Casualty Claims Specialist

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 Investigates and evaluates complex coverage issues to determine applicable coverage, partnering with EMC Coverage Counsel and/or outside counsel as appropriate 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 Requests and analyzes investigative and other relevant reports, claim forms and documents when appropriate Documents claim activities, reserve analysis, summaries of reports including Medicare (MSP) modules in the claim system Prepares claims and participates in claims roundtables to discuss unique cases to evaluate coverage, liability, and damages Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology Identifies, investigates, and proactively pursues opportunities for recovery including partnering with attorneys and/or other experts to arrange 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 Recommends and obtains authority from Supervisor/Director in the assignment of defense counsel Assign and manage experts and third party vendors for accuracy and appropriateness with supervisory approval as required Provides prompt, detailed responses to agents, insureds and claimants on the status of claims Manages litigation of moderate to complex claims Analyzes lawsuits by reviewing facts and allegations to determine coverage. Prepares any Reservation of Rights letters if allegations warrant Collaborates with defense counsel and others to prepare bodily injury and/or damage evaluations, negotiation ranges and target settlement numbers prior to negotiation. Obtains higher authority when appropriate Assigns files and collaborates with defense counsel on action plans and litigation strategy to manage litigation expenses and obtain favorable outcomes Secures all necessary official reports, claim forms and documents Reviews legal budget/invoices and litigation related expenses for accuracy and appropriateness Resolves questions of coverage, liability and the value of the claims and communicates with insureds and claimants to resolve claims in a timely manner Investigates Medicare liens and timely resolve in accordance with EMC and Medicare guidelines Prepares and issues settlement and release documents verifying accuracy and ensuring they are properly executed Reviews and audits estimates written by independent adjusters, engineers and other vendors for accuracy and to ensure the most cost-effective repair approach Provides guidance to team members with technical issues of a claim and answers questions on coverage, compensability, investigations and plans of action. Serves as a subject matter expert for other claims team members. Assists in handling of claims or suits outside of their jurisdiction. Acts as a technical resource to other claims professionals providing guidance on claims handling practice. Assists other claims professionals with complex or problematic claims as necessary. Leads and/or participates in claims projects as a representative of casualty claims Submits referrals to the Estimatics, Special Investigation, Subrogation, Medical Review Units, and Corporate Office Coverage Counsel as appropriate Education & Experience: Bachelor’s degree or equivalent relevant experience Eight years of casualty claims adjusting experience or related experience Relevant insurance designations preferred Knowledge, Skills & Abilities: Superior knowledge of best claims practices used to resolve the most serious and complex liability claims Advanced knowledge of insurance contracts, medical terminology and substantive and procedural laws Excellent 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 Exceptional organizational and empathetic interpersonal skills. Thorough written and verbal communication skills Advanced customer service skills Ability to maintain confidentiality Thorough investigative and problem-solving abilities. Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving The hiring salary range for this position will vary based on geographic location, falling within either the $77,013-$106,126 range or the $84,912-$117,001 range. 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. 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. Why should you choose to apply for a position at EMC? We can give you plenty of reasons why EMC is a great place to work: More than 105 years of financial strength and stability Named a five-star insurance carrier by Insurance Business America Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America Multiple locations recognized as Top Workplaces based solely on team member feedback Corporate culture that engages and empowers team members to achieve their best Outstanding benefits with life, medical, dental, vision and prescription drug coverage Competitive paid time off plan and a full day of volunteer time off annually Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards Professional development and growth opportunities, including tuition reimbursement Wellness initiatives to improve team member well-being and reduce health insurance costs Flexibility to dress for your day and opportunities for alternative work arrangements EMC complies with labor law requirements. View the federal and e-verify labor law posters. California Residents - California Consumer Privacy Notice: (EMCC) – California Consumer Privacy Notice (EMCNL) - California Consumer Privacy Notice

Salary : $77,013 - $106,126