Nationwide Claims Specialist II, Workers Comp in Des Moines, Iowa
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JOB SUMMARY: Investigates and handles complex medical and/or loss of time workers compensation claims involving multiple states to determine compensability, entitled benefits, average weekly wage and benefit rate, in accordance with applicable State Workers Compensation Statute. Promotes and provides "On Your Side" customer service. Establish timely and appropriate case reserves in accordance with Best Practices and manage claim to appropriate closure. Provides timely and accurate claims administration according to contract and/or client service plan and within applicable state laws.
RELATIONSHIP: Reports to Supervisor/Manager
DIRECT REPORTS: None
Provides appropriate notices to policyholders and injured employee in accordance with applicable state Workers Compensation statute, and obtains appropriate forms and documentation to verify employee/employer relationship and average weekly wage. Completes and files appropriate FROI and SROI's as required by individual State Workers Compensation Statute and EDI reporting regulations.
Employs appropriate claims management techniques and direct intervention (I.e., independent medical examinations, referral for rehabilitation, utilization review, etc.) to manage each claim. Maintains contact with policyholders and injured worker and pursues return to work initiatives. Utilizes effective TNCM or Field Nurse Case Management services to assist with managing medical care and return to work activities. Consults with internal CMS for future care needs and issues of LE. Evaluates exposures, manages ongoing case reserves in accordance with Best Practices and negotiates settlements as appropriate. Documents significant activity and decision in each claim via on-line claim system.
Evaluates all pertinent information and works in conjunction with claimant/client to pursue most appropriate claims resolution.
Fully Investigates and pursues third party recoveries and any applicable deductibles. May utilize the services of Nationwide recovery unit, and/or partner with designated outside counsel/trial division, or by giving notice of lien to plaintiff counsel handling third party litigation. Claim Zone Field assist referrals and/or outside consulting expert may be utilized to gather, obtain and secure critical information.
Manages litigated claim issues in accordance with Best Claims Practices. Obtains appropriate litigation budgets and develops appropriate POA in partnership with counsel, and manages litigation expenses of Nationwide Trial Division or approved outside counsel.
Promptly and effectively handles to conclusion all assigned claims with little to no direction and oversight. Makes decisions within delegated authority as outlined in company policies and procedures. Adheres to high standards of professional conduct consistent with the delivery of superior service.
Submits severe incident reports, reinsurance reports and other information to home office, claims management, and underwriting.
Reviews files for Medicare reporting obligations and submits appropriate Medicare query,ORM and TPOC reports. Will handle claims involving MSA's at time of settlement and which may be funded by a Structured Settlement.
Partners with SIU and Subrogation to identify fraud and subrogation opportunities.
Delivers a positive On-Your-Side customer service experience to all internal, external, current and prospective Nationwide customers.
May periodically conduct customer/account visits to review reserves and discuss status of significant claims. May also present educational workshops to client personnel.
Other duties as assigned.
Education: Undergraduate studies in business administration or related field preferred and/or relevant Workers Compensation experience
Licenses/Designations: State licensing where required. Successful completion of required/applicable claims certification training/classes.
Experience: Three to five years prior experience in workers compensation claims.
Knowledge: Advanced knowledge of insurance theory and practices, insurance contracts and their application. Familiarity with claims processing and claims best practices and procedures preferred. Proven knowledge of insurance contracts, medical terminology, workers compensaiton, and the legal aspects of court procedures affecting legal liability for all lines of insurance. Knowledge of claims systems.
Skills/Competencies: Excellent customer focus and proven ability to proactively meet customer needs. General knowledge of insurance theory and practices, insurance contracts and their application. Familiarity with claims processing and claims best practices and procedures preferred. Proven knowledge of insurance contracts, medical terminology, workers compensaiton, and the legal aspects of court procedures affecting legal liability for all lines of insurance. Knowledge of claims systems.Proven analytical skills necessary to make decisions and resolve conflict in such areas as application of coverage to submitted claims, application of laws of jurisdiction to investigation facts, application of policy exclusions and exceptions. Proven ability to establish repair requirements and cost estimates for extensive losses and serves as a subject matter expert on respective claims projects. Proven organizational skills to effectively prioritize increased and more complex workloads.Demonstrates strong but flexible standards and can act different, can be seen as balanced based on the conflicting demands of the position. Excellent written and verbal communication skills necessary to effectively communicate and/or negotiate with policyholders, claimants,attorneys, agents, and general public.
Demonstrated leadership capabilities to effectively train, coach, and provide feedback to less experienced associates.
Values: Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Staffing Exceptions to the above Minimum Job Requirements must be approved by: Business Unit Executive and Human Resources.
Working Conditions: Normal office environment. May require ability to sit and use telephone and personal computer for extended periods of time. Must be willing to work irregular hours and to travel with possible overnight requirements. Must be available to work catastrophes (CAT) requiring travel to CAT site with multiple on-site responsibilities and/or for extended periods of time. Extended and/or non-standard hours as required.
Credit/Background Check: Due to the fiduciary accountabilities within this job, a valid credit check and/or background check will be required as part of the selection process.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Job Evaluation Activity: Edited 5/2/11 JTG
Additional Job Description
This position will support Nationwide Agribusiness claims. Ideal candidate will have Workers' Compensation Claims handling experience.
#claimsSmoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.
Job ID: 52066