Benefit Specialist Trainee - Chattanooga

About the role

As a Benefit Specialist Trainee, you are primarily responsible for learning and developing the essential skills, knowledge, and behaviors necessary to successfully resolve assigned claims, in accordance with Unum’s claims philosophy, policies and procedures. Individuals in this role are considered Trainees and are assigned a formal mentor for 12 months until the Trainee is capable of independent work. To be successful in this role, the Trainee must demonstrate the ability to effectively manage an assigned caseload, while exercising discretion and independent judgment. The Benefit Specialist Trainee should provide timely claims decisions and strong customer service prior to advancing to the exempt level Benefit Specialist role.

Responsibilities

• Develop skills to manage a caseload of complex claims; ensuring appropriate sign offs are obtained.
• Gain an understanding and working knowledge of Unum products, policies/procedures and contracts.
• Develop an understanding of the applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers as well as regulatory and statutory requirements for claim products administered.
• Apply contract/policy knowledge and analyze technical and complex contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions and appropriate payee.
• Enhance problem solving skills by demonstrating analytical/ logical thinking.
• Take accountability of the service you provide to internal and external customers with a commitment to creating exceptional customer experiences.
• Recognize multiple service connections through team-based approach and resource partnerships, optimizing results by choosing the best strategies resulting in fair and objective claim decisions.
• Develop and strengthen claim validation and return to work techniques, where applicable.
• Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively verbally communicate determinations and recommendations.
• Effectively utilize a broad spectrum of supported resources (to include financial, medical, vocational and BRI support), materials and tools regarding contractual, disability and RTW strategies, as required.
• Acquire an operating knowledge of the applicable claims system(s).
• Cookordination and sharing of information with other products as appropriate.
• Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries.
• Maintain expected service and quality standards on all assigned claims.
• Protect the Company against extra-contractual liabilities by following established guidelines and regulations.

Qualifications

• College Degree preferred or equivalent work experience.
• Excellent customer service, decision making experience, problem-solving experience and/or college experience.
• Able to utilize claim investigative techniques to identify and evaluate claim information in a fair and objective manner. Including appropriate identification of resources needed to assist with decision making process for file direction.
• Detail oriented; able to analyze and research a variety of complex contractual information.
• Maintain a high level of confidence to make fair and appropriate decisions even in the face of disagreement, while also being open and flexible to changing opinion based on new information.
• Demonstrated ability to operate with a sense of urgency and make balanced claim decisions and recommend direction with the highest degree of integrity and fairness.
• Able to influence others to reach appropriate and constructive conclusions.
• PC skills are essential; ability to operate effectively in an imaged environment.
• Demonstrated ability to multitask and balance goals and priorities effectively in a highly complex and ever-changing environment.
• Self-motivated, independent with proven ability to work effectively on a team and work with others in a highly collaborative team environment.
• Strong mathematical aptitude is essential.
• Excellent customer service skills.
• Strong communication; verbal, written, and listening, as well as strong interpersonal skills.
• Possess strong analytical and problem-solving skills.

Benefits

To be eligible for full benefits, you must have completed 12 months of employment. Full-time employees are eligible for the following benefits:

• Health, Vision, Dental, Short & Long-Term Disability
• Competitive benefits package that includes:
• Generous PTO (including paid time to volunteer!)
• Up to 9.5% 401(k) employer contribution
• Mental health support
• Career advancement opportunities
• Student loan repayment options
• Tuition reimbursement
• Flexible work environments

Pay

The base salary range for applicants for this position is $40,000.00-$75,600.00. Actual pay will be based on skill, geographical location and experience.

Schedule

This position is on-site at our Chattanooga, TN home office location.

Company

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $40,000.00-$75,600.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.