TD Insurance is an integral part of TD Bank Group (TD) and we're driven to provide legendary experiences and trusted advice to our customers. We help protect our clients from the ‘accidents of life’ by offering a wide range of products, including credit protection, life, health, travel, home, and auto insurance. With more than three million clients, TD Insurance products and services are available through a network of more than 1,000 TD branches and online.  

The TD Insurance brand, through its TD Insurance Credit Protection and TD Insurance Life and Health brands, is the number-one provider of critical illness insurance and direct life and health products in Canada premium origination in Canada. Through its TD Insurance Meloche Monnex and TD Insurance Home and Auto brands, TD Insurance is also the largest direct-response insurance group in the country. 

The TD Insurance Accident Benefits Claims Department is responsible for delivering ease and value to our customers through simple, fast and fair claims resolution. Our department also ensures financial results by focusing on the client experience, strong risk management, a well-run operating model and by being an extraordinary place to work. 

Job Details  

If you're analytical, organized and have a passion for health and recovery, we want you to join our team.  Reporting to the Team Manager, this role handles predominantly medical files. You'll be provided with opportunities to develop professional and technical competencies.  

As the Accident Benefits Claims Advisor, you'll identify and meet client needs by acting with urgency, ensuring a timely and thorough investigation of the claim, and identifying client eligibility and/or entitlement to their available benefits. You'll also ensure injured clients have quick access to all available benefits so they can return to optimal function.  

What You'll Do 

No matter where you work at TD you’ll make a meaningful impact, grow your skills, and thrive in our culture of care. As a valued member of our Accident Benefits Claims Team your work will involve a range of complexity and may include the following accountabilities:  

Make an Impact:   

• Gather, organize, and verify documented information from all available sources to ensure a thorough and complete compilation of facts required to resolve the claim. 
• Interpret reports and evidence to draw accurate conclusions about proposed treatment(s) and/or repairs and/or actions.  
• Maintain effective case handling, priority of payment, loss transfer, and loss reserving for routine telephone claims. 
• Evaluate non-complex medical files and recommend treatment plans that do not result in the individual requiring time off from work. 
• Contribute to team productivity objectives by maintaining a positive file count and open/close ratio.  

Experience Growth:   

• Remain current in case law, legislated regulatory changes and recent settlements which impact accident benefits claims. 
• Support other TD Insurance businesses during critical events and peak volumes. Partnered Claims Teams include:  

• First Response Center 
• Catastrophe Claims 
• Automobile & Residential Claims  

Cultivate our Culture of Care:   

• Consider every case as unique; use non-biased methods to achieve file resolution that result in a fair and equitable claim settlement. 
• Build positive relationships with clients by promoting clear treatment plans and recovery processes while maintaining timely progress updates to disability files. 
• Participate fully as a member of the team and contribute to a positive work environment 
   

Job Requirements 

What You Need to Succeed 

• Post-secondary education in health (kinesiology/health sciences) or insurance preferred 
• Excellent customer service skills with the ability to meet expectations of internal and external clients. 
• Proven ability to negotiate win/win outcomes when reasonably possible. 
• Demonstrated professional written and verbal communication skills with the ability to listen actively, ask questions and communicate clearly. 
• Strong ability to conduct thorough investigations, analyze evidence effectively and identify discrepancies or gaps in data and reports. 
• Actively working toward a role in Accident Benefits as part of your career development plan 
• Candidates pursuing their Chartered Insurance Professional (CIP) designation and/or other relevant continuing education are preferred.