Life Benefits Examiner

Accountabilities:

Investigate and evaluate life insurance claims by reviewing submitted documentation, verifying eligibility, identifying discrepancies, and requesting additional information when necessary.
Independently assess claims and make benefit determinations in accordance with insurance policy provisions, internal procedures, and applicable regulatory requirements.
Manage claims throughout the entire lifecycle, from initial review and investigation to final decision-making and benefit payment.
Evaluate beneficiaries' entitlement to benefits and develop appropriate payment strategies while ensuring compliance with state and federal regulations.
Communicate claim decisions and outcomes clearly, ensuring accurate and timely processing of benefit payments.
Respond to inquiries from beneficiaries, policyholders, clients, and internal stakeholders, providing empathetic, professional, and timely assistance.
Act as a primary point of contact for life benefits-related matters, supporting client implementation, ongoing account servicing, renewals, and other service initiatives.
Identify and resolve claim-related issues while maintaining high standards of accuracy, customer satisfaction, and operational efficiency.
Collaborate with internal teams and contribute to special projects and continuous improvement initiatives as required.
Requirements:
High school diploma or GED required; additional higher education is preferred.
At least 2 years of professional experience, ideally in insurance, financial services, claims administration, or a related field.
Strong analytical and problem-solving abilities, with the capacity to interpret complex information, identify inconsistencies, evaluate documentation, and make sound decisions.
Good numerical skills, including the ability to perform basic calculations accurately and assess financial information.
Proficiency in Microsoft Office applications and general computer systems, with strong data entry, navigation, and information management skills.
Excellent organizational and time management abilities, with the capacity to manage multiple claims, prioritize competing tasks, and meet deadlines in a fast-paced environment.
Strong written and verbal communication skills, with the ability to interact effectively and empathetically with customers and internal stakeholders.
Customer-oriented mindset, demonstrating an understanding of customer needs and a commitment to delivering responsive, high-quality service.
Adaptability, resilience, and a proactive approach to handling changing priorities, challenges, and new information.
Ability to learn quickly, apply new procedures, accept feedback and coaching, and work effectively both independently and as part of a team.
Demonstrated initiative, accountability, and determination to achieve goals while maintaining accuracy and professionalism.
Benefits:
Competitive salary: $21.63–$29.45 per hour, depending on experience, qualifications, skills, and other relevant factors.
Comprehensive healthcare coverage, including medical, dental, and vision insurance.
401(k) retirement plan with matching employer contributions.
Annual incentive bonus program, subject to applicable plan conditions and performance criteria.
Generous paid time off, including 11 paid holidays, 2 wellness days, and 8 volunteer hours annually.
Paid time off increases with length of service.
Paid parental leave and adoption and surrogacy assistance.
Employee charitable giving program featuring double-matched donations to eligible nonprofit organizations and schools.
Remote working arrangement supporting work-life balance.
Supportive and responsive management, with opportunities for professional development, career growth, and advancement.
A collaborative and service-oriented working environment focused on employee well-being and customer satisfaction.