Claims Assessor

Capita are seeking a Claims Assessor to join one of our key Life & Pensions accounts on a full time, permanent basis.

As a Claims Assessor, you’ll play a pivotal role in supporting our most vulnerable customers at their time of need. You'll be assessing and managing disability claims for Income Protection, Critical Illness, and Waiver of Premium. Your expertise will guide these customers through challenging times, providing them with the support they need.

We’re seeking an individual with a strong foundation of experience in the Life & Pensions industry, and an excellent grasp of the full range of IP, CI, and Life products. If you’re looking to elevate your career into specialist claims or seeking an exciting new challenge, this is the perfect opportunity for you.

Whilst full training will be provided, prior knowledge of the claims process would be highly advantageous. If you already have practical experience in assessing Life claims, or a medical background then we’d certainly like to hear from you too

This role calls for someone with a compassionate and mature attitude, as you will often interact with customers facing potentially life-changing events. You will get the satisfaction of supporting them through their time of need, though you’ll also need the resilience for tougher conversations.

The position offers the flexibility of hybrid working, mainly from home, with occasional visits to our Swindon or Cheltenham office. Therefore, it's essential you reside within a commutable distance of either location. Hours will be 37.5 per week, Monday to Friday.

Capita is an equal opportunity and disability confident employer.

**Job title**:
Claims Assessor - Life

**What will you deliver?**
- Assess and manage Disability claims for Waiver of Premium, Income Protection and Critical Illness.
- Deliver accurate, efficient, and quality service according to CLPS service level agreements and audit feedback.
- Interpret policy terms, medical evidence, and financial accounts to determine claim validity.
- Provide clear and robust justifications for decisions and liaise with third parties, including CMO, reassurers, and client contacts.
- Communicate effectively, both verbally and in writing, to manage claimant expectations and uphold Capita's high standards.
- Support a proactive approach to claim management through telephone communication for claim clarification and triage.
- Mentor less experienced team members by sharing knowledge and experience.
- Handle complaints and appeals or develop skills to manage them effectively.
- Demonstrate strong questioning skills in both written and oral communication to achieve desired outcomes.

**What are we looking for?**
- A strong knowledge of the full range of Life products, including Income Protection, Critical Illness, and Waiver Of Premium.
- Previous experience in medical claims and/or a medical background would be advantageous, however training will be provided.
- A prior knowledge of the claims processes associated with Life products.
- A mature and compassionate attitude, able to converse with vulnerable customers, and a passion for delivering excellent customer service and claim management.
- A commitment to professional development, both within the competencies of the role and researching medical conditions, and potentially towards professional qualifications.
- Some experience in complaint and appeal handling would be preferable.
- Able to work effectively in a wider team, including other Claims Assessors, Underwriters, and Claims Administrators.

**What can we offer you?**

In this role, you will be given fantastic training and development for your career in financial services. You will also be given the following:

- A starting salary of between £26,800 and £35,700, dependent on experience.
- Company matched pension, life assurance, a cycle2work scheme, 15 weeks’ fully paid maternity, adoption and shared parental leave and plenty more
- Voluntary benefits designed to suit your lifestyle - from discounts on retail and socialising, to health & wellbeing, travel and technology
- You’ll be joining a large network of experienced, innovative and dedicated individuals across multiple disciplines and sectors. There are countless opportunities to learn new skills and develop in your career, and we’ll provide the support you need to do just that. Our purpose is to create a better outcome for you.

**About Capita Regulated Services**
- At Regulated Services, we’re transforming the world of life and pensions, and mortgage services. We’re delivering responsible and sustainable services, helping our clients to respond to changing market factors and adapt to the needs of their customers both now and in the future. Our teams work with clients across the UK and Worldwide, offering a range of services from end-to-end administration, digital technology and business support to lending, account and arrears management. Join us and discover better as you shape the future of regulate