participate in claim file reviews and audits with customers/insureds and brokers.
- Administer benefits timely and appropriately. Maintain control of the claims resolution process to minimize current exposure and future risks.
- Preferred Qualifications: 1-3 years' experience in handling workers' compensation claims in Florida/Georgia/Alabama is preferred, with prior experience at ESIS or similar third-party administrators being advantageous, and/or Bachelor’s degree or equivalent experience.
- Industry Knowledge: Strong familiarity with workers' compensation laws, medical terminology, and best practices in claims handling is preferred.
- Technical Skills: Demonstrated proficiency in claims management systems and the Microsoft Office Suite.
- Communication Skills: Excellent written and verbal communication skills, enabling effective interactions with external investigative sources and insureds over the phone.
- Team Collaboration: Proven ability to contribute effectively within a team environment, providing and receiving constructive feedback while identifying growth opportunities for both self and colleagues.
- Analytical Skills: Strong analytical and problem-solving abilities to navigate complex scenarios efficiently.
- Organizational Skills: Capable of managing multiple priorities and meeting deadlines in a fast-paced work environment.
- Customer Focus: Strong commitment to customer service, with a proactive approach to addressing and supporting customer needs.
- Judgment and Decision-Making: Confidence in personal judgment, with the ability to support and defend decisions made.
- Commitment to Excellence: Dedicated to maintaining high standards of behavior and performance.
- Adaptability: Flexible in adapting approaches and behaviors to fit specific situations effectively.
- Positive Representation: Strong focus on building and maintaining a positive image for Chubb and ESIS.
Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.
Skills Required
- 1-3 years experience handling workers' compensation claims (Florida/Georgia/Alabama)
- Prior experience at ESIS or similar third-party administrator
- Bachelor's degree or equivalent experience
- Familiarity with workers' compensation laws, medical terminology, and claims best practices
- Proficiency in claims management systems
- Proficiency in Microsoft Office Suite
- Excellent written and verbal communication skills
- Ability to contact and obtain statements from insureds, claimants, witnesses, physicians, attorneys, and police
- Ability to evaluate investigation facts to determine liability and company obligation under policy
- Ability to set reserves within authority and recommend reserve changes
- Ability to prepare investigative and settlement reports and manage claim documentation
- Experience arranging witness attendance, assisting with trial preparation, and effort to settle prior to trial
- Strong analytical and problem-solving abilities
- Organizational skills to manage multiple priorities and meet deadlines
- Customer service focus and proactive support of customer needs
- Ability to work effectively in a team and provide/receive constructive feedback
- Sound judgment and decision-making confidence
- Commitment to high standards of behavior, adaptability, and positive representation of the company
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The Company
What We Do
Chubb is the world’s largest publicly traded property and casualty insurance company. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs 31,000 people worldwide. Additional information can be found at: chubb.com.
