Claims Representative

Pinnacol Assurance; Denver (CO); On-site; USD 60,000 - 64,000; Full time

Benefits offered by this job

20 days paid time off

On-site fitness facilities

Volunteer program

Job summary

Pinnacol Assurance is seeking a Claims Representative in Denver to manage claims, liaise with stakeholders, and ensure timely resolution. The role focuses on proactive claims management, accurate investigations, and coordination of medical and return-to-work resources.

The ideal candidate has 2+ years of customer service experience, comfort with multiple systems, and will complete required training within six months. Denver-based, with competitive benefits and growth opportunities.

Qualifications

• 2+ years of direct customer service experience.
• Comfortable using technology and multiple systems.
• Must complete training and claims assessments within six months.

Responsibilities

• Manage claims and related issues for expedient resolution with quality service.
• Investigate compensability and communicate decisions to stakeholders.
• Proactively manage open claims with medical and disability management.
• Coordinate resources for claim management and return-to-work processes.
• Read medical records to ensure treatment plans are authorized and appropriate.

Skills

Customer service

Communication skills

Tech proficiency

Job description

Pinnacol Assurance does just one thing, and does it better than anyone: provide caring workers’ compensation protection to Colorado employers and employees. And while we may be a little biased, we believe that our work shapes communities and changes lives.

We have big hearts and love big ideas. We’ve been around for more than 100 years, but don’t let that fool you. Pinnacol is committed to taking care of Colorado employers and workers in the most innovative ways. We celebrate continuous improvement, new ideas, compassion, teamwork, integrity and excellence.

What you’ll do:

• Work with team members to strategically and proactively manage claims and claim-related issues to the most expedient, cost‑effective resolution; provide quality customer service to all stakeholders. Identify claims that need additional management and work with team members to resolve concerns or elevate to the appropriate level.

What you can expect:

• Contact stakeholders as required by Company best practices on incoming claims to promptly investigate circumstances of accident and injury, investigate and determine compensability, and identify and address red flag issues, including late reporting, pre‑existing medical issues, designated medical provider process and referral issues, medical treatment issues, legal issues, and potential subrogation and penalty issues. Manage the relationships with your stakeholders in order to obtain timely and accurate information. Effectively communicate your decisions and evaluate for customer understanding.
• Determine compensability as required by Company best practices, case law and the Colorado Workers’ Compensation Act.
• Proactively manage open claims as required by Company best practices, including expedient and cost‑effective medical case management, disability management and litigation management as well as identification, investigation, management and resolution of potential adverse claim development, including prior injuries, comorbid and pre‑existing medical conditions, migrating body parts, worsening medical conditions and delayed recovery, change of physician requests, multiple claims, multiple jobs, subrogation, penalties and offsets, etc.
• Facilitate all necessary resources on a timely basis for optimal claim management, action plan development and claim resolution, including other claims team members, Claims Lead, Claims Owners, Underwriter, Business Director, Legal resources, Return‑to‑Work Consultant, Safety Consultant, Medical Case Manager, Utilization Review, MedPay Liaison, Provider Relations Specialist, Claims Director, Claims Specialist and Claims Manager.
• Proactively communicate and correspond with stakeholders as needed to manage and resolve open claims, including but not limited to policyholders, injured workers, agents, medical providers, service vendors and resources, attorneys and regulatory agency representatives.
• Facilitate early return to work for injured workers by working with policyholder, and Return‑to‑Work Consultant if needed.
• Facilitate and coordinate benefit authorization and payment on compensable claims as required by Company best practices, case law and the Colorado Workers’ Compensation Act.
• Evaluate and negotiate claims for settlement as required by Company best practices.
• Educate and inform policyholders and agents on workers' compensation and the status of individual claims status and significant development as required by Company best practices.
• Review all medical information received on claims periodically in order to determine if authorization/payment is appropriate, or a referral is needed to other Company resources (utilization review, medical case manager, physician advisor, or others) as required by Company best practices and in compliance with DOWC Rules of Procedure.
• Set and maintain current, accurate and adequate reserves on all open claims according to company best practices.
• Prepare for, attend and testify at settlement conferences and hearings as determined appropriate by leadership.
• Evaluate medical bill referrals to determine relatedness to claim and appropriateness of the bill as required by Company documented best practices. Authorize payment of the bill or deny bill by obtaining appropriate supporting documentation. Communicate decisions to billers and parties to the claim.
• Read and analyze medical records in order to maintain a current and accurate understanding of a claim’s medical progress. Recognize when a treatment plan is outside of the authorized care. Communicate with internal and external resources to assist stakeholders with their management of the treatment plan. Process records as required by Company documented best practices.

ADDITIONAL DUTIES

• Serve as resource to other claims representatives as requested by the business team as well as the claims discipline as needed.
• Serve on projects and committees as requested.
• Continue education toward management of increasingly more complicated claims to prepare for Claims Representative II.
• Other duties as requested.

What you need to be successful:

• In addition to the competencies outlined below, a successful candidate will have 2 or more years previous experience working directly with customers and is comfortable managing difficult conversations. Must be comfortable using technology and multiple systems. Must successfully complete training and claims assessments within six months.

WORK ENVIRONMENT / PHYSICAL ACTIVITIES:

• Regular attendance required. Extensive telephone and computer work in an office environment. Attend marketing visits with agents and/or policyholders as required.

DISCLAIMER:

• This description is not an exhaustive list of all duties, responsibilities or qualifications associated with this job.

We can’t do our work without people like you.

Our employees are extraordinary and committed to making a difference. Here’s some of the ways we show our appreciation.

• Our benefits go beyond the basics. You’ll get to choose from diverse benefit offerings for medical, dental and vision.
• We care about each other. We enjoy a positive, collaborative work environment. We are hard workers and high performers.
• We love who you are. Pinnacol is on a journey to embody diversity, equity and inclusion. We’re committed to creating a culture that deeply values differences, where everyone feels like they belong.
• Take a day (or 20!) off. Enjoy 20 paid days off your first full year plus 9 paid holidays.
• Take care of yourself. Sign up for unique wellness programs, including on‑site, company‑paid fitness facilities and classes.
• Get your learning on. We promote a learning culture to help you master your current job and cultivate the skills of the future through a variety of on‑site, online, and off‑site professional development opportunities.
• Give back and get paid. Through our employee volunteer program, Pinnacol in Action, employees receive paid time off to volunteer with Colorado nonprofits.
• Share in our success. You’ll have the opportunity to earn a quarterly incentive, up to 12 percent of your annual base salary, when your team exceeds its goals and objectives.

When we find the right person, we try to put our best foot forward with an offer that excites you. We consider what you’d like to be paid, the skills and experience you bring, what similar jobs pay in the Denver area and make sure there’s equal pay for equal work among those you’ll be working with. The compensation amount for this role is targeted at $60,000 to $64,200. Final offer amounts are determined by multiple factors including your experience and expertise and may vary from the amounts listed above.

Want to love your work? Apply today!

Pinnacol is committed to working with and providing reasonable accommodations to applicants with disabilities. To request assistance with the application process, please email recruiting_team@pinnacol.

This posting will close 15 days after being published: July 15 2026

Salary Range: $60,000—$64,200 USD