Job Posting End Date: December 22When you join the team at Unum, you become part of an organization committed to helping you thrive.Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
- Award-winning culture
- Inclusion and diversity as a priority
- Performance Based Incentive Plans
- Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
- 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
*All the benefits listed above are subject to the terms of their individual Plans.And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! General Summary:Minimum starting hourly rate if $25.00Position start date is January 21, 2025.**This position is on-site at our Portland, Maine home office location**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. This is an entry level opportunity within Unum's Benefits Organization. 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.
How You'll Thrive- Develop skills to manage a caseload of complex claims, while ensuring appropriate sign offs are obtained. Caseload size may vary by product(s).
- Gain an understanding and working knowledge of the following: Unum products, policies/procedures and contracts, applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers, 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, recognizing multiple connections, and optimizing results by choosing the best strategies resulting in fair and objective claim decisions.
- Verify on-going liability and develop strategies for return-to-work opportunities as appropriate. Obtain 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 communicate determinations.
- Effectively utilize knowledge and a broad spectrum of resources, materials and tools regarding contractual, medical, vocational, disability and RTW strategies, as required.
- Acquire an operating knowledge of the applicable claims system(s).
- Coordinate and share information with other products as appropriate.
- Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries while maintaining expected service and quality standards on all assigned claims.
- Protect the Company against extra-contractual liabilities by following established guidelines and regulations.
- May perform other duties as assigned.
What You'll Bring with You- College Degree preferred or equivalent work experience
- Excellent customer service, decision-making and problem-solving experience
- 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.
- Detail oriented with the ability to analyze and research a variety of complex contractual information.
- High level of confidence to make fair and appropriate decisions (even in the face of disagreement), while being open and flexible to change.
- Ability to make balanced decisions with the highest degree of integrity, fairness and sense of urgency.
- Able to influence others to reach appropriate and constructive conclusions.
- Strong computer literacy and skills with the ability to work within multiple systems.
- Demonstrated ability to multitask while balancing goals and priorities effectively in a highly complex and ever-changing environment.
- Self-motivated and independent with proven ability to work effectively on a team in a highly collaborative team environment.
- Strong mathematical aptitude is essential.
- Strong communication (both verbal and written)~IN2#hybrid#LI-CC1
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.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-$75,600.00Additionally, 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.Company:Unum