Financial Services Representative: Trainee

Join Team Unum

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

• 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.

And that's just the beginning With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary:

This position is an entry level position within the Financial Recovery Unit (FRU) where incumbents are considered trainees (FSR-T) for a minimum of 12 - 18 months while they learn and develop the skills, knowledge, and behaviors needed successfully calculate, communicate, and recover basic benefit overpayments on LTD and STD claims within a multi-system platform. The incumbent works closely with a seasoned resource to manage a claim load of limited complexity while progressively gaining the capability to handle higher claim volumes and more complex claims with increasing independence. This is a highly goal-oriented role; and the incumbent is expected to contribute meaningfully to the department's overall results. Although complexity is initially limited, the trainee will be expected to administer and recover overpayments across multiple products and systems with an expanding scope as the trainee becomes more proficient and independent.

Principal Duties and Responsibilities

Analyze claim file content and obtain necessary financial and benefit information (that may not be immediately apparent) from colleagues, customers, and external resources to determine appropriate course of action on each file.

Consistently communicate, handle overpayment calculations, and manage a caseload of claims with limited complexity, demonstrating a solid technical ability necessary to administer overpayment claims across multiple products and system applications within established turnaround times.

Negotiate and bind the Company with respect to decisions made regarding appropriateness of pursuing overpayments within the scope of authority of the FSR-T role.

Thoroughly and accurately document and code FRU actions in claim and legacy systems with supporting rationale for actions and next steps.

Secure a professional relationship with the claimant and/or employer, provide excellent customer service, demonstrate empathy, and remain open to new information. Provide prompt, accurate, and courteous responses to customers to promote the Unum brand.

Actively participate in personal developmental activities, engage in activities which support Unum Values.

Participate in special projects or other assignments as needed, including administrative duties in support of the team.

This position may also include some administrative duties in support of the team.

Job Specifications

College degree preferred or equivalent work experience

Demonstrate computer literacy and/or working knowledge of various claim systems (i.e., BAS & NaviLink)

Demonstrate strong mathematical ability.

Have strong commitment to customer service, empathy, and high work quality

Demonstrate efficient time management and ability to prioritize based on changing environments.

Work with positive intent in a highly collaborative team environment

Be self-motivated in a goal-oriented environment

Demonstrate positive adaptability to change

Solid negotiation skills

Demonstrate strong analytical skills with attention to detail

Demonstrate highly developed written and verbal communication skills which include solid negotiation skills and the ability to manage conflict effectively and professionally.

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

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

$36,000.00-$68,000.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company: Unum