United States onlyThe world isn’t standing still, and neither is Allstate. We’re moving quickly, looking across our businesses and brands and taking bold steps to better serve customers’ evolving needs. That’s why now is an exciting time to join our team. You’ll have opportunities to take risks, challenge the status quo and shape the future for the greater good.
You’ll do all this in an environment of excellence and the highest ethical standards – a place where values such as integrity, inclusive diversity and accountability are paramount. We empower every employee to lead, drive change and give back where they work and live. Our people are our greatest strength, and we work as one team in service of our customers and communities.
Everything we do at Allstate is driven by a shared purpose: to protect people from life’s uncertainties so they can realize their hopes and dreams. For more than 89 years we’ve thrived by staying a step ahead of whatever’s coming next – to give customers peace of mind no matter what changes they face. We acted with conviction to advocate for seat belts, air bags and graduated driving laws. We help give survivors of domestic violence a voice through financial empowerment. We’ve been an industry leader in pricing sophistication, telematics, digital photo claims and, more recently, device and identity protection.
We are the Good Hands. We don’t follow the trends. We set them.
Job Summary:
The Adjuster is responsible for verifying policy coverage and limits. The Adjuster investigates and evaluates damage and/or liability; estimates damages, losses, or total indemnity; sets and maintains reserves; and/or negotiates and settles claims. First party claims involve coverage determination, investigation, negotiation, and resolution of eligible injured parties' claims.
Under general supervision, this job is responsible for handling the medical portion of auto accident claims for the insured or other injured parties found to be eligible under a personal injury protection and/or medical payment benefits where the policy limits or exposure to the company is limited. This individual determines coverage and assesses medical claims, evaluates medical bills, and initiates or reviews potential fraud investigations as warranted. The individual explains coverage, negotiates and settles claims, and follows up with the customer on continuing treatments while delivering compassionate service that is fast, fair, and easy, to ensure customer retention. At this level, the individual typically negoaites and settles minor and moderate claims, such as claims in less regulated states (or on occasion more complex claims with guidance as needed). The individual is capable of working independently, prioritizing the individual's own responsibilities, and managing the individual's own workload. The individual is also gaining experience and consistently meets band level behaviors, production, quality, and/or customer service goals.
Work Location:
Remote Home-Based Work
This position is a permanent remote home-based role. Your home office does not need to be near an Allstate office, but it does need to be in the United States. This position is not available for California, Alaska, and Hawaii residents.
When you work from home full time, you’ll need:
- a home office – a dedicated workspace in your residence that is private and free from distractions
- a minimum internet bandwidth of 50 MB down/5 MB up
- appropriate work surface and seating
What will Allstate provide?
- A technology bundle that includes all equipment needed to perform your work from home (laptop, monitors, headset, keyboard, mouse)
- Connectivity reimbursement of $80 per month to off set some of the cost of internet
Key Responsibilities:
Customer Service
- Makes and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met
File Documentation and Reporting
- Summarizes documents and enters into claim system notes
- Documents a claim file with notes, evaluations and decision making process
- Processes medical bills and recognizes medical management opportunities
Medical Management (1st Party)
- Assesses medical/physical condition and prior injuries of claimant, and obtains and analyzes medical bills, wage loss reviews, home service or attendant care, mileage payments, and other related claims to determine reasonableness of charges and relation of injuries to accident, and to ensure compliance with fee schedules, and detect duplicate billing
- Conducts first party file processing/fact gathering, including interviewing claimant, witnesses, medical providers, etc.
- Evaluates medical records and treatment plan of claimant and determines if continued treatment is reasonable
- Sets up IME and reviews results
- Investigates, reviews, and accepts or rejects basic or occasionally moderately complex coverage and other potential coverage; and investigates coverage denial questions
- Determines appropriate benefit and negotiates and settles basic and occasionally moderately complex claims, including resolution of basic and occasionally moderately complex usual and customary billings
- Monitors treatment and benefit payments for excessive, unreasonable, or abusive claims
- Handles specialized claims in moderate to complex situations
Preferred Qualifications:
- PIP/MedPay claim handling experience preferred
- 2 years of insurance claim handling/adjusting preferred
- Complex liability claim handling preferred
- Ability to interact effectively with internal or external customers and act with empathy
- Beginning to apply knowledge of insurance policy, coverage, and regulation preferred
- Beginning to apply knowledge of claim processes, policies, procedures, claim systems, coverage, liability, damage estimating, and/or settlement, and adherence to applicable legal compliance standards preferred
- Beginning to apply industry knowledge to discipline practices, including best practices, to support the business unit preferred
- Beginning to apply knowledge of basic analytical procedures to reconcile, manipulate, and recognize patterns of data preferred
- Beginning to apply knowledge of standardized problem solving and preparation of basic reports for analysis preferred
- Beginning to apply ability to leverage learned technical skills in support of team objectives preferred
- Beginning to apply negotiation and/or arbitration skills preferred
- Beginning to apply conflict management and problem resolution skills in managing internal and external customer relationships preferred
- Ability to investigate, evaluate, negotiate and settle basic and occasionally moderately complex claims preferred
- Provides individual decision making within authority limits preferred
- Has and maintains all appropriate licenses and registrations for the role per state requirements preferred
Certificates, Licenses, Registrations:
As a condition of employment, you will be required to obtain an adjuster's license. Your manager will work with you along with the centralized licensing team to ensure that you are properly licensed.
Compensation Data:
You may be eligible for a $1,000 Licensing Sign-on Bonus if you have the applicable active licenses needed for this role. This could include Home Resident Property & Casualty License, Designate Home State (DHS) Florida or Texas License, and/or applicable Appraiser License.
Candidates who have previously worked for and are seeking to be rehired at Allstate and its family companies are not eligible for this sign-on bonus.
Compensation offered for this role is $45,000.00-$67,500.00 per year and is based on experience and qualifications.
The candidate(s) offered this position will be required to submit to a background investigation, which includes a drug screen.
Good Hands. Greater Together. ℠
As a Fortune 100 company and industry leader, we provide a competitive salary – but that’s just the beginning. Our Total Rewards package also offers benefits like tuition assistance, medical and dental insurance, as well as a robust pension and 401(k). Plus, you’ll have access to a wide variety of programs to help you balance your work and personal life -- including a generous paid time off policy. For a full description of Allstate’s benefits, visit https://www.allstate.jobs/benefits/
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Allstate generally does not sponsor individuals for employment-based visas for this position.
Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.
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It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.
