Description

JOB DESCRIPTION

The Accident & Health and Travel Adjuster is responsible for the day-to-day management of an inventory of travel, hospital indemnity, hospital accident, and accidental death and dismemberment claims. This role reviews medical and travel documentation, investigates losses, interprets policy language to determine coverage and payment, evaluates and updates reserves, prepares coverage letters and reports, and delivers high-quality customer service.

This position reports to the Team Leader. The selected candidate should demonstrate initiative, strong prioritization skills, the ability to manage multiple priorities, adaptability, and the ability to meet claim handling requirements and industry best practices in a fast-paced, changing environment.

This position requires in-office work a minimum of three days per week.

Position Responsibilities

Duties include, but are not limited to:

• Reviews claim and policy information to support investigations and determine the company's obligation to the insured, based on the line of business.
• Contacts and interviews insureds, claimants, witnesses, physicians, attorneys, police officers, and other relevant parties to obtain information needed to evaluate claims.
• Assesses travel-related losses, including trip cancellation, trip interruption, medical emergencies, baggage loss, travel delays, and other covered events.
• Evaluates facts gathered through investigation to determine liability and the company's obligation under the policy contract.
• Prepares reports related to investigations, settlements, claim denials, and evaluations of involved parties.
• Maintains detailed claim notes, accurate documentation, and complete file records.
• Responds to customer inquiries professionally and provides clear status updates.
• Ensures timely claim handling in accordance with service standards and regulatory requirements.
• Establishes reserves within authority limits and recommends reserve changes to the Team Leader.
• Reviews claim progress with the Team Leader and discusses issues and recommended actions.
• Identifies unusual or potentially adverse exposures and escalates them to the Team Leader as needed.
• Supports the Team Leader in developing improved claims handling methods and processes.
• Settles claims promptly and equitably.
• Obtains releases, proofs of loss, or compensation agreements and issues claim payments.
• Identifies potential fraud indicators and escalates suspicious claims when appropriate.
• Communicates claim outcomes to claimants, insureds, customers, or attorneys.
• Supports quality, compliance, and continuous improvement efforts in claims handling.

Requisition #: 35241

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