This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Horace Mann is seeking an experienced and technically skilled Large Loss Adjuster to manage high-exposure homeowner property claims, including complex and litigated files. This role requires advanced investigative expertise, strong negotiation skills, and the ability to handle significant financial exposures while delivering exceptional service to policyholders and business partners. The ideal candidate thrives in complex claim environments, demonstrates strong business acumen, and brings deep knowledge of policy interpretation, dwelling estimating, and litigation management. Key Responsibilities - Complex Claims Handling - Manage and investigate large loss and high-exposure homeowner claims, including litigation files and claims involving public adjusters and attorneys. - Verify coverage, interpret policy language, and determine liability and scope of damages. - Evaluate claim facts and damage estimates to move claims toward appropriate and timely resolution. - Apply in-depth knowledge of homeowners policies and jurisdictional documents to assigned claims. - Investigation & Damage Assessment - Conduct on-site inspections as needed to evaluate damages and determine loss exposure. - Investigate origin and cause of high-exposure claims, coordinating with insureds, claimants, agents, attorneys, contractors, experts, Special Investigation Unit (SIU), public officials, and other adjusters. - Identify prior losses and recognize potential environmental exposures. - Reconcile contractor and mitigation estimates and collaborate with vendors to determine appropriate damage valuations. - Demonstrate advanced proficiency in Xactimate, including preparation of large loss and total loss estimates (Level 3 certification encouraged). - Negotiation & Resolution - Negotiate settlements with insureds, attorneys, and public adjusters in accordance with company best practices. - Manage period of restoration for ALE (Additional Living Expense) and Loss of Rent claims. - Interpret and apply policies, leases, by-laws, declarations, and contract coverages as they apply to all parties involved. - Maintain transparent and timely communication with all stakeholders throughout the claim lifecycle. - Catastrophe & Collaboration - Provide assistance during catastrophe events as needed. - Participate in special projects and consult on process improvement initiatives. - Actively engage in mentoring and training of other claims professionals. Qualifications - 5–7 years of dwelling estimating experience preferred, with demonstrated sustained technical performance. - Proven experience handling homeowner property losses of $50,000 or greater. - Strong claims and business acumen with litigation experience. - Advanced knowledge of homeowner policy interpretation and coverage analysis. - Demonstrated Xactimate expertise; encouraged to pursue Level 3 certification. - Ability to work effectively with vendors regarding damage determination and estimate reconciliation. - Ability to operate in a fast-paced, customer-focused environment using claims systems and telephony platforms. - Maintain and obtain required state adjuster licenses; ability to comply with all jurisdictional regulatory requirements. - Strong communication, negotiation, analytical, and decision-making skills. Requirements - Must obtain and maintain required state adjuster licenses. - Periodic travel may be required for inspections or catastrophe support. Benefits - Pay Range: $76,600.00 - $106,450.00 - Salary is commensurate to experience, location, etc. Company Description Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets. We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators. EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For applicants that are California residents, please review our California Consumer Privacy Notice. All applicants should review our Horace Mann Privacy Policy.

Introduction At Gallagher Bassett, we're there when it matters most because helping people through challenging moments is more than just our job, it’s our purpose. Every day, we help clients navigate complexity, support recovery, and deliver outcomes that make a real difference in people’s lives. It takes empathy, precision, and a strong sense of partnership—and that’s exactly what you’ll find here. We’re a team of fast-paced fixers, empathetic experts, and outcomes drivers — people who care deeply about doing the right thing and doing it well. Whether you're managing claims, supporting clients, or improving processes, you’ll play a vital role in helping businesses and individuals move forward with confidence. Here, you’ll be supported by a culture that values teamwork, encourages curiosity, and celebrates the impact of your work. Because when you’re here, you’re part of something bigger. You’re part of a team that shows up, stands together, and leads with purpose. Overview Role specifics: - Jurisdictions: Fedeal Defense Base Act, Longshore - Licenses: No license required - Location: This role is eligible for fully remote work. How you'll make an impact - Apply claims management experience to execute decision-making to analyze claims exposure, plan the proper course of action, and appropriately resolve claims. - Interact extensively with various parties involved in the claim process to ensure effective communication and resolution. - Provide exceptional customer service to our claimants on behalf of our clients exhibiting empathy through each step of the claims process. - Handle claims consistent with clients' and corporate policies, procedures, and standard methodologies in accordance with statutory, regulatory, and ethics requirements. - Document and communicate claim activity timely and efficiently, supporting the outcome of the claim file. About You Ideal candidates for this position will have: • Claims Background: Minimum of 5 years of hands on workers compensation adjusting experience including handling a lost time/indemnity desk plus litigation. • Jurisdictional Experience: Federal DBA, Longshore. Experience adjusting TX, CA, or NY work comp claims accepted. • Active Adjusters' licenses: No license required As a key member of our experienced Claims Adjuster team, you will: • Investigate, evaluate, and resolve complex workers compensation claims applying your analytical skills to make informed decisions and bring claims to resolution. • Work in partnership with our clients to deliver innovative solutions and enhance the claims management process • Think critically, solve problems, plan, and prioritize tasks to optimally serve clients and claimants REQUIRED QUALIFICATIONS: • High School Diploma. • Minimum of 5 years related claims experience. • Appropriately licensed and/or certified in all states in which claims are being handled. • Knowledge of accepted industry standards and practices. • Computer experience with related claims and business software. DESIRED: • Bachelor's Degree #LI-HS1 #LI-Remote Compensation and benefits We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve: - Medical/dental/vision plans, which start from day one! - Life and accident insurance - 401(K) and Roth options - Tax-advantaged accounts (HSA, FSA) - Educational expense reimbursement - Paid parental leave Other benefits include: - Digital mental health services (Talkspace) - Flexible work hours (availability varies by office and job function) - Training programs - Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing - Charitable matching gift program - And more... **The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. Job Description As a UM/UIM Represented Litigation Adjuster, your main focus will be investigating automobile accidents involving single or multiple vehicles, which result in property damage and/or bodily injury with attorney/litigation involved. You will have the convenience of working remotely from your home while efficiently handling your responsibilities. You will assess coverage, liability, and damages while providing exceptional customer service throughout your day. Customer and attorney communication will take place through different channels, including voice calls, email, and text messages. Through the utilization of innovative platforms and tools, you will engage in negotiation processes to reach fair injury settlements with all parties involved. This position is for our Severe/Complex Represented Litigation Casualty office with a focus on handling UM/UIM claims in the state of California. The schedule required in this role will be in Pacific Standard Time (PST). Qualifications: - 4+ years of experience handling Represented Bodily Injury claims - Uninsured/Underinsured Bodily Injury Claim handling experience - CA bodily injury claim handling experience - Proficient communication skills, especially over the phone, to establish rapport and assess claims accurately. - Ability to work independently and remotely, while managing time efficiently - Familiarity with insurance policies, coverage, and liability determination - Strong critical thinking and problem-solving skills to evaluate and negotiate injury claims successfully - Knowledge of innovative tools and platforms for effective claims evaluation You’ll wear a few hats to fill a few roles throughout your day that all require a level of experience: The Customer Service Expert – you’ll live into Allstate’s Claims Culture by caring, empowering, and restoring, and you will accomplish that by being compassionate, clear, and a committed partner in each Casualty claim. You lead with empathy, always. The Investigator – you’ll confidently and independently investigate casualty (and applicable LOB (line of business)) claims by performing detailed reviews of damage and interpreting policies to determine coverage. The Effective Communicator – you’ll use phone, emails and sometimes even video chat with customers to help them through a fast, fair, and easy claims process. You’ll also incorporate a specific approach to claim handling to offer the customer their preference of communication to efficiently discuss their claim needs and keep them updated on the claim progress. The Negotiator – you will evaluate and negotiate claims settlements with customers, vendors, third party carriers and claimants, in accordance with all legal and business standard methodologies. With negotiations, you will incorporate tactics in handling challenging and complex situations. The Problem Solver – you’ll utilize multiple tools to get the job done in a fast-paced environment, including estimate tools, job aids, and additional settlement platforms, all while using your sharp critical thinking skills. The Recorder – you’ll protect the company financially by executing policies along policy agreements, and you keep a clear record of your work in a claims system that you will be trained on. You’ll accomplish this by ensuring timely and accurate documentation is completed as you work on each claim. Remote Home-Based Work This position is a permanent remote home-based role. Your home office does not need to be near an Allstate office, but it does need to be in the United States. This position is not available for California, Alaska, Hawaii, or Puerto Rico residents. - Schedule: Mon-Fri | 8am-4:30pm PST When you work from home full time, you’ll need: - A home office – a dedicated workspace in your residence that is private and free from distractions. - A minimum internet bandwidth of 50 MB down/5 MB up. - Appropriate work surface and seating. What will Allstate provide? - A technology bundle that includes all equipment needed to perform your work from home (laptop, monitors, headset, keyboard, mouse). - Connectivity reimbursement of $80 per month to off set some of the cost of internet. Notice of Licensing Requirement: - As a condition of employment, your office/area may require you to obtain an adjuster and/or an appraiser license. If applicable, you will be required to secure license(s) within 60 days of hire. - If required, the Hiring Manager will work with you along with the Centralized Licensing team to ensure that you are properly licensed. Sign-On Bonus: You may be eligible for a $1,000 Licensing Sign-On Bonus if you have the applicable active licenses needed for this role. This could include Home Resident Property & Casualty License, Designate Home State (DHS) Florida or Texas License, and/or applicable Appraiser License. *Candidates who have previously worked for and are seeking to be rehired at Allstate and its family of companies are not eligible for this sign-on bonus.* Allstate Benefits Being a part of Allstate means you receive a benefits package from Day 1 of employment. This includes time off, healthcare, retirement, and more. That is why as an Allstater, you’ll enjoy a Total Rewards package that includes: - Competitive pay with needed support for continuous development and career advancement. - Flexibility in scheduling and a time off policy that helps support your work/life balance. - Initial and ongoing training to get you proficient in your new role. - Comprehensive benefits like a 401K/pension, education reimbursement, and programs to help you balance work with the rest of your life. Visit www.allstategoodlife.com to learn more. Notes: The preceding description is not designed to be a complete list of all duties and responsibilities. May be required to perform other related duties as assigned. Regular, predictable attendance is an essential function of this job. #LI-JB3 Skills Bodily Injury Claims, Claims Evaluation, Critical Thinking, Fraud Investigations, Information Collection, Litigation, Negotiation, Time Management Compensation Compensation offered for this role is 53,500.00 - 84,625.00 annually and is based on experience and qualifications. The candidate(s) offered this position will be required to submit to a background investigation. Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact. Allstate generally does not sponsor individuals for employment-based visas for this position. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component. For jobs in San Francisco, please click “here” for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click “here” for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the “EEO Know Your Rights” poster click “here”. This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs. To view the FMLA poster, click “here”. This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description RAYUS Radiology is looking for an Insurance Denials Specialist to join our team. As an Insurance Denials Specialist, you will investigate and determine the reason for a denied or unpaid claim, and take necessary steps to expedite the medical billing and collections of the accounts receivable. This is a full-time fully remote position working 40 hours per week; shifts are 8:00am - 5:00pm. - Insurance Denial Follow-up (85%): - Accurately and efficiently reviews denied claim information using the payer's explanation of benefits, website, and by making outbound phone calls to the payer's provider relations department for multiple denial types, payers, and/or states. - Reviews and obtains appropriate information or documentation from claim re-submission for all denied services, per insurance guidelines and requirements. - Communicates with patients, insurance carriers, co-workers, centers, markets, referral sources, and attorneys in a timely, effective manner to expedite the billing and collection of accounts receivable. - Documents all communications with coworkers, patients, and payer sources in the billing system. - Contributes to the steady reduction of the days-sales-outstanding (DSO), increases monthly gross collections, and increases percentage of collections. - Prioritizes workload, concentrating on "priority" work which will enhance bottom line results and achievement of the most important objectives. - Contributes to a team environment. - Recognizes and communicates trends in workflow to departmental leaders. - Meets or exceeds RCM Quality Assurance standards. - Ensures timely follow-up and completion of all daily tasks and responsibilities. - Staff Support (10%): - Assists in the mentoring and training of new Insurance Denials Specialists. - Recommends and assists in implementing new approaches and ideas for improvement in processes and workflows. - Serves as a resource for Insurance Denials Specialists. - Acts as department go-to resource for team and others in Lead or Manager's absence, as assigned. - Other Duties (10%): - As backup for customer service team, communicates and responds to customer inquiries as needed. Qualifications - High School diploma or equivalent. - 4+ years' experience in a medical billing department, prior authorization department, or payer claim processing department, or 2+ years' experience as Insurance Denials Specialist within the organization. - Intermediate proficiency with Microsoft Excel, PowerPoint, Word, and Outlook. - Proficient with using computer systems and typing. Requirements - Graduate of an accredited medical billing program (preferred). - Bachelor's degree strongly preferred. - Knowledge of ICD-10, CPT, and HCPCS codes. Benefits - Medical, dental, and vision insurance. - 401k with company match. - Life and disability insurance. - Tuition reimbursement. - Adoption assistance. - Pet insurance. - PTO and holiday pay. - Many more benefits based on eligibility.