Insurance Contract Examiner

State of Maine; Gardiner (ME); Vor Ort; USD 49.000 - 69.000; Vollzeit

Benefits dieser Stelle

13 paid holidays

Vacation leave accrual with years of服务

Health insurance coverage

Retirement plan (MainePERS)

Gym membership reimbursement

Flexible spending accounts

Zusammenfassung

The State of Maine is seeking a professional to examine life and health insurance contracts for compliance with Maine law in Gardiner. You will review forms, riders, endorsements, and certificates, processing inquiries and complaints with limited supervision.

The role requires strong knowledge of life, health, and accident insurance, plus familiarity with contract law and state regulations. Excellent communication and analytical skills are essential.

Qualifikationen

• Bachelor's degree in Business Administration or related field with 2 years of insurance experience, or a 6-year combination of education/training/experience in the insurance industry.
• Knowledge of life, health, and accident insurance.
• Knowledge of contract law as it relates to insurance.
• Knowledge of state insurance laws, rules, and regulations.
• Knowledge of insurance examination and question development procedures.
• Ability to recognize conflicts in contracts (prohibited and required provisions).
• Ability to solve problems independently.
• Ability to communicate effectively.
• Ability to write clearly and effectively.
• Ability to read and understand insurance contracts.

Aufgaben

• Reviews and analyzes life, accident, and health insurance contracts to determine compliance with Maine law.
• Consults with insurance company representatives to clarify or alter contract provisions.
• Researches and evaluates insurance problems to develop solutions or changes in regulations.
• Advises Bureau of Insurance personnel with technical information.
• Responds to inquiries from the public and conducts interviews to provide information and solutions.
• Mediates settlements with life and health insurers to resolve complaints.
• Represents the agency and speaks before groups to provide information on life and health insurance.

Kenntnisse

Life/Health/Accident insurance

Contract law knowledge

State insurance laws & regulations

Insurance examination procedures

Problem solving

Effective communication

Clear writing

Reading insurance contracts

Ausbildung

Bachelor's degree in Business Administration or related field + 2 years in insurance

Jobbeschreibung

Job Details

• Department of Professional and Financial Regulation (and Boards)
• Job Class Code: 0367
• Grade: 22 (Professional/Technical)
• Salary: $49,296.00 - $68,785.60/Annually
• Location: Gardiner, ME
• Opening Date: October 14, 2026
• Closing Date: October 28, 2026
• Currently, this position is not eligible for visa sponsorship or STEM OPT extensions.

Description

This is administrative work in examining life and health insurance contracts to determine compliance with Maine law. Work includes reviewing policy forms, riders, and endorsements used by insurance companies doing business within Maine; reviewing certificates issued pursuant to out-of-state group policies as well as processing complaints, inquiries, and requests for assistance from the public regarding insurance matters. Work is performed under limited supervision.

Representative Tasks

• Reviews and analyzes life, accident, and health insurance contracts including policies, certificates, riders, and endorsements attached or included in order to determine compliance with Maine law.
• Consults with insurance company representatives in order to clarify, correct, and alter contract provisions where contracts conflict with Maine laws, rules, and regulations.
• Researches and evaluates insurance related problems in order to develop solutions including improved procedures, changes in regulations, or proposed legislation.
• Advises Bureau of Insurance personnel in order to provide technical information regarding area of expertise.
• Responds to telephone queries and/or complaints from the public and conducts individual interviews in order to solicit or provide information and provide solutions to life and health insurance related problems.
• Mediates settlements with life and health insurers in order to resolve complaints.
• Represents the agency and speaks before various groups in order to provide information regarding life and health insurance.

Knowledges, Skills, and Abilities Required

• Knowledge of life, health, and accident insurance.
• Knowledge of contract law as it relates to insurance.
• Knowledge of state insurance laws, rules, and regulations.
• Knowledge of practices and procedures of insurance and related industries.
• Knowledge of federal insurance programs.
• Knowledge of insurance examination and question development procedures.
• Ability to recognize conflicts in contracts (prohibited and required provisions).
• Ability to solve problems independently.
• Ability to communicate effectively.
• Ability to write clearly and effectively.
• Ability to read and understand insurance contracts.

Minimum Qualifications

• A Bachelors Degree in Business Administration or related field and two (2) years of experience in the insurance industry -OR- a six (6) year combination of education, training, and/or experience in the insurance industry.

Benefits of Working for the State of Maine

• No matter where you work across Maine state government, you find employees who embody our state motto-"Dirigo" or "I lead"-as they provide essential services to Mainers every day. We believe in supporting our workforce's health and wellbeing with a valuable total compensation package, including:
• Work-Life Balance - Rest is essential. Take time for yourself using 13 paid holidays, 12 days of sick leave, and 3+ weeks of vacation leave annually. Vacation leave accrual increases with years of service, and overtime-exempt employees receive personal leave.
• Health Insurance Coverage - The State of Maine pays 85%-100% of employee-only premiums ($11,857.68-$13,950.24 annual value), depending on salary. Use this chart to find the premium costs for you and your family, including the percentage of dependent coverage paid by the State.
• Health Insurance Premium Credit - Participation decreases employee-only premiums by 5%. Visit the Office of Employee Health and Wellness for more information about program requirements.
• Dental Insurance - The State of Maine pays 100% of employee-only dental premiums ($365.28 annual value).
• Retirement Plan - The State of Maine contributes 14.06% of pay to the Maine Public Employees Retirement System (MainePERS), on behalf of the employee.
• Gym Membership Reimbursement - Improve overall health with regular exercise and receive up to $40 per month to offset this expense.
• Health and Dependent Care Flexible Spending Accounts - Set aside money pre-tax to help pay for out-of-pocket health care expenses and/or daycare expenses.
• Public Service Student Loan Forgiveness - The State of Maine is a qualified employer for this federal program. For more information, visit the Federal Student Aid office.
• Living Resources Program - Navigate challenging work and life situations with our employee assistance program.
• Parental leave is one of the most important benefits for any working parent. All employees who are welcoming a child-including fathers and adoptive parents-receive forty-two (42) consecutive calendar days of fully paid parental leave. Additional, unpaid leave may also be available, under the Family and Medical Leave Act.
• Voluntary Deferred Compensation - Save additional pre-tax funds for retirement in a MaineSaves 457(b) account through payroll deductions.
• State employees are eligible for an extensive and highly competitive benefits package, covering many aspects of wellness. Learn about additional wellness benefits for State employees from the Office of Employee Health and Wellness.
• Note: Benefits may vary somewhat according to specific collective bargaining agreements and are prorated for anything less than full-time.

Equal Opportunity Employer

As an Equal Opportunity employer, Maine State Government embraces a culture of respect and awareness. We are committed to creating a strong sense of belonging for all team members, and our process ensures an inclusive environment to applicants of all backgrounds including diverse race, color, sex, sexual orientation or gender identity, physical or mental disability, religion, age, ancestry, national origin, familial status or genetics.

Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.