Return to Work, Workers Compensation Claim Representative

Return to Work, Workerspensation Claim Representative Who Are We?

Taking care of our customers, ourmunities and each other. That's the Travelers Promise. By honoring thismitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years.

Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.

Job Category

Claim

The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country.

The actual salary for this position will be determined by a number of factors, including the scope,plexity and location of the role;

the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of ourprehensivepensation and benefits program, employees are also eligible for performance-based cash incentive awards.

Salary Range

$63, - $105,

Target Openings

What Is the Opportunity?

Manage Workers'pensation claims with lost time to conclusion and negotiate settlements where appropriate to resolve claims.

Coordinate medical and indemnity position of the claim with a Medical Case Manager. Independently handles assigned claims of low to moderateplexity where Wage loss and the expectation is a return to work to modified or full duty or obtain MMI with no RTW.

There are no litigated issues or minor to moderate litigated issues. The claim may involve minor sprains / minor to moderate surgery The injured worker is working modified duty and receiving ongoing medical treatment.

The injured worker as returned to work, reached Maximum Medical Improvement (MMI) and is receiving PPD benefits. File will close as soon as the PPD is paid out.

With close to moderate supervision, may handle claims of greaterplexity where Injured worker (IW) remains out of work and unlikely to return to position.

Employer is unable to amodate the restrictions. The claim involves moderate toplex litigation issues IW has returned to work, reached Maximum Medical Improvement (MMI), and has PPD.

File litigated to dispute the permanency rating and / or causality. IW has been released to work with permanent restrictions and there has been a change in the current position.

IW is receiving Vocational Rehabilitation. Claims that have been reopened for additional medical treatment on moreplex files.

Injuries may involve one or multiple back, shoulder or knee surgeries, knee replacements, claims involving moderate toplex offsets, permanent restrictions and / or fatalities.

Claims on which a settlement should be considered. What Will You Do?

• Conduct investigations, including, but not limited to assessing policy coverage, contacting insureds, injured workers, medical providers, and other parties in a timely manner to determinepensability
• Establish and update reserves to reflect claim exposure and document rationale. Identify and set actuarial reserves. Apply knowledge to determine causal relatedness of medical conditions.
• Manage files with an emphasis on file quality (including timely contact and proper documentation and proactive resolution of outstanding issues).

Achieve a positive end result by returning injured party to work and coordinating the appropriate medical collaboration with internal nurse resources where appropriate.

Work in collaboration with specialty resources ( medical and legal) to proactively pursue claim resolution opportunities, ( return to work, structured settlement, and discontinuation of benefits through litigation).

Develop strategies to manage losses involving issues of statutory benefit entitlement, medical diagnoses, Medicare Set Aside to achieve resolution through the best possible oue.

Collaborate with our internal nurse resources (Medical Case Manager) in order to integrate the delivery of medical services into the overall claim strategy.

Prepare necessary letters and state filings within statutory limits.

Pursue all offset opportunities, including apportionment, contribution and subrogation. Evaluate claims for potential fraud.

Proactively manage inventory with documented plans of action to ensure timely and appropriate file closing or reassignment.

• Effectively manage litigation to drive files to an optimal oue, including resolution of benefits. Understand and apply Medicare Set Asides and allocations.
• Negotiate settlement of claims within designated authority. May use structured settlement / annuity as appropriate for the jurisdiction.
• In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required toply with state and Travelers requirements.

Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.

Perform other duties as assigned.

What Will Our Ideal Candidate Have?

• 2 years Workerspensation claim handling experience preferred.
• Analytical Thinking : Identifies current or future problems or opportunities; analyzes, synthesizes andpares information to understand issues;

identifies cause / effect relationships; and explores alternative solutions that support sound decision-making.

• Negotiation : Intermediate ability to understand alternatives, influence stakeholders and reach a fair agreement through discussion andpromise.
• General Insurance Contract Knowledge : Interprets policies and contracts, applies loss facts to policy conditions, and determines whether or not a losses within the scope of the insurance contract.
• Principles of Investigation : Intermediate investigative skills including the ability to take statements. Follows a logical sequence of inquiry with a goal of arriving at an accurate reconstruction of events related to the loss.
• Value Determination : Intermediate ability to determine liability and assigns a dollar value based on damages claimed and estimates, sets and readjusts reserves.
• Settlement Techniques : Intermediate ability to assess how a claim will be settled, when and when not to make an offer, and what should be included in the settlement offer package.
• Legal Knowledge : General knowledge, understanding and application of state, federal and regulatory laws and statutes, rules of evidence, chain of custody, trial preparation and discovery, court proceedings, and other rules and regulations applicable to the insurance industry.
• Medical knowledge : Intermediate knowledge of the nature and extent of injuries, periods of disability, and treatment needed.
• WC Technical :
• Intermediate ability to demonstrate understanding of WC Products and ability to apply available resources and technology to resolve claims.

Demonstrate a clear understanding and ability to work within jurisdictional parameters within their assigned state.

• Intermediate knowledge, understanding and application of state, federal and regulatory laws and statutes, rules of evidence, chain of custody, trial preparation and discovery, court proceedings, and other rules and regulations applicable to the insurance industry.
• Customer Service :
• Advanced ability to build and maintain productive relationships with our insureds and deliver results with optimal oues
• Teamwork :
• Advanced ability to work together in situations when actions are interdependent and a team is mutually responsible to produce a result
• Planning & Organizing :
• Advanced ability to establish a plan / course of action and contingencies for self or others to meet current or future goals
• Maintain Continuing Education requirements as required or as mandated by state regulations

What is a Must Have?

• High School Diploma or GED required.
• Minimum of 1 year Workerspensation claim handling experience or successfulpletion of the WC trainee program required.

What Is in It for You?

• Health Insurance : Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment.
• Retirement : Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum.

If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account.

You are also eligible for a Pension Plan that is 100% funded by Travelers.

• Paid Time Off : Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paidpany Holidays.
• Wellness Program : The Travelers wellness program isprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs.

In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.

Volunteer Encouragement : We have a deepmitment to themunities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.

Employment Practices

Travelers is an equal opportunity employer. We believe that we can deliver the very best products and services when our workforce reflects the diverse customers andmunities we serve.

We aremitted to recruiting, retaining and developing the diverse talent of all of our employees and fostering an inclusive workplace, where we celebrate differences, promote belonging, and work together to deliver extraordinary results.

In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.

If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.

Travelers reserves the right to fill this position at a level above or below the level included in this posting.

To learn more about ourprehensive benefit programs please visit / / careers.travelers / life-at-travelers / benefits / . Job ID R-37477