Claims Examiner at Securian Financial in Saint Paul

Job description

Position Summary: At Securian Financial, we are committed to providing exceptional service and delivering on our promises to customers, beneficiaries, employers, and business partners. As a Claims Examiner, you will investigate, evaluate, and adjudicate claims while balancing accuracy, timeliness, compliance, risk management, and customer experience. Successful candidates are analytical, detail-oriented professionals who communicate effectively, exercise sound judgment, and leverage a variety of communication methods to support customers, gather information, and resolve claims efficiently while delivering a positive and compassionate customer experience. Responsibilities include but are not limited to: Investigate, evaluate, and adjudicate claims in accordance with policy provisions, regulatory requirements, and company guidelines. Analyze claim information to determine coverage eligibility, benefit amounts, beneficiary entitlement, and claim validity. Gather and review information from customers, beneficiaries, employers, healthcare providers, funeral homes, and other internal and external partners. Communicate claim requirements, status updates, decisions, and next steps in a clear, timely, and professional manner. Proactively utilize phone, email, and written correspondence to support customers and facilitate timely claim resolution. Recognize opportunities where a direct conversation can improve understanding, reduce customer effort, and create a more positive customer experience. Maintain thorough claim records that support quality reviews, audits, regulatory requirements, and potential litigation. Ensure claim decisions, documentation, and payments are accurate, complete, and compliant. Partner with legal, medical, and investigative resources when additional expertise is needed. Contribute to process improvements, team initiatives, and special projects as assigned. Support workload continuity by assuming responsibility for in-progress claims during team transitions, ensuring uninterrupted service for customers. Qualifications: 2+ years of customer service experience. Strong analytical and problem-solving skills. Excellent attention to detail and organizational skills. Strong written and verbal communication skills. Demonstrated ability to make sound decisions and manage multiple priorities. Ability to learn and adapt to new and/or changing technologies and processes. Commitment to providing a high-quality customer experience. Preferred Qualifications: Knowledge of employer-sponsored life insurance, waiver of premium, accelerated death benefit, or related insurance products. Experience adjudicating insurance claims. Ability to navigate sensitive situations with empathy, professionalism, and strong judgement. Experience working in administrative, claims, or workflow management systems. Experience building positive relationships with customers, business partners, and other stakeholders. Proficiency with Microsoft Outlook, Word, and Excel. Curiosity and willingness to learn and leverage AI-enabled tools to improve efficiency, decision-making, and the customer experience. The internal title for this role is Customer Benefits Payments Sr Rep. Securian Financial believes in hybrid work as an integral part of our culture. This position requires residence within a reasonable commuting distance (90 minutes) of our St. Paul office. Within that area, the role may be performed remotely or in a hybrid environment based on associate preference and business needs, and periodic in-person attendance may be required for training, onboarding, team collaboration, performance support, or other business-related activities. Preferred Skills: The estimated base pay range for this job is: $18.80 - $32.69 Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team. Be y