Claims Representative (Remote)

MEM•St. Louis, MO

1d•Remote

About The Position

Are you an experienced claims professional ready to take on complex cases and make a meaningful impact? MEM Insurance is seeking a seasoned Claims Representative to join our dynamic Claims team. In this role, you will manage a caseload of high-exposure workers’ compensation claims, oversee advanced medical case management, and develop tailored Return-to-Work plans. You’ll collaborate with vocational consultants, legal counsel, and internal teams to ensure compliance, negotiate settlements, and deliver exceptional service to our policyholders. This position offers the opportunity to work independently while providing leadership on complex claims and contributing to workflow improvements.

Requirements

High school diploma or equivalent required; bachelor’s degree preferred.
Valid driver’s license required; Texas-All Lines license preferred.
3–5 years of claims handling experience, primarily in Workers’ Compensation.

Nice To Haves

Associate in Claims (AIC) designation preferred.

Responsibilities

Manage complex workers’ compensation claims involving high financial exposure, sensitive issues, or extended life cycles.
Investigate coverage and compensability, ensuring thorough documentation and compliance with state statutes.
Oversee advanced medical case management, including coordination with Nurse Case Managers and external vendors.
Develop and implement Return-to-Work plans for high-risk claims, collaborating with vocational consultants and legal counsel.
Identify and investigate potential fraud and subrogation opportunities, partnering with the Special Investigation Unit.
Establish and maintain accurate claim reserves within authority levels, ensuring timely responsiveness to changing circumstances.
Evaluate and negotiate settlements within approved authority levels, including structured settlements and Medicare compliance.
Collaborate with legal counsel to manage litigation and ensure adherence to MEM guidelines.
Maintain accurate system data and prepare reports for management on high-profile claims.
Foster cross-departmental collaboration with Underwriting, Premium Consultation, and Loss Prevention.
Provide mentorship and training to junior adjusters, supporting professional growth and team development.

Benefits

Health Plans: Medical, Dental, and Vision
Includes fertility benefits, fully paid preventative care, and adult orthodontia.
Employer-Paid Life and Disability Benefits:
Life Insurance (3x base salary), AD&D, Short and Long-term Disability.
Wellness and Recognition Program: Employer-paid incentives for employees and spouses.
Flexible Spending Account and Dependent Care options
Health Savings Account: Generous employer contribution.
Time Away from Work:
Generous PTO, 11 Holidays + 4 Early Releases, 16 Hours Volunteer Time Off, 20 Days Paid Parental Leave, Marriage, Bereavement, and Jury Duty leave.
Employee Assistance Programs
401k Retirement Plan: Employer match and profit sharing.
Adoption Assistance and Tuition Assistance