Claims Examiner

Securian Financial • Saint Paul, MN

2d • Hybrid

About The Position

At Securian Financial, we are committed to providing exceptional service and delivering on our promises to customers, beneficiaries, employers, and business partners. As a Claims Examiner, you will investigate, evaluate, and adjudicate claims while balancing accuracy, timeliness, compliance, risk management, and customer experience. Successful candidates are analytical, detail-oriented professionals who communicate effectively, exercise sound judgment, and leverage a variety of communication methods to support customers, gather information, and resolve claims efficiently while delivering a positive and compassionate customer experience.

Requirements

• 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.
• Demonstrated ability to make sound decisions and manage multiple priorities.
• Ability to learn and adapt to new and/or changing technologies and processes.
• Commitment to providing a high-quality customer experience.

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 navigate sensitive situations with empathy, professionalism, and strong judgement.
• 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 leverage 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 in a clear, timely, and professional manner.
• Proactively utilize phone, email, and written correspondence to support customers and facilitate timely claim resolution.
• Recognize opportunities where a direct conversation can improve understanding, reduce customer effort, and create a more positive customer experience.
• Maintain thorough claim records that 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.
• Support workload continuity by assuming responsibility for in-progress claims during team transitions, ensuring uninterrupted service for customers.

Benefits

• Paid time off: We want you to take time off for what matters most to you. Our PTO program provides flexibility for associates to take meaningful time away from work to relax, recharge and spend time doing what’s important to them. And Securian Financial rewards associates for their service by providing additional PTO the longer you stay at Securian.
• Leave programs: Securian’s flexible leave programs allow time off from work for parental leave, caregiver leave for family members, bereavement and military leave.
• Holidays: Securian provides nine company paid holidays.
• Company-funded pension plan and a 401(k) retirement plan: Share in the success of our company. Securian’s 401(k) company contribution is tied to our performance up to 10 percent of eligible earnings, with a target of 5 percent. The amount is based on company results compared to goals related to earnings, sales and service.
• Health insurance: From the first day of employment, associates and their eligible family members – including spouses, domestic partners and children – are eligible for medical, dental and vision coverage.
• Volunteer time: We know the importance of community. Through company-sponsored events, volunteer paid time off, a dollar-for-dollar matching gift program and more, we encourage you to support organizations important to you.
• Associate Resource Groups: Build connections, be yourself and develop meaningful relationships at work through associate-led ARGs. Dedicated groups focus on a variety of interests and affinities, including: Environmental Health & Sustainability Mental Wellness and Disability Pride at Securian Financial Securian Young Professionals Network Securian Multicultural Network Securian Women and Allies Network Servicemember Associate Resource Group

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed