Claim Representative in Lansing, Michigan

Claim Representative

Summary:

This position includes three levels of claim handlers. The entry level handles medical only and indemnity benefits. The intermediate level handles moderate to difficult claims. The advanced level investigates claims, mentors lower-level claim handlers, and coordinates special projects.

Responsibilities/Tasks:
Claim Representative I, II, III:

• Verifies workers' compensation coverage of employers and injured employees.
• Determines compensability under workers' compensation by thorough investigation of the claim.
• Determines causal relationship between the reported injury and the incident to ensure appropriate payment of benefits.
• Facilitates return to work for the injured employee.
• Establishes timely and appropriate reserves based on the profile of the claim within given authority based on anticipated financial exposure.
• Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.
• Manages medical bills for non-indemnity and indemnity claims directly associated with the claimed injury. Approves payment based on knowledge of the treatment plan and medical support showing relationship of treatment to the injury.
• Concludes and closes files following resolution of claims to meet internal performance standards while complying with state legislation to avoid penalties and manage expenses.
• Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.
• Works closely with manager on complex files or files above settlement/reserve authority.
• Manages outside vendors to ensure cost containment efforts.
• Establishes and maintains effective working relationships with all internal and external customers.
• Stays abreast of changes in workers' compensation statutes, case law and rehabilitation efforts/advancements in order to accurately interpret and apply relevant laws.

Additional Responsibilities/Tasks:
Claim Representative II, III:

• Administers complex claims and catastrophic exposures within authority, including claims from dedicated large accounts.
• Exercises independent judgment to settle cases prior to mediation or litigation.
• Actively participates in agent/client relationship management.
• Assists in mentoring team members.

Claim Representative III:

• Mentors team members.
• Conducts audits of claim files.
• Acts as a backup for team leader.
• Coordinates special projects.

This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required.

Employment Qualifications

Education or Equivalent

Experience:

Bachelor's degree in a related field. Relevant combination of education and experience may be considered in lieu of degree. Continuous learning is required. Certification or progress toward certification is highly preferred and encouraged.

Experience:

Claim Representative I:
Minimum one-year relevant experience that provides the necessary skills, knowledge and abilities or completion of claims trainee program. Bilingual skills preferred. Claim Representative II:
Three years' experience in a workers' compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing, investigating and closing workers' compensation claims. Experience handling claims in multiple jurisdictions preferred. Bilingual skills preferred. OR One year of AF Group Claims Representative I experience that includes handling of difficult or complex claims. Claim Representative III:
Five years' experience in a workers' compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing, investigating and closing complex workers' compensation claims. Experience handling claims in multiple jurisdictions preferred. Bilingual skills preferred. OR Two years of AF Group Claims Representative II experience that includes discretion in determining compensability of complex claims and/or handling complex, high touch or labor-intensive customers.

Skills/Knowledge/Abilities (SKA)

Required:

Claim Representative I, II, III:

• Ability and proficiency in the use of computers and company standard software specific to position.
• Knowledge of medical and legal terminology related to the work.
• Knowledge of workers' compensation laws and regulations, including jurisdictional laws.
• Effective oral and written communication skills.
• Effective customer service skills.
• Ability to negotiate, build consensus and resolve conflict.
• Ability to manage multiple priorities and meet established deadlines.
• Attention to detail and analytical skills.
• Ability to work independently as well as within a team.

Additional Skills/Knowledge/Abilities (SKA)

Required:

Claim Representative II, III:

• Ability to make independent decisions.
• Ability to solve complex problems.

Claim Representative III:

• Ability to train and mentor others.

Working Conditions:

Work is performed in an office…