Experienced Health Claims Assessor

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VN-23245

Permanent

Homebased or Hove

£27,900 - £44,100

28 September 2022

Are you an experienced Life and Disability Claims Assessor? Do you want to work for one of the UK’s largest Life Insurance providers where your skills and performance are well rewarded and talent is recognised? Would you like to work from home or on an agile basis from our Hove office? If this sounds like you, then we would love to hear from you!

As an experienced Claims Assessor, you will be responsible for paying all valid claims and will need to be able to;

  • Make a judgement on whether misrepresentation needs to be investigated or not. This will obviously depend on the individual circumstances of each claim
  • Be able to explain the rationale behind your independent decision making. 
  • Demonstrate a knowledge of underwriting processes, understanding how to review application disclosures
  • Speaking to claimants and their loved ones to support you with your decision making
  • Follow and act within Legal & Generals claims philosophies (which full training will be provided on)
  • Medically assessing life/bereavement, terminal illness claims, critical illness claims and total and permanent disability claims
  • You’ll be gathering appropriate evidence and medically assessing information, in order to accept or decline claims displaying logical reasoning.
  • Managing end to end claims, taking responsibility for all customer communication and being the main point of contact, so that customer satisfaction is maximised, and expectations met.
  • You’ll be processing claims within guidelines, so that quality and compliance are consistently met.
  • Liaising with customers and third parties in a professional, friendly and efficient manner in order to obtain information.
  • Taking ownership of appeals and complaints. Ensuring root causes are escalated to achieve customer satisfaction. 
  • Supporting your team by taking ownership of projects or department initiatives. Sharing knowledge, ideas and feedback.
  • Managing contentious or sensitive claims, involving fraud, overseas issues, litigation or the prospect of litigation. This could include liaising with managers, legal services or being on claims panels, so that the claim is effectively resolved.
  • Individuals who can assess as many claim types as possible but we will happily consider the right people if they can demonstrate a high level of skill, experience and ability in at least one of them.
  • Experience and exposure in handling relevant claims with decision making authority.
  • Extensive medical knowledge.
  • Knowledge of legal aspects pertaining to claims, such as probate and awareness of compliance regulations.
  • Comprehensive understanding of underwriting, including new business process.
  • Strong customer handling skills with an acute ability to show empathy and sensitivity.
  • Excellent letter writing skills, particularly when handling refuted claims.
  • Ability to effectively engage with 3rd parties such as reinsurers and medical providers.
  • Demonstrated ability to manage difficult calls, especially when researching circumstances with the potential to end in refuted claims.

Whatever your role, we reward ability, performance and attitude

  • Annual performance related bonus. This can be anywhere between 5% and 30% dependent on your performance
  • 25 days holiday, plus bank holidays
  • Pension scheme; 5% company contribution, but we will match up to a further 5% of your personal contribution, dependant on what you choose to opt in for
  • Life assurance x8 of your annual salary
  • Free individual private medical insurance. You can also add your dependants on for a small cost
  • A variety of company share schemes you can join
  • Discounts at both a huge range of high street stores and on our own products 
  • We’re a growing business that’s passionate about colleague development. This means there’s lots of opportunity to progress once you’re here!
  • Your hard work will be rewarded when you join us

Operating hours: Monday -Friday. Flexible hours between 8:30am -6pm. 35hr week.

About L&G

The brand with the brolly is choosing today to change tomorrow.

Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands. 

We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet.

We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.

At L&G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.

Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&G. Will you join us?

About the business area

Life can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal & General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions. 

Our commitment to Equal Opportunities

Great minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.

We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status. In fact, we embrace every dimension of diversity to reflect the customers and communities we serve.

We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.

We all work differently, and have different needs, which is why. we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.

So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

How to find out more

If this opportunity excites you but you’re not sure you meet all the requirements, or you’d like to know a bit more, please contact David Mfon at David.Mfon@landg.com (LinkedIn: linkedin.com/in/david-mfon-235936160).

If you’d like to be considered for this role, please submit your application through our careers website as we’re not accepting email applications.

About L&G

The brand with the brolly is choosing today to change tomorrow.

Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands. 

We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet.

We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.

At L&G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.

Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&G. Will you join us?

About the business area

Life can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal & General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions. 

Our commitment to Equal Opportunities

Great minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.

We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status. In fact, we embrace every dimension of diversity to reflect the customers and communities we serve.

We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.

We all work differently, and have different needs, which is why. we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.

So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

How to find out more

If this opportunity excites you but you’re not sure you meet all the requirements, or you’d like to know a bit more, please contact David Mfon at David.Mfon@landg.com (LinkedIn: linkedin.com/in/david-mfon-235936160).

If you’d like to be considered for this role, please submit your application through our careers website as we’re not accepting email applications.