Unum is a company of people serving people. As one of the world’s leading employee benefits providers and a Fortune 500 company, Unum’s financial protection benefits help protect more than 36 million working people and their families from the financial impact of illness or injury. Unum’s three distinct, but similarly focused US businesses – Unum US, Colonial Life, and Starmount Life – are each a market leader in making disability, life, accident, critical illness, dental, and vision insurance accessible in the workplace.
Headquartered in Chattanooga, Tennessee, Unum has significant US operations in Portland, Maine, Worcester, Massachusetts, and Glendale, California with over 35 field offices nationwide. Colonial Life is headquartered in Columbia, South Carolina with over 40 field offices nationwide. Starmount Life is based in Baton Rouge, Louisiana, and is the dental and vision center of excellence for Unum in the US.
Why join our team?
We are in the business of helping others and we are looking for individuals to help us fulfill the promise we make to our customers of providing exceptional customer service everyday: offering empathy in every interaction, simplicity, that allows time for what it is most important and expertise to guide our customers through their Short Term Disability. Don’t worry – we’ll teach you everything you need to know through our robust training and mentorship program!. Our clients trust us to take care of their employees in a time of need and we take pride in the services we provide – both what we do and how we do it.
This is an entry-level position within the Benefits Organization where you will work as part of a team to support our clients’ needs. Employees in this role are considered trainees and are assigned a formal mentor for 6-12 months until they are assessed as capable of independent work. Employees are primarily responsible for learning and developing the skills, knowledge and behaviors necessary to successfully process assigned claims, in accordance with our claims philosophy, policies and procedures. Once an individual has proven successful in their role, they are eligible to move into an exempt level benefits specialist role.
At Unum, we care about you! That’s why we offer a comprehensive benefits package. We want this to be a long-term career, not just a job, and we want to support you through all of life’s up and downs.
Principal Duties and Responsibilities
- Develop skills to manage a caseload of claims; ensuring appropriate sign offs are obtained.
- Develop an understanding and working knowledge of Unum products, policies/procedures and contracts.
- Develop an understanding of the applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers as well as regulatory and statutory requirements for claim products administered.
- Apply contract/policy knowledge and analyze technical contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions and appropriate payee.
- Develop problem solving skills by demonstrating analytical/ logical thinking, recognizing multiple connections, optimizing results by choosing the best strategies resulting in fair and impartial claim decisions.
- Verify on-going liability and develop strategies for return to work opportunities as appropriate. Develop and strengthen claim validation and return to work techniques, where applicable.
- Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively verbally communicate determinations.
- Develop knowledge and effectively utilize a broad spectrum of materials and tools regarding contractual, medical, vocational, disability and return to work strategies, as required.
- Develop an operating knowledge of the applicable claims system(s).
- Coordinate and share information with other products as appropriate.
- Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries.
- Maintain organizational service and quality standards on all assigned claims.
- This position may be responsible for multiple lines of business as part of our integrated service model.
- Protects the Company against extra-contractual liabilities by following established guidelines and regulations.
- May perform other duties as assigned.
Job Specifications
- High School diploma or equivalent required.
- Able to analyze and research contract information.
- Detail oriented.
- Able to utilize claim investigative techniques to identify and evaluate claim information in a fair and objective manner.
- Able to maintain a high level of confidence to make fair and appropriate decisions even in the face of disagreement, while also being open and flexible to changing opinion based on new information.
- Demonstrated ability to operate with a sense of urgency and make balanced decisions with the highest degree of integrity and fairness.
- Able to influence others to reach appropriate and constructive conclusions.
- PC skills are essential; ability to operate effectively in an imaged environment.
- Demonstrated ability to multitask and balance goals and priorities effectively in a high-volume environment.
- Self-motivated, independent with proven ability to work effectively on a team and work with others in a highly collaborative team environment.
- Strong mathematical aptitude is essential.
- Excellent customer service skills.
- Strong communication; verbal, written, and listening, as well as strong interpersonal skills
- Possess analytical and problem-solving skills
If any of this sounds exciting to you…
If you have a passion for making a difference and helping people…
If you want to be a part of a growing organization…
If you enjoy working as a part of a team…
If you are looking to develop and grow in your career…
… then reach out to learn more. We’d love to speak to you and tell you more about the opportunities at Unum. We look forward to meeting you!
~IN2
Unum and its family of businesses offer world-class training and development, generous compensation and benefits packages, and a culture built on employee ideas.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person’s race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
Company:
Unum