Benefit Specialist Trainee - Long Term Disability

Unum; Portland (ME); On-site; USD 30,000 - 42,000; Full time

Benefits offered by this job

Health Insurance

Vision Insurance

Dental Insurance

Short & Long-Term Disability

Generous PTO with volunteer time

401(k) employer contribution up to 9.5

Mental health support

Tuition reimbursement

Flexible work environments

Job summary

Unum is seeking an entry-level benefits claims trainee to learn and grow within the Claims organization. Incumbents will be assigned a mentor for 6-12 months and will develop knowledge and judgment to adjudicate assigned claims with support and guidance.

The role emphasizes critical thinking, customer service, and building expertise across contracts, policies, and regulatory requirements while handling a caseload and progressing toward independent work.

Qualifications

• Entry-level trainee role within the Benefits Organization.
• Incumbents are assigned a formal mentor for 6-12 months until capable of independent work.
• Role focuses on learning and developing knowledge to adjudicate assigned claims with critical thinking and adherence to policies.

Responsibilities

• Develop skills to manage a caseload of complex claims; caseload size varies by product.
• Learn Unum products, policies, contracts, definitions, provisions, exclusions, riders and waivers.
• Apply contract/policy knowledge to determine eligibility, liability and payees.
• Demonstrate analytical and logical thinking to solve problems.
• Provide excellent customer service and timely claim decisions with minimal supervision.
• Maintain high standards of service and quality on all assigned claims.
• Coordinate and share information with other products as appropriate.

Job description

Job Posting End Date: December 30

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:

Minimum starting hourly rate is $25.97

This is an entry level position within the Benefits Organization. Incumbents in this role are considered trainees and are assigned a formal mentor for 6-12 months until they are assessed as capable of independent work. Incumbents are primarily responsible for learning and developing knowledge and behaviors necessary to successfully adjudicate assigned claims, using critical thinking and independent judgment in accordance with our claims philosophy and policies and procedures.

Incumbent must demonstrate the ability to effectively manage an assigned caseload, have knowledge of and utilize reporting tools and metrics, the ability to exercise discretion, critical thinking and independent judgment to synthesize various sources of information (interactions with claimants, employers, financial, medical, vocational, contractual and legal) to provide timely claim decision recommendations to QCC/Director with minimal support from Mentor/Director, and demonstrate strong customer service prior to movement to exempt level benefits specialist role.

Principal Duties and Responsibilities

• Develop skills to manage a caseload of complex claims; ensuring appropriate sign offs are obtained. Caseload size may vary by product(s).
• Develop an understanding and working knowledge of Unum products, policies/procedures and contracts.
• Develop an understanding of the applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers as well as regulatory and statutory requirements for claim products administered.
• Apply contract/policy knowledge and analyze technical and complex contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions and appropriate payee.
• Develop problem solving skills by demonstrating analytical/ logical thinking.
• Take accountability of the service you provide to internal and external customers with a commitment to creating exceptional customer experiences.
• Recognizing multiple service connections through team-based approach and resource partnerships, optimizing results by choosing the best strategies resulting in fair and objective claim decisions.
• Verify on-going liability and develop strategies for return-to-work opportunities as appropriate. Develop and strengthen claim validation and return to work techniques, where applicable.
• Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively verbally communicate determinations and recommendations.
• Develop knowledge and effectively utilize a broad spectrum of supported resources (to include financial, medical, vocational and BRI support), materials and tools regarding contractual, disability and RTW strategies, as required.
• Develop an operating knowledge of the applicable claims system(s).
• Coordinate and share information with other products as appropriate.
• Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries.
• Maintain expected service and quality standards on all assigned claims.
• Protects the Company against extra-contractual liabilities by following established guidelines and regulations.
• Understanding and demonstration of Our Values and Leadership expectations.
• Take ownership and accountability for career and skill development by demonstrating commitment to personal growth and professional development.
• Assist in creating an environment that is nimble, creative, and decisive through a culture of curiosity.
• Be open to and accepting of