Int'l Claims Analyst

Citizens, Inc.

14h

About The Position

Citizens, Inc. is a publicly traded company (NYSE: CIA) providing life insurance solutions since 1969 in the United States and globally since 1975. Operating through insurance subsidiaries, the company offers traditional insurance products in niche markets. With a dedicated team in Austin, Louisiana, and a global network of agents, Citizens, Inc. extends its reach to Latin America, Central America, and Asia. The International Claims Analyst I is responsible for quickly reviewing proofs of loss, ensuring claims are administered according to policy provisions and company practices, and collaborating effectively with others. This role demands a detail-oriented and critical thinking individual who takes initiative and works consultatively to meet expected turnaround times. The claim examiner is expected to be analytical and ensure prompt, fair payment of all legitimate claims.

Requirements

Insurance related work experience and strong computer skills acceptable (in lieu of Bachelor's degree)
Skill in Microsoft Office products
Expected to get certification through coursework; certification is required for advancement to Claims Examiner or claims management positions
Complete LOMA 1 & 2 (280 & 290) courses, Associate, Customer Service (ACS) designation and working toward the Associate, Life & Health Claims designation (ALHC)
Associate, Life & Health Claims (ALHC) and Associate, Life Management Institute (ALMI) certifications are necessary for advancement to a claims manager position
Must be fluently bilingual with the ability to read, write and speak English and Spanish

Nice To Haves

Bachelor’s degree preferred
Courses in business, finance, economics and mathematics are particularly helpful

Responsibilities

Correspond with agents, policyholders, hospitals, doctors, attorneys, beneficiaries and claimants for information regarding the claim via email or phone call
Correspond with customers for resolutions of concerns through outgoing calls or written communications
Maintain communication with management regarding development within areas of assigned responsibilities and perform special projects as required or requested
Review policy contracts and determine if coverage is applicable
Review and prepare claims for processing; maintain claims information in the claims app
Determine base payment by referring to policy coverage and limits, and determine course of action (i.e., payment, further investigation or denial)
Process verifications and manage the verification inventory
Assess, research and correct claims discrepancies, collaborate with other members of the team as needed
Approval limit will vary with experience level (up to $1000 without secondary review, up to $10,000 with release authority)
Meet and maintain the minimum qualitative standards for an International Claims Analyst I (Financial accuracy: 99.5%, Payment accuracy: 98%, Procedural accuracy: 95%)
Work well in a team-based environment
Collaborate with other team members as needed
Cross-train on various product processing within the claims department
Maintain excellent attendance record
Maintain complete confidentiality of company business
Comply with HIPAA and other privacy regulations
Obtain required certification for advancement
Operate in a professional manner and establish rapport with stakeholders

Benefits

Opportunity to make a meaningful difference in the lives of our customers, communities, and one another
Fostering a culture of camaraderie, where your ideas are valued, and collaborative efforts drive innovation
Commitment to rewarding work extends beyond professional growth to recognize your individual contributions and achievements
Medical insurance
Dental insurance
Vision insurance
Short-term disability
Long-term disability
AD&D
Group term life insurance
Matching 401k
Virtual Visits
Employee Assistance Program
Generous Paid Time Off
Holidays