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Occupational Accident Claims Specialist I – Handle disability and medical accident claims at Zurich North America.
Hybrid work in Schaumburg, IL with flexible schedule and a compensation range of $49k–$81k.
Job Description
Zurich is currently looking for an Occupational Accident Claims Specialist I to handle disability and medical accident claims within the Life, Accident, and Health Business Unit.
Zurich North America’s Life, Accident, and Health program provides insurance coverage to help financially protect both the on-the-job and independent contractors.
As part of our team, you will manage a claims caseload of low to moderate complexity, interpret policy coverages, and analyze medical time lost benefits, while resolving claims within set authority limits. You will build internal and external partnerships that include customers, brokers, and vendors as well as manage all communications throughout the life of your claims.
Work Environment
At Zurich North America Claims we acknowledge that work-life-balance and flexibility are a priority when it comes to choosing your next career move. Designed with our employees' needs in mind, the ZNA Claims hybrid work model emphasizes flexibility, allowing claims employees to conduct individual work in their preferred location while facilitating in-person connections and collaborative activities when meaningful and valuable. While the model provides a high level of flexibility and autonomy, occasional circumstances requiring in-office attendance should be expected. The candidate selected for this opportunity should be able to report to one of the following North American Claims offices: Parsippany, NJ; Addison, TX; Schaumburg, IL or Maitland, FL.
Responsibilities
- Document claims file by accurately capturing and updating claims data/information in compliance with best practices for low to moderate exposure and complexity personal or commercial line claims.
- Exercise judgement to determine liability by gathering and analyzing relevant facts; utilizing applicable law; establishing basic principles of negligence.
- Exercise judgment to determine policy verification and coverage determination by analyzing applicable coverage for claims and determining whether the loss falls within the coverage.
- Work to have a timely resolution to claims by developing case strategy; developing a case evaluation; escalating issues as appropriate.
- Establish timely reserves and perform ongoing review throughout claims cycle within authority limit by estimating and validating value of claims.
- Assess damages by calculating applicable damages or range of damages allowed by law.
- Negotiate settlement of claim by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits.
- Meet quality standards by following best practices.
- Ensure customer service by proactively communicating information; responding to inquiries; following customer protocols and may participating in customer marketing efforts.
- Manage expenses by working within vendor approved networks and managing scope of work assigned to outside contractors. Departs from approved vendors with manager approval, where in the best interests of the insured.
- Ensure legal compliance by following state and federal laws and regulations and internal control requirements.
- Refer claim to subrogation and fraud teams by identifying potential subrogation and fraud.
- Contribute to profitable growth by providing risk insight, information and trends to Business Unit or customer as needed.
- Protect Zurich’s reputation by keeping claims information confidential.
- Maintain professional and technical knowledge by participating in educational opportunities, staying current with industry trends, establishing personal networks. And participating in professional societies.
Basic Qualifications
- Bachelor’s Degree and 2 or more years of experience in the Claims or Insurance area
- Zurich Certified Insurance Apprentice including an associate degree and 2 or more years of experience in the Claims or Insurance area
- High School Diploma or Equivalent and 4 or more years of experience in the Claims or Insurance area
- Completion of Zurich Claims Training Program and 2 or more years of experience in the Claims or Insurance area
- AND Must obtain and maintain required adjuster license(s)
- Microsoft Office experience
- Knowledge of insurance regulations, markets and products
Compensation & Benefits
Your pay at Zurich is based on your role, location, skills, and experience. We follow local laws to ensure fair compensation. You may also be eligible for bonuses and merit increases. If your expectations are above the listed range, we still encourage you to apply—your unique background matters to us. The pay range shown is a national average and may vary by location. The proposed Salary range for this position is $49,500.00 - $81,000.00, with short-term incentive bonus eligibility set at 10%.
We offer competitive pay and comprehensive benefits for employees and their families. [Learn more about Total Rewards here .]
Why Zurich?
At Zurich, we value your ideas and experience. We offer growth, inclusion, and a supportive environment—so you can help shape the future of insurance. Zurich North America is a leader in risk management, with over 150 years of expertise and coverage across 25+ industries, including 90% of the Fortune 500®.
Zurich in North America does not discriminate based on race, ethnicity, color, religion, national origin, sex, gender expression, gender identity, genetic information, age, disability, protected veteran status, marital status, sexual orientation, pregnancy or other characteristics protected by applicable law. Equal Opportunity Employer disability/vets.
Zurich complies with 18 U.S. Code § 1033.
Please note: Zurich does not accept unsolicited CVs from agencies. Preferred vendors should use our Recruiting Agency Portal.
Locations & Schedule
Location(s): AM - Parsippany, AM - Addison, AM - Maitland, AM - Schaumburg Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No
Recruiter Tag
Linkedin Recruiter Tag: #LI-LC1 LI-ASSOCIATE #LI-HYBRID