Job Description

Claims Examiner III, Accident & Health

At AIG, we are reimagining the way we help customers to manage risk. Join us as a Claims Examiner III, Accident & Health to play your part in that transformation. It's an opportunity to grow your skills and experience as a valued member of the team.

Make your mark in Claims

Our Claims teams are the proven problem solvers of choice for clients, delivering consistent technical excellence and showcasing our service differentiation to create an unparalleled global claims handling experience. Through a robust stakeholder feedback loop and supported by consistent processes and leadership, we take pride in delivering responsive, fair and professional service with empathy and efficiency.

How you will create an impact

This position of the Claims Examiner III Accident and Health is responsible for handling various types of personal accident and health claims including accident death and dismemberment claims, accident and sickness claims, critical illness claims, hospital cash claims, out of country medical and business-related travel claims. The candidate for this position must operate in accordance and within all operational/Best Practices guidelines. This would include determining coverage, drafting denial letters, attendance at mediation / settlement conference and instructing attorneys in the negotiation and settlement of claims.

The Claims Examiner III Accident and Health will be responsible to handle all aspects of claim resolution for assigned claims while providing world class service to external and internal customers.

Specific accountabilities:

• Confirm coverage of claims (AD&D, accident and sickness claims, critical illness, hospital cash claims, out of country medical and business-related travel claims) by reviewing policies and documents submitted in support of claims.
• Analyze coverage and communicate coverage position.
• Conduct, coordinate, and direct investigation into loss facts.
• Determine eligibility of claims and amounts owed under the terms of the contract.
• Recognize and pursue subrogation where warranted.
• Recognize and make appropriate Risk and Fraud referrals.
• Operate within our best practices guidelines, including timely reserve review, notes, payment requests, electronic diary.
• Other duties as assigned.

What you will need to succeed

• Insurance claims experience of at least 3+ year(s) with exposure to Accident and Health claims preferred, and/or, sickness and accident benefits type injury claims or any related experience.
• College/University or equivalent industry experience.
• State Licensing required, or will need to be obtained
• Proficient computer skills to navigate paperless claim file system.
• Excellent written, verbal communication, and interpersonal skills.
• Ability to manage workload effectively and efficiently/ability to prioritize is essential.
• Willingness to work closely with colleagues on skill development.
• Ability to read and interpret insurance policies.
• A highly organized individual with ability to work in a high pace environment

Ready to accelerate your career? We would love to hear from you.

Compensation for this position includes base salary and eligibility for a bonus in accordance with the terms of the applicable incentive plan. In addition, we're proud to offer a range of competitive benefits.

Enjoy benefits that take care of what matters

At AIG, our people are our greatest asset. We know how important it is to protect and invest in what's most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial securityas well as your professional developmentto bring peace of mind to you and your family.

Reimagining insurance to make a bigger difference to the world

American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world's most far-reaching property casualty networks. It is an exciting time to join us across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Welcome to a culture of inclusion

We're committed to creating a culture that truly respects and celebrates each other's talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG's greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.

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