Income Protection Claims Assessor

Job title: IP Claims Assessor

Salary: Competitive, dependent on experience, plus benefits

Location: Home-based

PURPOSE OF ROLE

An award-winning protection and health insurer is looking for an IP Claims Assessor to join its Income Protection Claims team. You will manage claims across the full range of protection products, balancing sound commercial decisions with fairness so that every customer is treated well at the moment that matters most. You will play a key part in maintaining regulatory compliance, upholding FCA Consumer Duty principles and delivering the outstanding service this insurer is known for. This is a fantastic opportunity to join a well-respected, growing business that genuinely invests in its people, with the flexibility to work from home.

RESPONSIBILITIES

•      Assess and authorise Income Protection claims accurately and promptly, in line with policy terms and conditions, claims procedures and the claims philosophy

•      Review ongoing claims, making appropriate referrals and recommendations for management plans

•      Liaise effectively with medical professionals, intermediaries, and internal and external customers

•      Support and guide customers through the claims journey, handling both successful claims and the small minority that must be declined with care and empathy

•      Source and arrange independent assessments, treatments and home visits in line with claims management policy

•      Maintain regular contact with policyholders to build relationships and support a smooth return to work

•      Ensure compliance with regulation surrounding fraud, anti-money laundering and financial crime, reporting any suspicion or potential risk immediately

DAY-TO-DAY

•      Managing your own caseload of new and ongoing Income Protection claims

•      Speaking with policyholders, medical professionals, advisers and employers by phone and in writing

•      Writing confidential correspondence to medical professionals, financial advisers, policyholders, reassurers, employers and suppliers

•      Keeping accurate records and escalating urgent issues to your manager

•      Keeping up to date with industry developments and contributing to the ongoing improvement of the claims philosophy, service, systems and procedures

EXPERIENCE

•      Experience of claims business processes, including policy cover, financial/medical underwriting criteria and conflict handling

•      Insurance industry knowledge, ideally within protection or income protection

•      An understanding of the financial adviser market and how it interacts with protection products

•      Must have the right to work in the UK

SKILLS

•      Excellent customer service skills with the ability to handle difficult conversations with empathy

•      Effective communication skills, both oral and written

•      Excellent organisation and prioritisation skills, with the ability to plan and manage your own workload

•      Good solution-finding, analytical and decision-making skills

•      A good team player who builds open, constructive relationships

•      Excellent IT skills, including Microsoft Office

•      A desire to grow and develop, including a willingness to study for and take relevant industry examinations

If you have the relevant experience or know someone that does, please contact Glenn Youens on (phone number removed) or email (url removed)