At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

  

**This position is eligible to work from home anywhere in the United States**

Essential Functions:

• Reviews the claim notice, contracts, state statutes and policies to verify the appropriate coverage, deductibles, and payees

• Initiates timely contact with insureds and claimants to explain the claim process and initiate the investigation

• Obtains statements from insureds, claimants, and witnesses and documents summaries within the claims system

• Request and analyze investigative and other relevant reports, claim forms and documents when appropriate

• Documents claim activities, reserve analysis, and summaries of reports including Medicare (MSP) modules in the claim system

• Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology

• Identifies, investigates, and proactively pursues opportunities for recovery including arranging of evidence preservation in legal compliance that meets custody, control, transfer, analysis, and disposition of physical and/or electronic evidence 

• Adheres to all state requirements regarding regulatory compliance by sending out letters/forms containing appropriate language according to timelines

• Reviews bills, invoices and receipts for accuracy and appropriateness

• Notifies people leader of claims that may need escalation or reassignment

• Drafts reservation of rights and coverage denial letters with supervisor approval

• Assigns vehicle/property damage appraisals and vehicle rentals

• Makes recommendations to people leader on the assignment of independent adjusters

• Provides prompt, detailed responses to agents, insureds, and claimants on the status of claims

• Resolves questions of coverage, liability and the value of the claims and communicates with insureds and claimants to resolve claims in a timely manner

• Prepares bodily injury and/or damage evaluations, negotiation ranges and target settlement numbers prior to negotiation. Obtains authority when required

•  Identifies and protects all liens as appropriate

• Investigates Medicare liens and resolves issues in accordance with EMC and Medicare guidelines

• Communicates with insureds, claimants, and attorneys to negotiate the settlement of claims

• Prepares and issues settlement and release documents verifying accuracy and ensuring they are properly executed

• Issues timely payments

• Reviews and audits estimates written by independent adjusters for accuracy and to ensure the most cost-effective repair approach

• Submits referrals to the Estimatics, Special Investigation, Subrogation, Medical Review Units and Claims Legal teams as appropriate

• Prepares risk reports for Underwriting and Risk Improvement

• Prepares claims and participates in claims roundtables to discuss unique cases to evaluate coverage and damage
   

Education & Experience:

• Bachelor’s degree or equivalent relevant experience

• One year of casualty claims adjusting experience or related experience 

• Relevant insurance designations preferred

Knowledge, Skills & Abilities:

• Good knowledge of the theory and practice of the claim function

•  Good knowledge of insurance contracts, medical terminology and substantive and procedural laws

• Strong knowledge of computers and claims systems

• Ability to obtain all applicable state licenses

• Ability to adhere to high standards of professional conduct and code of ethics

• Good organizational and empathetic interpersonal skills

• Strong written and verbal communication skills

• Good investigative and problem-solving abilities

• Excellent customer service skills

• Ability to maintain confidentiality

• Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$55,795 - $77,098 or $61,659 - $84,778

A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

 

 

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.