NJM Insurance Group (NJM), a top-rated insurance company, is looking for a Personal Injury Protection Representative who has excellent communication skills as well as strong organizational and time management skills. We are looking for talent with and without prior experience in the insurance industry.
Schedule: Monday through Friday (8:45AM- 5PM)
Hybrid: 3 days in office, 2 days remote once training is completed
Essential Duties and Responsibilities:
Review PIP coverages and/or identify coverage issues and investigate and analyze the loss event, the injury and other relevant information to make a determination as to coverage and course of action.
Evaluate claims for fraud indicators and potential underwriting issues and process appropriate referrals. Conduct activities in compliance with state and company regulations and guidelines.
Render final coverage determination within regulatory guidelines: Maintain communication with involved parties during the course of the claim, via written and/or verbal communication, to provide relevant determinations and/or information.
Maintain communication with involved parties during the claim, via written and/or verbal communication, to provide relevant determinations and/or information. Concisely and accurately document all actions taken throughout the course of the claim.
Manage all requests for medical treatment, durable medical equipment, PIP Care Paths, medical guidelines, and policies, internal and/or external peer reviews and/or IMEs, when required, communicate determinations to appropriate parties within three business days.
Request necessary Independent Medical Examinations and render determinations for additional treatment or termination benefits.
Establish adequate medical and non-medical benefits reserves for the life of the claim and adjust reserves, if needed.
Calculate and issue non-medical benefits (wages, essential services, death benefits).
Demonstrates knowledge in NJ and in other states and is able to apply regulatory requirements appropriately.
Understands and applies all process and regulatory knowledge associated with arbitration and subrogation. Effectively utilizes all applications and manages time and responsibilities.
Required Qualifications:
Excellent verbal and written communication skills, knowledge of Microsoft suite
Strong interpersonal and customer service skills
Good organizational, time-management, and data entry skills
Decision-making and multi-tasking capabilities
High school diploma or GED required.
Preferred Qualifications:
Bachelor’s degree
3-5 years of claims handling experience
5-7 years of claims handling experience
This role may be filled at a level I, II, or Sr.
The starting salary per level based on skills, direct experience, and credentials:
Level I (0- 3 years of direct experience) : $49,871 - $57,880
Level II (3- 6 years of direct experience): $59,744 - $75,361
Sr Level (6- 8 years of direct experience): $79,129- $91,833
Benefits Offered:
Medical Insurance (Blue Cross Blue Shield)
Dental Insurance (Delta Dental)
Vision (Delta Vision/ VSP)
Flexible Spending Account
Discounts on NJM auto insurance
Tuition reimbursement
Life insurance
Plus, additional company discounts for items like travel, service, car rental and more!
Compensation: Salary is commensurate with experience and credentials.
Pay Range: $49,871-$57,881Eligible full-time employees receive a competitive Total Rewards package, including but not limited to a 401(k) with employer match up to 8% and additional service-based contributions, Health, Dental, and Vision insurance, Life and Disability coverage, generous PTO, Paid Sick Leave, and paid parental leave in addition to state-mandated leave. Employees may also be eligible for discretionary bonuses.
Legal Disclaimer: NJM is proud to be an equal opportunity employer. We are committed to attracting, retaining and promoting a diverse and inclusive workforce that is fully representative of the diversity that exists in the communities in which we do business.
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What We Do
NJM is among the Mid-Atlantic's leading property and casualty insurers. Founded in 1913, NJM's mission is to provide value-based insurance solutions to its policyholders with the highest levels of service, integrity, and financial stewardship. The Company operates in a mutual fashion for the exclusive benefit of its policyholders. Headquartered in West Trenton, NJ, with offices in Hammonton and Parsippany, NJM employs nearly 2,500 workers.
- 2019-2023 Forbes Best In-state Employer (Ranked #11 out of 89 NJ employers in 2023)
- 2018, 2019, 2020, 2021, certified by J.D. Power for providing "An Outstanding Auto Claims Experience" for personal lines customers*
- 2018, 2019, & 2020 Clearsurance Customers’ Choice Top Ranked Insurance Companies
- 2021 American Heart Association Gold Level Workplace Health Achievement
- 2020 American Heart Association Silver Level Workplace Health Achievement
- 2019 Forbes Best Mid-size Employers in the country
*J.D. Power Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit jdpower.com.
