Claim Examiner - Life

Overview

Physicians Mutual is seeking a Life Claims Examiner to join our Claims team. In this role, you will review and evaluate life insurance claims by analyzing policy provisions, death certificates, and supporting documentation to determine accurate claim outcomes. You’ll communicate with beneficiaries and other parties, ensure compliance with state regulations, and make timely payment or denial decisions.

• Responsible for communicating with beneficiaries, providers and other involved parties.
• Analyzing life insurance policy benefits and provisions, death certificates and other related correspondence.
• Evaluates all information received and follows state regulations to make proper payment or reject decision.

• High school diploma or equivalent.
• Must demonstrate strong communication skills.
• Ability to read policy contracts.
• Ability to handle complex claim situations.
• Ability to operate a PC and all applicable programs and applications.
• Must possess problem solving, decision‑making, and organizational skills.
• Ability to function effectively in a production environment with high quality work.
• Ability to learn quickly and adapt to new insurance coverages, procedures and state guidelines.
• Basic math needed to calculate benefits and interest.
• Above average written and verbal communication skills are necessary to effectively correspond with Policy owners and other interested parties.
• Ability to assess situations and apply learned concepts in complicated claim scenarios.
• Conduct a thorough investigation of correspondence received and information online, as necessary, to resolve claims.
• Diligent in managing project details.
• Prefer a minimum of 1‑2 years of previous life insurance or related experience.