Workers' Compensation Claims Representative

SFM Mutual Insurance Companies • Bloomington, MN

2d • Hybrid

About The Position

Join the top Workers Compensation insurance provider and experience an environment where you’ll enjoy great work/life balance and the satisfaction of helping others. In this collaborative role, you’ll partner with internal teams, employers, and injured workers to manage claims from initial contact through resolution while ensuring compliance with state statutes and company best practices. Delivering outstanding customer service to all parties involved and carrying out the Organization’s mission to “do the right thing” is a must. Lost time experience is needed. SFM offers a robust benefit package which enables you to navigate your work-life journey successfully. Hybrid work is offered. Experienced workers’ compensation claims adjusters are encouraged to apply and will be considered for a higher role if qualified. At SFM, we believe our employees are our greatest asset, and we’re committed to providing a supportive, growth-oriented work environment.

Requirements

• 6+ months of workers’ compensation lost time experience, required.
• Knowledge of applicable Workers’ Compensation statutes and regulatory reporting
• Understanding of medical terminology, anatomy, and insurance fundamentals
• Strong analytical, problem-solving, and decision-making skills
• Excellent communication and interpersonal skills with a customer-first mindset
• Ability to manage multiple priorities with strong organization and time management
• Proficiency with computer systems and data management tools

Nice To Haves

• Bachelor’s degree preferred

Responsibilities

• Investigate worker compensation claims, determine compensability, and ensure compliance with state workers’ compensation laws and internal guidelines focusing on MN jurisdictions.
• Communicate with injured workers, employers, and partners to set expectations and support return-to-work strategies
• Manage medical and wage loss benefits within authority limits and coordinate external services (medical, legal, rehab), set reserves, and issue timely payments of medical and wage loss benefits
• Establish and maintain accurate claim reserves; communicate exposure and mitigation strategies
• Develop and document claim strategies, action plans, and settlement analysis while educating the employer being an effective business partner to effectively mitigate exposure
• Maintain accurate and timely file documentation aligned with regulatory and reporting requirements
• Identify and resolve payment issues, collaborating with technical experts when needed
• Contribute to team success through collaboration, mentorship, and participation in discussions and projects

Benefits

• Comprehensive medical, dental, and vision coverage (plus HSA/FSA options).
• Significant Cash Benefit if You Opt Out of Our Health Plan
• Flexible hybrid work environment.
• 401(k) with both Traditional and Roth options + company match.
• Contributions toward student loan repayment.
• Generous PTO, 9 paid holidays, and paid parental leave.
• Monthly home internet allowance.
• Free life insurance, short-term & long-term disability coverage.
• Incentive bonus opportunities.
• Adoption financial assistance.
• Pet insurance.
• Annual company-wide volunteer day.
• Discounts on gyms, fitness apps, and wellness programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level