Claims Examiner

Job Title: Claims Examiner – Life, Accident, Critical Illness, LTC, and Hospital Indemnity As a Claims Analyst specializing in Accident, Critical Illness, Short-Term Disability, and Hospital Indemnity lines of business, you will be responsible for accurately assessing and processing claims related to these insurance products. Your role will involve investigating claims, verifying policy coverage, determining liability, and ensuring compliance with regulatory requirements. Strong analytical skills, attention to detail, and empathy are essential for this position as you will interact with claimants, healthcare providers, and other stakeholders to facilitate timely and fair claim settlements. Key Responsibilities Claims Processing and Assessment Evaluate incoming claims to determine eligibility, coverage, and validity. Conduct thorough investigations, including reviewing medical records and other relevant documentation. Analyze policy provisions and contractual agreements to assess claim validity. Utilize claims management systems to document findings and process claims efficiently. Communication and Customer Service Communicate effectively with policyholders, beneficiaries, and healthcare providers regarding claim status and requirements. Provide timely responses to inquiries and maintain professional and empathetic communication throughout the claims process. Address customer concerns and escalatcomplex issues to senior claims personnel or management as needed. Compliance and Documentation Ensure compliance with company policies, procedures, and regulatory requirements. Maintain accurate records and documentation related to claims activities. Follow established guidelines for claims adjudication and payment authorization. Quality Assurance and Improvement Identify opportunities for process improvement and efficiency within the claims department. Participate in quality assurance initiatives to uphold service standards and improve claim handling practices. Collaborate with team members and management to implement best practices and enhance overall departmental performance. Reporting and Analysis Generate reports and provide data analysis on claims trends, processing times, and outcomes. Contribute to the development of management reports and presentations regarding claims operations. Qualifications Bachelor's degree in business administration, insurance, healthcare management, or a related field (or equivalent work experience). Prior experience in claims processing, preferably in Accident, Critical Illness, LTC, and/or Hospital Indemnity insurance. Knowledge of insurance principles, policies, and practices related to accident, critical illness, LTC, and hospital indemnity lines of business. Strong analytical and problem-solving skills with the ability to interpret complex documents and policies. Excellent communication skills, both verbal and written, with a customer-focused approach. Proficiency in using claims management software and Microsoft Office Suite (Excel, Word, Outlook). Preferred Skills ACS and/or ALHC Designation Experience with medical terminology and healthcare billing practices. Understanding of regulatory requirements governing claims processing in the insurance industry. Attributes Demonstrated strong punctuality and attendance practices. Detail-oriented with a commitment to accuracy and thoroughness. Ability to work effectively in a team environment and independently when necessary. Strong organizational skills with the ability to prioritize and manage multiple tasks. Adaptable to changing priorities and comfortable working in a fast-paced environment. Remote work environment role with regular business hours (9:00am – 6:00pm Eastern). Occasional overtime or weekend work may be required during peak periods or to meet deadlines. Opportunities for professional development and career advancement within the claims department or broader insurance organization. The candidate must possess a curiosity and willingness to actively adopt and leverage emerging AI tools to improve workflows, solve problems, and drive efficiency along with being comfortable using a range of AI-enabled tools (such as copilots, chat-based AI, and automation solutions) as part of everyday work #J-18808-Ljbffr Enoah Isolutions Inc. in