Stop Loss Claims Resolution Consultant

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.

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The Claims Resolution Consultant serves as a subject matter expert in Stop Loss medical claims and is the primary point of contact for complex claim inquiries, escalations, and resolution support. This role combines deep technical expertise as a Stop Loss Health Claims Analyst with responsibility for managing end‑to‑end inquiry resolution, including research, claim determination support, documentation review, and clear customer communication.

The Consultant independently resolves sophisticated inquiries related to claim eligibility, reimbursement status, documentation requirements, and contractual interpretation. They partner closely with Claims Analysts, Senior Analysts, clinical resources, and other internal teams to ensure accurate, timely, and supportable outcomes. This role requires strong judgment, advanced understanding of stop loss products, and the ability to explain complex claim matters clearly to TPAs, brokers, employers, sales partners, and internal stakeholders.

• Serve as an expert resource for Stop Loss medical claims, including large‑loss and complex claim scenarios, reimbursement determinations, exclusions, and eligibility issues.
• Research and resolve advanced claim inquiries by analyzing claim history, medical documentation, reimbursement data, plan documents, and Sun Life stop‑loss contract provisions.
• Interpret and apply contractual language consistently, identifying when issues require escalation, exception handling, or clinical, legal, or investigative review.
• Provide consultative guidance to requestors on claim status, required documentation, anticipated timelines, and next steps.
• Own inquiries from intake through closure, ensuring accountability, tracking, and follow‑up.

• Acknowledge inquiries promptly, provide clear expectations for updates and resolution timing, and proactively communicate if timelines change.
• Deliver clear, concise, and customer‑appropriate written communication (primarily email) that summarizes findings, decisions, and supporting rationale.

• Identify inquiries that require adjudication or reimbursement review and route to appropriate Claims Analysts or Senior Analysts with complete and organized handoffs.
• Partner collaboratively with internal teams including Claims, Over payments, Client Management, Sales, Clinical Resources, and Legal to support accurate and timely outcomes.
• Participate in client implementation, onboarding, or issue‑resolution calls as needed, explaining stop loss claim processes and outcomes clearly.

• Document research, decisions, communications, and handoffs thoroughly in the system of record.
• Ensure all claim handling complies with privacy, security, and regulatory requirements (HIPAA, etc.).
• Apply sound claim practices and professional judgment to identify trends, risks, or recurring issues impacting customer experience or operational efficiency.
• Act as a go‑to resource for peers and partners by sharing expertise on stop loss claim handling, documentation standards, and common contract provisions.
• Identify opportunities for process improvements, enhanced job aids, or clearer communication templates based on inquiry volume and trends.
• Contribute to a strong service culture through collaboration, follow‑through, and a solutions‑oriented mindset.

• Expert‑level knowledge of Stop Loss medical claims, including eligibility determination, reimbursement workflows, documentation requirements, and contract interpretation.
• Experience reviewing and supporting…