Workers Compensation Claims Representative

Auto-Owners Insurance • Lake Elmo, MN

1d • $50,000 - $81,500

About The Position

Auto-Owners Insurance is seeking a motivated candidate to join its Workers Compensation Claims Branch as an Associate Claim Representative. The role investigates and adjusts workers compensation claims, determines coverage and liability, evaluates losses, and pays or denies claims. It includes reviewing medical bills and authorizing accurate, timely payments; conducting investigations by phone, mail, and on site; and obtaining information from employers, employees, medical providers, and attorneys. The representative works toward claim resolution and may attend arbitrations, mediations, depositions, or trials as necessary. The role also services agents, policyholders, and injured workers, and builds familiarity with insurance coverage by reviewing policies, endorsements, and forms.

The position begins with in-person training. After initial training, a merit-based work-from-home program may provide flexibility, as determined by the leadership team. Auto-Owners offers a structured training program, employee mentoring, and a friendly work environment. The base salary range is $50,000–$81,500, with starting salary based on relevant experience, education, qualifications, and other job-related factors. Additional compensation may include several bonus opportunities.

Requirements

• Bachelor’s degree or equivalent years of direct workers compensation claims handling experience for an insurance carrier.
• Familiarity with a broad range of medical terminology.
• Above-average written and verbal communication skills.
• Ability to organize and interpret data, multitask, and make decisions independently.
• Ability to resolve complex issues.
• Interest in developing product knowledge through participation in approved educational programs.
• Ability to work in the U.S. without current or future sponsorship.

Responsibilities

• Investigate and assemble facts, determine policy coverage, evaluate losses, analyze legal liability, and pay or deny claims.
• Review medical bills, authorize payments, and ensure payments are issued accurately and on time.
• Handle investigations by phone, mail, and on site.
• Contact employers, employees, hospitals, doctors, and attorneys to obtain information needed to adjust claims.
• Work toward resolving claims and attend arbitrations, mediations, depositions, or trials as necessary.
• Service the needs of agents, policyholders, and injured workers.
• Review insurance policies, endorsements, and forms to become familiar with insurance coverage.

Benefits

• Matched 401(k).
• Fully funded pension plan once vested.
• Bonus programs and several bonus opportunities.
• Paid time off, including holidays, vacation days, personal time, and sick leave.
• Structured training program.
• Employee mentoring.
• Friendly work environment.
• Competitive compensation and benefits package.

What This Job Offers

• Job Type: Full-time