Experienced Accident Benefit Claims Advisor- Senior
About The Position
TD Insurance is part of TD Bank Group, one of Canada’s largest financial institutions. We help protect clients from the “accidents of life” with products including life, health, home, auto, and travel insurance. With over 3 million clients and a national presence, we offer the opportunity to be part of a stable, growing organization where your expertise can make a meaningful impact. At TD Insurance, we are committed to fostering an inclusive environment where talent is supported, development is encouraged, and careers can truly grow. This is a primarily onsite position, with an expectation to work from the office 4 days per week. Target start date for this role is September 2026. Reporting to a Team Manager, the Senior, Accident Benefits Claims Advisor plays a key role in supporting clients through some of their most challenging moments.
Requirements
- 3+ years of Accident Benefits claims experience
- Strong knowledge of SABS
- Strong knowledge of Non-MIG / Non-CAT files
- Strong knowledge of Loss transfer / reserving
- Experience handling files with moderate to high complexity
- Background in Nursing (RN), Occupational Therapy, Physiotherapy, Kinesiology, Rehabilitation / clinical roles
- Strong understanding of injury recovery
- Strong understanding of functional assessments
- Strong understanding of medical documentation
- Background in Paralegal or legal assistant roles
- Background in Litigation support (personal injury, insurance defense, or accident benefits)
- Experience or exposure to Accident Benefits, personal injury, or insurance-related claims
- Experience or exposure to reviewing legal documentation, case files, or medical-legal reports
- Strong ability to interpret Legislation (SABS), policy language, and legal correspondence
- Strong analytical and decision-making skills
- Ability to interpret medical, legal, and technical information
- Excellent communication and client management abilities
- Confidence in handling complex and sensitive situations
- Strong negotiation and conflict resolution skills
- Ability to manage multiple priorities in a fast-paced environment
Nice To Haves
- Prior insurance experience is not required — training will be provided.
- Prior claims experience is an asset but not required — training will be provided.
Responsibilities
- Assess, investigate, and manage complex Accident Benefits claims
- Support clients through recovery by ensuring access to the right benefits and treatment
- Work closely with medical stakeholders, legal partners, and internal teams
- Apply judgement and technical expertise across medical, legal, and insurance frameworks to drive fair and timely claim outcomes
- Manage a portfolio of complex AB claims (Non-MIG / Non-CAT)
- Conduct detailed claim investigations and determine entitlement under SABS
- Interpret medical documentation and collaborate with healthcare providers
- Apply a total cost management approach, including reserving and file strategy
- Handle exposures such as: Priority of payment, Loss transfer, WSIB
- Interpret and apply legislation, policy wording, and legal frameworks in claim decisions
- Support clients through recovery and return-to-function outcomes
- Negotiate effectively with internal and external stakeholders to resolve claims
Benefits
- Competitive compensation + benefits
- Comprehensive training and onboarding support
- Strong focus on career growth and internal mobility
- Supportive, collaborative team environment
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
