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Claims Processor

Job Title: Claims Processor
Department: Claims
Reports to: AVP of Claims
Job Type: {Full-Time}
FLSA status: {Non-Exempt}

ELCO’s Expectations For All Employees

As an ELCO employee you will be responsible for understanding, practicing, and promoting ELCO’s Purpose Statement.

ELCO will cultivate, nurture, and enhance long standing relationships with insurance professionals and policyholders by being a trusted partner providing tailored solutions to achieve financial goals.

You will demonstrate the ability to provide outstanding customer service to both internal co-workers and external insurance professional and policyholders by modeling the following traits:

  • Reliability

  • Accountability

  • Knowledge of ELCO’s products

  • Ability to create and sustain positive connections with clients

  • Commitment towards continuous learning to ensure exemplary performance and high-quality work product

You will demonstrate an understanding that all successful organizations need for their employees to share pertinent information in a timely manner to the appropriate parties and constantly demonstrate that understanding.

Position Summary:

A Claims Department Processor requires a broad understanding and knowledge of ELCO’s products and services. This team member builds and maintains superior customer relationships by understanding and assessing the specific needs and customizing service to meet those expectations. The person in this position will provide exceptional customer service and support to agents, policy owners, beneficiaries, co-workers and other financial firms by processing life insurance and annuity claims according to the terms and conditions outlined in the contract.

Job Responsibilities:

  • A thorough knowledge of all settlement options for all the insurance and annuity contracts offered by ELCO

  • Interacts, responds, and resolves customer claim requests via multiple channels including phone, email and written correspondence

  • Work with agents, agency personnel, claimants, beneficiaries, medical institutions and attorneys to provide information related to the processing of life insurance and/or annuity death claims

  • Investigates, research and reviews group and individual life and annuity contracts in order to ensure that accurate paperwork is prepared and sent to the proper claimant(s)

  • Assist the claimants or agency personnel in collecting the necessary data, completing the appropriate forms as well as interpreting the policy/contract provisions if there should be any questions

  • Analyzes complex claims documentation and correspondence to process claim transactions accurately and assists with client requests to determine appropriate outcomes. This process entails mathematical calculations to determine correct benefit amounts as well as postmortem interest

  • Participate as a team member in problem resolution and projects supporting continuous process improvement

  • Stay abreast of and adhere to ELCO processes and procedures, industry changes, federal and state legislation, and regulations

  • Assist in peer development

  • Review daily reports

  • Participate in staff meetings by providing feedback, ideas, and suggestions necessary for our continued pursuit of excellent customer service

  • Other duties as assigned.

Success Factors:

  • Ability to portray compassion and empathy and instill confidence verbally as well as in written form

  • To be highly organized, detail oriented, able to set priorities, manage time effectively and multitask with daily interruptions

  • Analytical skills necessary to make decisions and resolve conflicts

  • Mathematical acumen

  • Self-motivated, strong work ethic, positive attitude, and ability to take direction

  • Ability to complete tasks accurately and in a timely manner


  • 2-3 years of insurance administration experience, preferred
  • Demonstrated experience in navigating through complex computer systems (internal computer systems as well as Microsoft Office) with minimal assistance required

  • Customer service experience required

  • Must be punctual and highly responsible

Physical Demands and Work Environment:

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

*Physical demands: Constant use of both hands, arms reaching handling/grasping/keyboarding, using phone, calculator, and other office equipment, writing instructions, filing and performing other administrative duties. Employee must occasionally lift and/or move up to 15 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

*Work Environment: The noise level in the work environment is usually minimal.


• Competitive Pay

• Company contributions towards employee and dependent health, dental and life insurance plans

• Paid vacation and sick pay

• 401K Contribution

• Tuition Assistance

• Hybrid office/work model

• 37-hour work week


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