NJM Insurance Group (NJM), a top-rated insurance company, is looking for a Personal Injury Protection Representative who has excellent communication skills as well as strong organizational and time management skills. We are looking for talent with and without prior experience in the insurance industry.
Schedule: Monday through Friday (Standard NJM Hours)
Hybrid: 3 days in office, 2 days remote once training is completed
PIP Claims Representative:
Reporting to the immediate designated PIP Supervisor, the PIP claims representative is responsible and accountable for conducting complete and thorough investigation on assigned claims and medically managing those claims through their life cycle.
Review PIP coverages and/or identify coverage issues and investigate and analyze the loss event, the injury and other relevant information to make a determination as to coverage and course of action.
Evaluate claims for fraud indicators and potential underwriting issues and process appropriate referrals. Conduct activities in compliance with state and company regulations and guidelines
Render final coverage determination within regulatory guidelines: Maintain communication with involved parties during the course of the claim, via written and/or verbal communication, to provide relevant determinations and/or information.
Maintain communication with involved parties during the course of the claim, via written and/or verbal communication, to provide relevant determinations and/or information. Concisely and accurately document all actions taken throughout the course of the claim.
Manage all requests for medical treatment, durable medical equipment, PIP Care Paths, medical guidelines and policies, internal and/or external peer reviews and/or IMEs, when required, communicate determinations to appropriate parties within 3 business days.
Request necessary Independent Medical Examinations and render determinations for additional treatment or termination benefits.
Establish adequate medical and non-medical benefits reserves for the life of the claim and adjust reserves, if needed.
Calculate and issue non-medical benefits (wages, essential services, death benefits).
Demonstrates knowledge in NJ and in other states and is able to apply regulatory requirements appropriately.
Understands and applies all process and regulatory knowledge associated with arbitration and subrogation. Effectively utilizes all applications and manages time and responsibilities.
Position Requirements (Skills, Traits, & Experience)
Excellent verbal and written communication skills, knowledge of Microsoft suite
Strong interpersonal and customer service skills
Good organizational, time-management, and data entry skills
Decision-making and multi-tasking capabilities
Bachelor’s degree preferred
3-5 years of claims handling experience preferred
This role may be filled at a level I, II, or Sr. based on skills, experience and credentials.
Starting salary per level based on skills, experience, and credentials:
Level I : $49K+
Level II: $59K+
Sr Level: $79K+
Benefits Offered:
Medical Insurance (Blue Cross Blue Shield)
Dental Insurance (Delta Dental)
Vision (Delta Vision/ VSP)
Flexible Spending Account
Discounts on NJM auto insurance
Tuition reimbursement
Life insurance
Plus, additional company discounts for items like travel, service, car rental and more!
Legal Disclaimer: NJM is proud to be an equal opportunity employer. We are committed to attracting, retaining and promoting a diverse and inclusive workforce that is fully representative of the diversity that exists in the communities in which we do business.