Life & Health Claims Advisor I

Work Location: Markham, Ontario, Canada

Hours: 37.5

Line of Business: TD Insurance

Pay Details: $52,700 - $74,400 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description: TD Insurance is part of TD Bank Financial Group, one of Canada’s largest financial institutions. TD Insurance helps protect clients from the ‘accidents of life’ with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches.

In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada.

At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 5,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is taken seriously. More than just a job, we offer rewarding careers.

The Claims Department is responsible for adjudicating Life, Critical Illness, Accidental Death and Dismemberment, Disability and Hospital claims for the Bank’s Credit Protections programs and TD Life’s Direct Life and Health programs. Adjudication of these claims involves daily empathetic and professional communication with customers who are going through a personal crisis, either due to significant disability or death of a spouse or a family member. This department is responsible for evaluation of medical diagnoses’ and, the impact of disability on their ability to work at gainful employment.

Accountabilities include:

• Adjudicate claims promptly and effectively in a professional and empathetic manner.
• Approve legitimate claims within prescribed authority limits and Service Level Agreements.
• Deny claims or rescind policies when required based on contractual definitions, limitations and exclusions.
• Approve disability payments based on diagnosis, treatment, restrictions and limitations and occupation.
• Sound understanding of insurance concepts is required.

Job Requirements:

• This position requires a minimum Grade 12 education plus 5 years relevant insurance experience in either Individual or Group claims, or University degree or RN qualification. Through on-going professional development, the Claims Advisor is required to have the ALHC designation and actively work towards the FLMI, ALHC or FLHC designation.
• Solid working knowledge - Word, Excel.
• Solid knowledge of TD Life products.
• Superior interpersonal skills and ability to handle stressful situations with tact and courtesy.
• Must be able to contribute to a positive working environment and have the ability to adapt effectively to a changing environment.

Additional Information:

• Inclusiveness: At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported.

Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities, and colleagues.

Our Total Rewards Package: Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits, and discounts, career development, and reward and recognition programs.

Colleague Development: If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs.

Accommodation: Your accessibility is important to us. Please let us know if you’d like accommodations to help us remove barriers so that you can participate throughout the interview process.