Senior Consultant , Senior Financial & Subrogation Liaison

Sun Life Financial; Wellesley (MA); On-site; USD 73,000 - 109,000; Full time

Benefits offered by this job

Vacation & sick time

Family leave

Medical coverage

Life and AD&D insurance

Disability programs

401(k) match

Job summary

Sun Life U.S. is seeking a Senior Financial & Subrogation Liaison to partner with our subrogation vendor on recovering STD and LTD benefits.

You will evaluate liability, assess losses, and negotiate settlements with appropriate parties, while ensuring compliance with policy and contract language. You will train and coach Claims staff, interpret complex disability language, manage vendor relationships, and identify subrogation opportunities to maximize recoveries for Clients and Carrier Partners

Qualifications

• Minimum 3 years related work experience with disability product line experience required.
• 5 years of LTD and STD experience preferred.
• Proven interpersonal, analytical and negotiation abilities.

Responsibilities

• Investigate and pursue subrogation for STD and LTD recovery.
• Negotiate settlements to reduce liability for Fullscope RMS and Client Carrier Partners.
• Train and coach Claims staff on subrogation processes.
• Identify subrogation opportunities and collaborate with vendor.
• Manage workflow and respond to client/vendor needs.

Skills

Subrogation expertise

Negotiation skills

Training & coaching

Vendor management

Analytical mindset

Disability claims language

Regulatory compliance

Communication skills

Tools

Microsoft Office

Job description

Sun Life U.S. is one of the largest providers of employee and government benefits, helping approximately 50 million Americans access the care and coverage they need. Through employers, industry partners and government programs, Sun Life U.S. offers a portfolio of benefits and services, including dental, vision, disability, absence management, life, supplemental health, medical stop-loss insurance, and healthcare navigation. We have more than 6,400 employees and associates in our partner dental practices and operate nationwide.At Sun Life, we're driven by our Purpose: helping our Clients achieve lifetime financial security and live healthier lives. Our values shape how we work: caring, authentic, bold, inspiring, and impactful.When you join Sun Life, you'll work with passionate colleagues and empowering leaders who support your growth and celebrate your contributions, so you can make a meaningful difference in our Clients' lives.Visit our website to discover how Sun Life is making life brighter for our customers, partners and communities.Job Description:Senior Financial & Subrogation LiaisonJob Summary:This position will work closely with our subrogation vendor on investigating and pursuing subrogation from appropriate parties for recovery on STD and LTD claims. This includes making decisions about liability/compensability, evaluating losses, and negotiating settlements.Skills & Responsibilities:Proven ability to train Claims department including LTD and STDDemonstrated ability and willingness to give candid and meaningful feedback to ClaimsExpert technical ability in interpreting and communicating disability contract languageTechnical expert in interpreting policy language and utilizing the parameters to calculate complex subrogation and monthly benefit calculationsAttains and maintains appropriate TPA licenses in accordance with the Claims Licensing Policy.Confidently negotiate claims to fairly resolve and reduce liability for Fullscope RMS and Client Carrier PartnersProficiently and proactively handle the claim file through various phases of subrogation. Independently review the applicability of coverage and civil law as well as local statues.Communicates with various parties associated with the claim. Respond to written and verbal inquiries in a timely and professional manner, ensuring compliance within all company and statutory guidelines.Effectively and independently negotiates settlements with insureds and third partiesWorks with and manage costs of outside vendorIdentify subrogation opportunities and work with vendor to obtain recoveriesServices as a subject matter expert to the claims department in all matters associated with third party and subrogation pursuit, including managing workflow, responding to third-party and subrogation vendor needs, as well as training and coaching employees.Supports the development of an organization focused on quality claims managementApplies technical knowledge to support departmental development, special projects, and programs.Demonstrates proficient understanding of carrier/clients and accurate application of client specifics in client brand protection by the team.Identifies and communicates developmental areas which need improvement within the analyst’s or client’s block of business.Provides developmental feedback to team members on case level actions within the context of a training and coaching relationship.Assists in the design and delivery of training programsCompletes special projects as necessaryMaintains an acceptable level of technical acumen, policy and lawsDelivers dependable, accurate, timely service and build strong relationships with clients and colleaguesConducts internal and external claims audits & training seminarsParticipates in the development of internal policies and proceduresParticipates in industry and client meetings as well as client presentations and training.Qualifications:Minimum 3 years previous related work experience as well as specific disability product line experience required. 5 years of LTD and STD experience required.Excellent interpersonal skills to communicate and negotiate with other parties and conduct investigations requiredProven interpersonal, analytical and negotiation abilities requiredAbility to provide information in a clear, concise manner, ability to build effective relationshipsAbility to exercise independent judgment, effectively make sound business decisions, and resolve unique and challenging problemsAdvanced analytical and problem-solving skills, ability to multi-task and to independently prioritize competing demands/requests within given time constraintsExcellent conflict resolution skillsFamiliarity with Claims administration systemsProficiency in Microsoft Office suites (Excel, PowerPoint, Word, Outlook)Progression Milestones:Maintains TPA licensing by completing continuing educationSalary Range: $72,500 - $108,800At our company, we are committed to pay transparency and equity. The salary range for this role is competitive nationwide, and we strive to ensure that compensation is fair and equitable. Your actual base salary will be determined based on your unique skills, qualifications, experience, education, and geographic location. In addition to your base salary, this position is eligible for a discretionary annual incentive award based on your individual performance as well as the overall performance of the business. We are dedicated to creating a work environment where everyone is rewarded for their contributions.Not ready to apply yet but want to stay in touch? Join our talent community to stay connected until the time is right for you!We are committed to fostering an inclusive environment where all employees feel they belong, are supported and empowered to thrive. We are dedicated to building teams with varied experiences, backgrounds, perspectives and ideas that benefit our colleagues, clients, and the communities where we operate. We encourage applications from qualified individuals from all backgrounds.Life is brighter when you work at Sun LifeAt Sun Life, we prioritize your well-being with comprehensive benefits, including generous vacation and sick time, market-leading paid family, parental and adoption leave, medical coverage, company paid life and AD&D insurance, disability programs and a partially paid sabbatical program. Plan for your future with our 401(k) employer match, stock purchase options and an employer-funded retirement account. Enjoy a flexible, inclusive and collaborative work environment that supports career growth. We’re proud to be recognized in our communities as a top employer. Proudly Great Place to Work Certified in Canada and the U.S., we’ve also been recognized as a \"Top 10\" employer by the Boston Globe's \"Top Places to Work\" for two years in a row. Visit our website to learn more about our benefits and recognition within our communities.We will make reasonable accommodation s to the known physical or mental limitation s of otherwise-qualified individuals with disabilities or special disabled veterans , unless the accommodation would impose an undue hardship on the operation of our business. Please email [e-mail] to request an accommodation.For applicants residing in California, please read our employee California Privacy Policy and Notice.We do not require or administer lie detector tests as a condition of employment or continued employment.Sun Life will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws, including applicable fair chance ordinances.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Job Category:Règlements - Vie et invaliditéPosting End Date:11/12/2026