Claims Adjuster - NIHL/Deafness
Birmingham - 2 days in office
Key Responsibilities
* Accurately maintain and update claims files, ensuring all data is recorded in line with best practices and reflecting appropriate technical complexity and exposure.
* Apply sound judgement to verify policies and determine coverage by analysing relevant policy terms and assessing whether losses fall within scope.
* Assess damages by calculating legally recoverable amounts or reasonable ranges in accordance with applicable law.
* Negotiate claim settlements by developing effective negotiation strategies and utilising available tools and authority levels, referring matters when required.
* Deliver high standards of customer service through proactive communication and timely responses in line with service protocols.
* Manage litigation where applicable by instructing approved panel solicitors, establishing litigation plans and budgets, coordinating legal activities, reviewing settlement opportunities, and authorising expenses within authority limits.
* Ensure full legal and regulatory compliance, adhering to relevant laws, regulations, and internal controls.
* Secure contributions and recoveries where appropriate.
* Escalate potential fraud cases to management promptly.
* Support profitable growth by identifying risk insights, trends, and emerging exposures.
* Act as a technical resource by mentoring junior colleagues and sharing subject matter expertise within the relevant line of business.
* Safeguard the organisation's reputation by maintaining confidentiality and treating customers fairly at all times.
* Maintain professional knowledge through continuous learning, industry engagement, and participation in professional networks or societies.
* Contribute to team objectives and participate in projects as required.
* Identify and resolve issues in accordance with established policies, procedures, and standards to ensure consistent and high-quality outcomes.
* Take ownership of personal development and seek opportunities for growth.
* Adopt a proactive approach to claims management, encouraging early resolution to minimise lifecycle duration and associated costs.
* Ensure all valid policy obligations are met, customers are treated fairly, and conduct requirements are fully satisfied.
* Participate in audits, due diligence processes, and policyholder meetings where required.
* Comply with all regulatory and company policies, maintain confidentiality, and represent the company professionally at all times.
Candidate Profile
* Capable of managing a high volume of lower-value claims independently, with moderate supervision.
* Confident in making and supporting coverage and liability decisions using sound judgement.
* Committed to continuous personal development.
* Demonstrates strong alignment with corporate values and teamwork principles.
* Proactive in managing claims to achieve timely and cost-effective resolutions.
Skills
* Ability to recognise when to seek senior input on complex matters.
* Strong written and verbal communication skills, including preparing clear reports for senior management.
* Commitment to ensuring policy obligations are met, customers are treated fairly, and conduct requirements are upheld.
* Awareness of current legal, regulatory, and medical developments impacting claims handling.
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