Claims Assessor

LV Life & Pensions are looking for someone to join the team on a 12 month Fixed Term contract.

To ensure legitimate claims are paid accordingly to LV’s Protection products for life, critical illness and income protection policies.

Linked to our Exeter offices, you can work fully remotely, however you will be expected to visit the offices quarterly and first 2-3 weeks for training (expenses paid)

**About you**:

- To assess Life and Disability claims in accordance with specified departmental procedures and determining the level of benefit to be paid
- To assess & manage claims with special regards to policy conditions, medical, financial & occupational evidence, authorising claims visits & use of private investigators as appropriateProvide fair and balanced decisions using the appropriate amount of evidence necessary
- Be able to make high quality decisions in an efficient customer focused way
- Provide concise and robust justifications of decisions and refer cases to third parties, including CMO and re-assurers in an accurate and clear manner
- Use excellent customer service skills to build & maintain relationships with customers and intermediaries.
- Contribute ideas for the continuous improvement of the operational process to aid the resourcing of the department as a whole, thus enabling the areas KPI’s to be met
- Contribute suggestions and ideas to improve the customer journey
- Obtain ongoing CPD by self-education, attending training seminars, industry events and provide feedback to colleagues and other business areas as required
- Provide training, coaching, support and feedback to other members of the team
- To support projects / testing, where needed, to help support the business change plans

Product range: Life, Critical Illness, Income Protection, TPD, Business Protection and Waiver of Premium (can be a limited set of products depending on business need & skills)

**Details**:
- Excellent communication and interpersonal skills; both written and on the phone.
- Ability to work in a high paced, changing environment whilst maintaining a high degree of accuracy and meeting tight deadlines.
- Good administration skills, including the ability to manage, plan, organise, and prioritise your own workload to adapt to customer needs.
- The ability to work on your own on complex cases whilst also helping your team deliver on key targets.
- Proactively consider the evolving needs of the business, and our changing industry.
- The ability to make pragmatic decisions and judgements on your own cases in line with regulatory requirements and the LV= values.
- Excellent numeracy and literacy, plus a real eye for detail.
- Working knowledge of Microsoft Office (Word, Excel and Outlook).
- Over 3 years of experience in initial/full medical underwriting or claims assessment.
- Good knowledge of all LV= Protection products

Desirable
- CII exams in Life & Disability underwriting (or similar)
- CII exams in Health Claims (or similar)

**Why work for us?**:
This role is a Band B in the LV= Structure. To find out more about our bands, click to view our FAQ page here. We want you to love what you do that’s why we’ve put together a benefits package that recognises and rewards a job well done.

At LV= Life and Pensions, you’ll go above and beyond to do the right thing for our customers and we’ll reward you with an attractive, competitive salary and benefits package in exchange for your hard work.

**Rewards and Benefits**:

- 26 days' holiday - which increases after two years’ service to 28 days
- The opportunity to buy or sell up to five days’ holiday
- An annual bonus scheme based on company and personal performance
- Flexible benefits - Cycle to work scheme/Health Assessment/Personal Accident Insurance/Critical Illness/Private Medical Insurance/Dental Insurance
- A competitive pension for which LV= Life and Pensions will double match the amount you pay, up to 14%
- Group Life Assurance 4 x basic pay to your dependants, You’ll have the option to increase to x 8 times cover
- Group Income Protection, if a member of the Pension scheme and reached 5 years’ service
- Employee Assistance Programme (EAP) service for support through difficult times in your life
- Virtual GP service
- Shared parental leave
- You’ll receive up to 20% discount on our life products for you and your immediate family.

Here at LV= Life and Pensions we always love to hear from great people, so don’t forget to follow us on Instagram, Twitter, LinkedIn and become a fan on Facebook.

At LV= Life & Pensions you’ll find we thrive on the benefit of everyone’s differences. Whoever you are, whatever you are and in whatever way you identify, you’re welcome here. We’ll make reasonable adjustments to specific needs to make sure your individual requirements are accommodated as far as possible. Being totally committed to equal opportunities opens up massive benefits, not just to our organisation and people but also to our members a