Claim Representative II - Workers' Compensation

Blue Cross Blue Shield of Michigan; Northern (KY); Hybrid; USD 57,000 - 95,000; Full time

Job summary

AF Group in the United States seeks an intermediate-level claim handler to manage moderate to difficult workers’ compensation claims. You will apply discretion in compensability and reserves, with a focus on timely resolutions and subrogation opportunities.

The role requires a Bachelor’s degree and 3 years of workers’ compensation experience, strong communication, negotiation, and the ability to work across jurisdictions. Remote work options may be available.

Qualifications

• Bachelor’s degree in a related field; continuous learning encouraged.
• Three (3) years of workers’ compensation claims experience; multi-jurisdiction experience preferred; bilingual skills a plus.
• Certification progress toward certification is highly preferred and encouraged.

Responsibilities

• Verifies workers’ compensation coverage of employers and injured employees.
• Determines compensability by thorough investigation of the claim.
• Determines causal relationship between injury and incident to ensure appropriate payment of benefits.
• Facilitates return to work for the injured employee.
• Establishes timely and appropriate reserves based on the claim profile and authority.
• Documents specifics of claims with potential for subrogation recovery.
• Manages medical bills for related claims and approves payments.
• Negotiates settlements within authority to bring cases to final disposition.
• Works with manager on complex files or cases above settlement authority.
• Manages outside vendors to contain costs and maintain relationships with customers.
• Stays updated on workers’ compensation statutes and related laws.

Skills

Oral & written communication

Customer service

Negotiation & conflict resolution

Education

Bachelor’s degree in a related field

Certification progress toward certification

Tools

Company standard software

Job description

Compensation: Competitive Compensation and Benefits Package

About Us

AF Group’s focused and passionate team uses industry-leading best practices, analytics and resources to manage risk and minimize loss for our policyholders while strengthening businesses with our valued independent agent partners.

We strive to continuously increase the long-term value of our organization by outperforming our industry peers and fostering a culture of underwriting and claims excellence.

This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the determination of ...

Compensation

Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market, and other ...

Work is performed in an office setting or remote with no unusual hazards. Minimal travel required.

Responsibilities

Claims

Verifies workers’ compensation coverage of employers and injured employees.Determines compensability under workers’ compensation by thorough investigation of the ...

Administration

Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.

Management

Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.Works closely with manager ...

Performance

Stays abreast of changes in workers’ compensation statutes, case law and rehabilitation efforts/advancements in order to accurately interpret and apply relevant ...

Requirements

Education

Bachelor’s degree in a related field. Continuous learning, as defined by the Company’s learning philosophy, is required. Certification or progress toward certification is highly ...

Experience

Three (3) years of experience in a workers’ compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing ...

Skills

Effective oral and written communication skills.Effective customer service skills.Ability to negotiate, build consensus and resolve conflict.Ability to manage ...

Knowledge

Ability and proficiency in the use of computers and company standard software specific to position.Knowledge of medical and legal terminology related to ...

About Us

AF Group’s focused and passionate team uses industry-leading best practices, analytics and resources to manage risk and minimize loss for our policyholders while strengthening businesses with our valued independent agent partners.

We strive to continuously increase the long-term value of our organization by outperforming our industry peers and fostering a culture of underwriting and claims excellence.

AF Group (Lansing, Mich.) and its subsidiaries are a premier provider of innovative insurance solutions. Insurance policies may be issued by any of the following companies within AF Group: Accident Fund Insurance Company of America, Accident Fund National Insurance Company, Accident Fund General Insurance Company, United Wisconsin Insurance Company, Third Coast Insurance Company, or CompWest Insurance Company.

View Summary

Company: AF Group

Location: United States, USA

Level: Non-Manager

Compensation: Competitive Compensation and Benefits Package

JobFamily: Claims Processing

Industry: Insurance Services

Overview

This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority.
PAY RANGE:Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market, and other potential factors. It is not the standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $56,700 and $94,900.
WORKING CONDITIONS:Work is performed in an office setting or remote with no unusual hazards. Minimal travel required.

Responsibilities

• Verifies workers’ compensation coverage of employers and injured employees.
• Determines compensability under workers’ compensation by thorough investigation of the claim.
• Determines causal relationship between the reported injury and the incident to ensure appropriate payment of benefits.
• Facilitates return to work for the injured employee.
• Establishes timely and appropriate reserves based on the profile of the claim within given authority based on anticipated financial exposure.
• Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.
• Manages medical bills for non-indemnity and indemnity claims directly associated with the claimed injury.Approves payment based on knowledge of the treatment plan and medical support showing relationship of treatment to the injury.
• Concludes and closes files following resolution of claims to meet internal performance standards while complying with state legislation to avoid penalties and manage expenses.
• Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.
• Works closely with manager on complex files or files above settlement/reserve authority.
• Manages outside vendors to ensure cost containment efforts.
• Establishes and maintains effective working relationships with all internal and external customers.
• Stays abreast of changes in workers’ compensation statutes, case law and rehabilitation efforts/advancements in order to accurately interpret and apply relevant laws.
• Administers complex claims and catastrophic exposures within authority, including claims from dedicated large accounts.
• Exercises independent judgment to settle cases prior to mediation or litigation.
• Actively participates in agent/client relationship management.
• Assists in mentoring team members.

Requirements

EDUCATION AND EXPERIENCE

Relevant combination of education and experience may be considered in lieu of degree.

• Bachelor’s degree in a related field. Continuous learning, as defined by the Company’s learning philosophy, is required. Certification or progress toward certification is highly preferred and encouraged.
• Three (3) years of experience in a workers’ compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing, investigating and closing workers’ compensation claims. Experience of handling claims in multiple jurisdictions preferred. Bilingual skills preferred.
• OR
• One (1) year of AF Group Claims Representative I experience that includes handling of difficult or complex claims.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

OTHER SKILLS AND ABILITIES

• Ability and proficiency in the use of computers and company standard software specific to position.
• Knowledge of medical and legal terminology related to work.
• Knowledge of workers’ compensation laws and regulations, including jurisdictional laws.
• Effective oral and written communication skills.
• Ability to negotiate, build consensus and resolve conflict.
• Ability to manage multiple priorities and meet established deadlines.
• Attention to detail and analytical skills.
• Ability to work independently as well as within a team.
• Ability to make independent decisions.
• Ability to solve complex problems.

This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves. Negotiates and settles claims within given authority.