Insurance Contract Examiner

MaineGuide; Gardiner (ME); On-site; USD 49,000 - 69,000; Full time

Benefits offered by this job

13 paid holidays

12 days sick leave

3+ weeks vacation leave

Health insurance

Job summary

The Department of Professional and Financial Regulation (and Boards) in Gardiner, ME is seeking an experienced administrative professional to examine life, accident, and health insurance contracts for compliance with Maine law. You will review forms, riders, endorsements, and certificates issued by insurers doing business in Maine, handling inquiries from the public with limited supervision.

Responsibilities include contract analysis, consultation with insurers to resolve conflicts, and

Qualifications

• Bachelor's degree in Business Administration or related field; 2 years experience in the insurance industry.
• Or a 6-year combination of education, training, and/or experience in the insurance industry.
• Knowledge of life, health, and accident insurance.

Responsibilities

• Reviews and analyzes life, accident, and health insurance contracts to ensure compliance with Maine law.
• Consults with insurance company representatives to clarify or modify contract provisions that conflict with laws, rules, or regulations.
• Researches insurance-related problems and develops solutions or improved procedures.
• Advises Bureau of Insurance personnel with technical information in area of expertise.
• Responds to inquiries and conducts interviews to provide information and resolve life/health insurance issues.
• Mediates settlements with life and health insurers to resolve complaints.

Skills

Insurance knowledge

Contract law

Communication

Reading comprehension

Education

Bachelor's degree

Job description

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.

REPRESENTATIVETASKS: 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,ANDABILITIESREQUIRED: 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.

MINIMUMQUALIFICATIONS: 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.

For additional information about this position please contact Julie Gagne @ [e-mail]

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.

There's a job and then there's purposeful, transformative work. Our aim is to create a workplace where you can learn, grow, and continuously refine your skills. Applicants demonstrate job requirements in differing ways, and we appreciate that many skills and backgrounds can make people successful in this role.

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.

If you’re looking for a great next step, and want to feel good about what you do, we’d love to hear from you. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.

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