Claims Adjuster - NIHL/Deafness

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Key Responsibilities Accurately maintain and update claims files, ensuring all data is recorded in line with best practices and reflecting appropriate technical complexity and exposure.

Apply sound judgement to verify policies and determine coverage by analysing relevant policy terms and assessing whether losses fall within scope.

Assess damages by calculating legally recoverable amounts or reasonable ranges in accordance with applicable law.

Negotiate claim settlements by developing effective negotiation strategies and utilising available tools and authority levels, referring matters when required.

Deliver high standards of customer service through proactive communication and timely responses in line with service protocols.

Manage litigation where applicable by instructing approved panel solicitors, establishing litigation plans and budgets, coordinating legal activities, reviewing settlement opportunities, and authorising expenses within authority limits.

Ensure full legal and regulatory compliance, adhering to relevant laws, regulations, and internal controls.

Secure contributions and recoveries where appropriate.

Escalate potential fraud cases to management promptly.

Support profitable growth by identifying risk insights, trends, and emerging exposures.

Act as a technical resource by mentoring junior colleagues and sharing subject matter expertise within the relevant line of business.

Safeguard the organisation's reputation by maintaining confidentiality and treating customers fairly at all times.

Maintain professional knowledge through continuous learning, industry engagement, and participation in professional networks or societies.

Contribute to team objectives and participate in projects as required.

Identify and resolve issues in accordance with established policies, procedures, and standards to ensure consistent and high-quality outcomes.

Take ownership of personal development and seek opportunities for growth.

Adopt a proactive approach to claims management, encouraging early resolution to minimise lifecycle duration and associated costs.

Ensure all valid policy obligations are met, customers are treated fairly, and conduct requirements are fully satisfied.

Participate in audits, due diligence processes, and policyholder meetings where required.

Comply with all regulatory and company policies, maintain confidentiality, and represent the company professionally at all times.

Candidate Profile Capable of managing a high volume of lower-value claims independently, with moderate supervision.

Confident in making and supporting coverage and liability decisions using sound judgement.

Committed to continuous personal development.

Demonstrates strong alignment with corporate values and teamwork principles.

Proactive in managing claims to achieve timely and cost-effective resolutions.

Skills Ability to recognise when to seek senior input on complex matters.

Strong written and verbal communication skills, including preparing clear reports for senior management.

Commitment to ensuring policy obligations are met, customers are treated fairly, and conduct requirements are upheld. xehkeey

Awareness of current legal, regulatory, and medical developments impacting claims handling.