Claims Examiner

Securian Financial•Saint Paul, MN

3d•$19 - $33•Hybrid

About The Position

At Securian Financial, the Claims Examiner investigates, evaluates, and adjudicates claims while balancing accuracy, timeliness, compliance, risk management, and customer experience. The role supports customers, beneficiaries, employers, and business partners by gathering information, communicating through multiple channels, and resolving claims efficiently with a positive and compassionate customer experience. The internal title is Customer Benefits Payments Sr Rep. The position requires residence within a reasonable commuting distance (90 minutes) of the St. Paul office. Within that area, the role may be performed remotely or in a hybrid environment based on associate preference and business needs. Periodic in-person attendance may be required for training, onboarding, team collaboration, performance support, or other business-related activities.

Requirements

At least 2 years of customer service experience.
Strong analytical and problem-solving skills.
Excellent attention to detail and organizational skills.
Strong written and verbal communication skills.
Ability to make sound decisions and manage multiple priorities.
Ability to learn and adapt to new or changing technologies and processes.
Commitment to providing a high-quality customer experience.
Residence within a reasonable commuting distance (90 minutes) of the St. Paul office.

Nice To Haves

Knowledge of employer-sponsored life insurance, waiver of premium, accelerated death benefit, or related insurance products.
Experience adjudicating insurance claims.
Ability to handle sensitive situations with empathy, professionalism, and sound judgment.
Experience working in administrative, claims, or workflow management systems.
Experience building positive relationships with customers, business partners, and other stakeholders.
Proficiency with Microsoft Outlook, Word, and Excel.
Curiosity and willingness to learn and use AI-enabled tools to improve efficiency, decision-making, and the customer experience.

Responsibilities

Investigate, evaluate, and adjudicate claims in accordance with policy provisions, regulatory requirements, and company guidelines.
Analyze claim information to determine coverage eligibility, benefit amounts, beneficiary entitlement, and claim validity.
Gather and review information from customers, beneficiaries, employers, healthcare providers, funeral homes, and other internal and external partners.
Communicate claim requirements, status updates, decisions, and next steps clearly, promptly, and professionally.
Use phone, email, and written correspondence proactively to support customers and facilitate timely claim resolution.
Recognize when direct conversation can improve understanding, reduce customer effort, and create a more positive customer experience.
Maintain thorough claim records to support quality reviews, audits, regulatory requirements, and potential litigation.
Ensure claim decisions, documentation, and payments are accurate, complete, and compliant.
Partner with legal, medical, and investigative resources when additional expertise is needed.
Contribute to process improvements, team initiatives, and special projects as assigned.
Assume responsibility for in-progress claims during team transitions to support workload continuity and uninterrupted customer service.

Benefits

Paid time off, with additional PTO based on length of service.
Flexible leave programs, including parental, caregiver, bereavement, and military leave.
Nine company-paid holidays.
Company-funded pension plan.
401(k) retirement plan with a company contribution tied to company performance, up to 10% of eligible earnings with a target of 5%.
Medical, dental, and vision coverage for associates and eligible family members, available from the first day of employment.
Paid volunteer time and a dollar-for-dollar matching gift program.

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