Department: Claims Operations
Status: Regular, Full Time
Reference #: 1152
No. of Positions: 1

As an Associate Claims Examiner, you will be responsible for developing proficiency in the handling of all aspects of the claim process for assigned claims. This position will learn to process claims, receive and maintain reports, guide beneficiaries through the claim process, file for reinsurance, and provide customer service to internal and external customers.

As a Claims Examiner, you will also be responsible for evaluating and processing disability claims for payment or denial according to the terms and conditions of each policy.

The level of the position will be determined by relevant skills, experience and qualifications.

This position may offer flexibility through a telecommuting arrangement and can be performed from either the Greater Houston or Greater Binghamton area. If you reside in the Greater Houston or Greater Binghamton area, this may be an opportunity for you!

Description of Duties and Responsibilities:

• Review submitted claims to ensure proper guidelines have been followed and eligibility requirements have been met. Contact policyholders, beneficiaries or other third parties for missing information when required. Process claims for payment or denial.
• Participate in rotational, scheduled queue call handling and dedicated client telephone calls and respond accordingly. Reply to basic inquiries and assist callers in understanding claims requirements and decisions.
• Process assigned claims through claims processing systems. Create new claims files and input claims data and payments into applicable systems as necessary.
• Process and distribute paper and electronic mail and/or faxes received including but not limited to logging data in appropriate systems and distributing to appropriate areas and/or virtual folders for processing.
• Prepare claims documents for imaging. Process must be thorough and accurate to keep within guidelines for statutory file maintenance.
• Follow-up on outstanding requirements according to established guidelines to enable the department to comply with regulatory and state requirements. Distribute claim documents to assigned claim examiner.
• Assist with claims account reconciliation as needed.
• Provide back up support to other staff as needed.

Additional Duties & Responsibilities of a Claims Examiner:

• Provide total quality customer service and support to all internal and external customers in regards to assigned functions. Provide professional communications including but not limited to written correspondence, phones, email, fax and in-person interactions.
• Investigate claims. Search database to obtain background information and interview claimants and witnesses. Consult police, hospital records and policy files to verify information reported in a claim. Consult with other professionals, such as lawyers and physicians, on complex claims.
• Assist in handling claims with suspected fraudulent or criminal activity. Access personal information and past claims histories to establish whether a claimant has ever attempted insurance fraud.
• Address inquires on assigned claims from various parties including but not limited to insured, policy holders, agents, physicians, hospital attorneys, Workers’ Compensation Board, Workers’ Compensation carriers, State agencies, other insurance carriers, TPA’s, Reinsurers and internal staff.
• Analyze various individual and departmental claim reports and take appropriate action on identified cases as prioritized by management.
• Set-up incoming claims and process daily mail to ensure approved time standards for processing are met. Ensure required follow-up is completed and claim processing is resolved within time guidelines mandated by state and federal regulations as well as required internal standards.

Skills and Experience:

• 2-3 years of related experience required.
• 1-2 years life insurance experience required.
• Experience in a customer service or insurance industry environment required.
• Familiarity with medical terminology and Company products is strongly preferred.
• Intermediate experience with Microsoft Excel required.
• Basic experience with Microsoft Word required.
• Industry recognized certifications preferred.

Additional Skills & Experience of a Claims Examiner:

• 3-5 years of related experience.
• 3-5 years life insurance experience required.
• Administration experience required.
• Experience with Sigma, E-Records, Life Support Plus, Freedom, and Lotus Notes are strongly preferred.

Education Required: Associate’s degree in business required. Degree in related field of study is acceptable.

Pay Range for an Associate Claims Examiner: $20.74 to $24.00 hourly
Pay Range for Claims Examiner: $22.42 to $26.00 hourly

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills.

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

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Federal & State Labor Law Posters

Department: Systems & Technology
Status: Regular, Full Time
Reference #: 1147
No. of Positions: 1

In search of: The next member of our Data & Analytics team. If you enjoy turning raw data into actionable insights and would like to contribute to the strategic success of an evolving organization, read on. We’re looking for someone who:

• Excels at analyzing and interpreting complex data and trends to support informed business decisions.
• Takes the lead on corporate data auditing efforts with a meticulous eye for accuracy.
• Is equally adept at taking initiative as taking direction to solve analytical challenges and research problems naturally using available tools.
• Excels at conveying complex technical information in simple, understandable ways to stakeholders.
• Is intrinsically motivated, resilient when things don’t go as planned, and focused on providing high-quality deliverables.
• Listens well, asks incisive questions, and digs into details while keeping the big picture in focus.
• Brings artistic, creative thinking and open-mindedness to new data visualization approaches.
• Above all, thrives on collaboration and takes great satisfaction in using the power of data to help others meet their goals.

This role is primarily based out of our Binghamton, NY home office and offers a hybrid schedule, allowing for a combination of onsite collaboration and remote work during the week.

Description of Duties and Responsibilities:

• You may work alongside senior team members and management to collect, organize, validate, and analyze data from various business systems and sources to identify trends and provide forecasts.
• Write, update, and maintain SQL queries, reports, and Power BI dashboards to track KPIs, quality, timeliness, and compliance for the department and company.
• Confer with management to translate business requirements into reporting and analytics solutions, and collaborate on the evaluation of alternative data solutions to meet strategic needs.
• Conduct routine audits of systems and databases to ensure data accuracy, integrity, and security.
• Prepare, review, and submit Systems Service Requests (SSRs) based on area of assignment, and respond to ad hoc data requests and analysis from stakeholders, balancing turnaround time with accuracy.
• Validate and reconcile data from multiple source systems to identify discrepancies, gaps, or quality issues, and escalate or resolve as appropriate.
• Apply basic statistical methods such as trend analysis, variance analysis, and forecasting to interpret data patterns and support informed decision-making.
• Design and format reports and visualizations for a non-technical audience, tailoring the level of detail to the stakeholder, and document data definitions, report logic, and sources to maintain an accurate data dictionary.
• Support the automation of recurring or manual reporting processes to improve efficiency and reduce errors, and prepare materials for analysis, dashboards, and recommendations to management and cross-functional teams.
• Stay current with emerging data analytics tools, techniques, and industry best practices while collaborating with management on department methods, procedures, and procedural documentation regarding automation and virtual record keeping.

Required Skills and Experience:

• 0 to 2 years’ experience in data analytics, business intelligence, reporting, or a related field required.
• Experience working with large data sets and reporting tools required.
• Advanced proficiency in Microsoft Windows and Office Suite required.
• Experience using querying, joins, and aggregations within SQL required.
• Intermediate Power BI experience required.
• Ability to work on a team and independently.
• Ability to adhere to timelines and schedules without sacrificing quality of deliverables.
• Strong organization skills, and the ability to manage prioritize workload, document and report daily on progress, challenges and successes.
• Strong communication skills and the ability to work with remote team members and internal clients.
• Ability to pay close attention to detail and perform work reliably, accurately and thoroughly.

Preferred Skills & Experience:

• Experience in financial services or corporate administration is preferred.
• Internship, co-op, academic project, or equivalent involving data analysis preferred.
• Life Insurance knowledge and experience.
• Industry recognized certifications.

Education Required: Bachelor’s degree in Business required. A degree in Data Analytics, Finance, Accounting, Information Technology, Mathematics, Statistics, or a related field of study is acceptable.

Pay Range: $28.42 to 35.00 hourly

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

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Federal & State Labor Law Posters

Department: Middle Market Distribution & Administration
Status: Regular, Full Time
Reference #: 1154
No. of Positions: 1

As a Billing Account Representative, you will bill, reconcile and maintain accounts and administer services to Group Billing, Credit Union and Individual clients of the company while ensuring compliance with all applicable regulatory guidance.

This position will have the opportunity to work primarily remote with periodic time required in their assigned Company office location (Binghamton, NY or Houston, TX). If you reside in the Greater Houston or Greater Binghamton area, this may be an opportunity for you!

Description of Duties and Responsibilities:

• Process group billing for assigned accounts, process and reconcile payments, and complete follow up. Monitor each case to ensure timely remitting and processing of payments. Schedule and provide billing for assigned groups and credit unions, make adjustments as required and verify totals.
• Complete premium and billing related processes including but not limited to, managing EFT accounts and processing salary savings list bills, premium and loan payments, pre-nonforfeiture processing and final nonforfeiture processing, health policy billing, returned checks, taxable gain calculations and submission of policy system correction requests.
• Confer with payroll offices and agents to answer inquiries and provide information about policies and services. Process policy service requests including mode changes, address changes, name changes, etc. Assist with refunds for all suspense types.
• Review and analyze daily policy and account reports.
• Confer with Agents and customers by telephone relative to post issue service requests and questions.
• Process manual premium payments and other service requests from calls (debit card, credit card and check by phone via checking or savings account). Remain PCI compliant when handling debit and credit card calls.
• Keep records of customer interactions and transactions, recording details of inquiries and comments, as well as actions taken.
• Refer unresolved customer grievances to designated departments for further investigation.
• Assist with departmental training as needed.
• Assist with review, development and documentation of departmental policies and procedures.

Skills and Experience:

• 2-4 years of Customer Care/Support experience required.
• 1-2 years of experience in accounting or bookkeeping required.
• Intermediate knowledge of Microsoft Word and Excel required.
• Experience in an insurance industry or call center environment preferred.
• Industry recognized certifications preferred.
• Experience working in a financial institution preferred.
• Fluency in Spanish a plus.
• Excellent written and verbal communication skills.
• Excellent data entry skills.
• Ability to perform work accurately and thoroughly.
• Ability to take care of both internal and external customer needs.
• Ability to pay close attention to detail.
• Ability to prioritize and organize a heavy workload.

Education Required: Associates degree in Business required. Degree in related field of study is acceptable.

Pay Range: $19.02 to $21.03 hourly

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills. 

The level for this position will be determined based on factors including relevant skills, experience and other qualifications. 

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

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Federal & State Labor Law Posters

Department: Policyowner Services
Status: Regular, Full Time
Reference #: 1140, 1142, 1145
No. of Positions: 3

As a Customer Service Representative, you will answer incoming calls in a fast-paced call center environment. You will also build relationships with clients and agents and process payments and complex service requests.

This position will have the opportunity to work primarily remote with periodic time required in their assigned Company office location (Binghamton, NY or Houston, TX). If you reside in the Greater Houston or Greater Binghamton area, this may be an opportunity for you!

Description of Duties & Responsibilities:

• Support resolution of incoming calls by answering questions, performing research and initiating additional processes as necessary.
• Process billing requests, which could include billing account number changes, payment type changes (mode changes), refund requests, premium payment histories, value quotes, form requests, policy reprojection requests, taxable gain calculations, policy conservation, mailing Electronic Funds Transfer forms, etc.
• Process manual premium payments and other service requests from calls by check or phone via a checking or savings account.
• Process loan by phone requests.
• SML website inquires. Handle inquired forwarded by Corporate Communications that were made on our public website.
• Complete insurance verifications and policy summary requests.
• Complete follow-up calls to request missing items and funds needed to bring policies up to date.
• Keep records of customer interactions and transactions.

Required Skills & Experience:

• Minimum of 3 years of experience in Customer Service.
• Minimum of 1 year of accounting experience preferred.
• Experience in an insurance industry or call center environment.
• Fluency in Spanish a plus.
• Basic knowledge of Microsoft Word and Excel.
• Excellent written and verbal communication skills.
• Excellent data entry skills.
• Ability to perform work accurately and thoroughly.
• Ability to pay close attention to detail.
• Ability to prioritize and organize a heavy workload.
• Ability to work a flexible schedule with occasional overtime.

Education Required: Associate’s degree in business or related field.

Pay Range: $19.02  to $21.03 hourly

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills.

The level for this position will be determined based on factors including relevant skills, experience and other qualifications.

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

→ Apply On Line

Federal & State Labor Law Posters

Department: Systems & Technology
Status: Regular, Full Time
Reference #: 1153
No. of Positions: 1

As a Document Specialist, you will be responsible for creating, maintaining, and testing program coding sections. In this position, you will create queries and reports utilizing database software for testing purposes.

Duties and Responsibilities:

• Develop and maintain program sections and other various documents by utilizing Publishing software for correspondence generation for new products, product and state maintenance, product approvals, product enhancements, and regulation changes. This includes, but is not limited to adding rules, conditional statements, variables for retrieving specific individual policy data and the formatting of data.
• Test program sections and documents including creation of test plans, manual generation of correspondence and resolution of various printing, programming and generation problems.
• Implement program sections and documents. Confirm all aspects of program sections are functional, update documentation checklists to ensure all program sections are complete and communicate to internal clients when all items have been implemented.
• Create queries and reports utilizing database software for testing purposes.
• Create and update documents utilizing word processing software for the Product Filing team.

Skills and Experience:

• Intermediate Microsoft Word and Excel experience required.
• Experience with Microsoft Access or comparable software required.
• Experience with Visual Basic Programming or comparable programming language required.
• Experience in life insurance industry required.
• 2-3 years of related experience preferred.
• Document development and testing experience preferred.
• Industry recognized certifications preferred.

Education Required: Associates degree in Business required. Degree in related field of study is acceptable.

Pay Range: $22.42 to $26.00 hourly

The level of the position will be determined by relevant skills, experience and qualifications.

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills.

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

→ Apply On Line

Federal & State Labor Law Posters

Department: New Business
Status: Regular, Full Time
Reference #: 1144
No. of Positions: 1

As a New Business Associate, you will receive, review, document, and process new business applications. You will be responsible for meeting time and quality standards.

This position will have the opportunity to work primarily remote with periodic time required in their assigned Company office location (Binghamton, NY or Houston, TX). If you reside in the Greater Houston or Greater Binghamton area, this may be an opportunity for you!

The level of the position will be determined by relevant skills, experience and qualifications.

Description of Duties and Responsibilities:

• Process completed applications and ensure all state regulated criteria are sufficiently met while issuing policies in a timely manner. Maintain up-to-date knowledge of state regulations.
• Communicate with the New Business team, management, and field agents when applicable to obtain missing information or to resolve conflicting data points on applications. Identify new issues that may arise in different processing systems and quickly communicate any problems to management.
• Understand the billing structures for multiple Credit Unions to ensure that applications are set to draft correctly. Thoroughly document missing and pending requirements for applications and resolve such issues as soon as answers are received,
• Generate and review periodic processing reports; communicate any outstanding issues to management.
• Process contract changes for face reductions on active policies, issue age corrections, and smoker/non-smoker reclassifications. Participate in a multi-step review process with management to ensure such contract changes are handled correctly and meet expectations of the policyowner.
• Other duties and responsibilities as needed or assigned by management.

Required Skills and Experience:

• 1-2 years of customer service experience required.
• 1-2 years of data entry experience required.
• Basic proficiency with Microsoft Word required.
• Basic proficiency with Microsoft Excel required.
• Accounting experience preferred.
• Industry recognized certifications preferred.
• Excellent data entry skills.
• Strong written and verbal communication skills.
• Ability to handle multiple priorities simultaneously.
• Ability to pay close attention to detail.
• Ability to prioritize and organize a heavy workload.
• Ability to adapt to change and work under pressure.
• Must be dependable.
• Occasionally required to work overtime.

Education Required: High School Diploma required. Associate’s degree preferred.

Pay Range: $18.15 to $19.00

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills.

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

→ Apply On Line

Federal & State Labor Law Posters

Department: Policyowner Services
Status: Regular, Full Time
Reference #: 1144 & 1150
No. of Positions: 2

As a Policy Service Associate, you will be responsible for processing various Policy Service requests. You will regularly communicate with clients regarding the details of their requests, that range in type and complexity, and ensure that client requests are processed and reported accurately.

This position will have the opportunity to work primarily remote with periodic time required in their assigned Company office location (Binghamton, NY or Houston, TX). If you reside in the Greater Houston or Greater Binghamton area, this may be an opportunity for you!

Description of Duties and Responsibilities:

• Process policy surrenders, cancellations, 1035 exchanges, and qualified rollovers. Review policy status and provisions and document transactions contacting policyowner for clarification as necessary. Verify cost basis and complete gain calculations as needed.
• Process beneficiary changes and policy assignments according to State and company guidelines. Process Death Master Registry, and death notifications received from Claims department. Process, update and monitor Authorization to Release Information reports.
• Process contract changes, reinstatements, and reprojections using technical expertise and complex product knowledge.
• Provide internal and external customer service as needed including but not limited to mailing appropriate forms, interpreting requests, responding to website inquires from policy holders, and completing required processing. Complete service requests assigned from Billing Team and Call Center and process insurance verifications from outside sources.
• Review and process requests for duplicate policies. Review policy status and provisions and document transactions.
• Review and analyze daily and monthly policy and account reports to ensure work is done within set time standards and to verify accuracy.
• Provide and update policy information as directed by Legal department for bankruptcies, tax levies and subpoenas.
• Process lost and un-cashed check forms and complete direct deposit of funds.
• Review and process Court documents per state requirements and consultation with legal department. Review various court documents and interpret with guidance form Legal Department.
• Assist with departmental training as needed.

Skills and Experience:

• 2-4 years experience in Customer Care/Support required.
• Intermediate knowledge of Microsoft Word and Excel required.
• 1-2 years experience in an insurance industry or accounting environment preferred.
• Industry recognized certifications preferred.
• Familiarity with Company products and procedures is strongly preferred.
• Fluency in Spanish is a plus.
• Excellent written and verbal communication skills.
• Excellent data entry skills.
• Ability to perform work accurately and thoroughly.
• Ability to adapt to change and work under pressure.
• Ability to take care of both internal and external customers needs.
• Ability to pay close attention to detail.
• Ability to prioritize and organize a heavy workload.
• Ability to multitask.
• Demonstrated ability to take on increasing levels of responsibility required.
• Must be dependable.

Education Required: High School Diploma or equivalent required. Associates degree preferred.

Pay Range: $19.02 to $21.03 hourly

The starting pay rate for this role is based on a variety of relevant factors, including location, education, experience, and skills.

The level for this position will be determined based on factors including relevant skills, experience and other qualifications. 

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

→ Apply On Line

Federal & State Labor Law Posters

Department: Legal
Status: Regular, Full Time
Reference #: 1146
No. of Positions: 1

As a Staff Attorney, under the direction of the General Counsel and Assistant General Counsel(s), you will be responsible for assisting in fulfilling the Legal Department function of providing legal counsel and advice to the Company’s Executive Management, Officers and employees with respect to all areas of Company operations and in drafting, reviewing and advising the Company’s Executive Management and Officers with respect to corporate documents and agreements. You may work closely with several experienced lawyers to develop skills and increase knowledge base of Company and its products.

This is a Binghamton Home Office position.

Duties and Responsibilities:

• Assist in drafting, reviewing, and advising the Company’s personnel with respect to corporate documents and agreements required or appropriate to protect the Company or implement Company objectives.
• Assist in providing legal counsel and advice to personnel regarding compliance, products, tax, market conduct, claims, complaint handling and customer service issues.
• Assist in analyzing and interpreting newly enacted or proposed legislation and regulatory and judicial mandates affecting Company business and to anticipate Company needs arising from them.
• Assist in litigation matters in support of Legal Department management.
• Assist in reviewing, analyzing and advising Company employees related to compliance requirements, changes in regulations and laws and compliance implementation.
• Assist in coordinating the establishment, implementation and maintenance of the Privacy and the Anti-Money Laundering programs for the Company and its subsidiaries in compliance with federal and state law and regulatory requirements.
• Maintain a current level of knowledge and skill on current legal trends through attendance at relevant training programs, conferences, seminars, and through self-study.
• Advise Company personnel on the potential legal ramifications of proposed organizational policies and procedures.

Skills and Experience:

• Admission to New York State Bar required.
• 3 or more years of Law experience required.
• Experience with corporate law, contract law, general business law, and statutory and regulatory interpretation required.
• Compliance experience (including cybersecurity, USA Patriot Act Anti-Money Laundering, Privacy Law, law and regulation interpretation) required.
• Thorough knowledge of insurance law (life and annuities with particular competence in the New York Life Insurance Law); employment and benefits law; intellectual property law; litigation practice and procedure, trusts and estates, law preferred.
• Intermediate knowledge of Microsoft Office Suite required.
• Ability to maintain a high degree of confidentiality required.
• Excellent written and verbal communication skills.
• Excellent analytical skills
• Excellent data entry skills.
• Ability to perform work accurately and thoroughly.
• Ability to pay close attention to detail.
• Ability to prioritize and organize a heavy workload.

Education Required: Bachelors degree in Law and Juris Doctor degree required.

Pay Range: $89,000 – $121,000 annually

• Visa sponsorship is not available for this position
• Relocation assistance is not available for this position
• Security Mutual is an Equal Opportunity Employer

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Federal & State Labor Law Posters