Complex Claims Specialist, Long-Term Care Professional Liability

Liberty Mutual has an immediate opening for a Complex Claims Specialist to join our Long-Term Care Claims Team and assist with other specialty lines claims including Miscellaneous Medical Facilities, Custom, and Group Practice. This is a highvisibility, handson role for an experienced professionalliability claims handler. With minimal supervision, the Complex Claims Specialist will manage a book of specialty LTC Professional Liability Claims, MMF, Custom, and/or Group Practice through the entire lifecycle, applying advanced coverage interpretation, clinical issue spotting, complex litigation management and prudent reserving to resolve highexposure matters economically and defensibly.

Why this role matters

• Lead ownership of complex professional liability claims (nursing homes, assisted living, hospice, home health, ancillary providers, physician groups, and other facilities).
• Opportunity to shape claim strategy on highseverity matters, coordinate clinical/expert resources, and act as an internal subjectmatter resource for underwriting, reinsurance and senior leadership.
• Work in a collaborative environment with autonomy to influence outcomes and policy.

Key Responsibilities

• Own and manage Long Term Care as well as Misc. Medical Facilities, Custom, and Group Practice claims from first notice through resolution: investigate, analyze coverage, evaluate liability and damages, establish and adjust reserves, negotiate settlements and close files within authority.
• Perform advanced coverage analysis (duty to defend vs. indemnify, occurrence vs. claimsmade, allocation, additional insured issues, contractual liability, tail exposures, endorsements) and prepare clear coverage opinions and reservation of rights/declination communications.
• Document claims thoroughly using Claims Management System and proactively diary followup actions and deadlines.
• Set indemnity and expense reserves within authority; escalate and recommend reserves for matters outside authority; review reserves regularly and justify reserve positions to management and auditors.
• Manage litigation: retain and oversee outside defense counsel with applicable expertise, control budgets and billing, direct discovery strategy, and evaluate mediation/arbitration/trial risk to optimize resolution.
• Coordinate clinical resources and expert consultants (nursing, pharmacy, infection control, medical specialists) for chart review, causation analysis and expert testimony.
• Interface with regulatory, compliance and risk management teams on CMS/state surveys, licensing investigations and mandatory reporting; incorporate regulatory developments into case strategy.
• Collaborate with underwriting, reinsurance and subrogation on allocation, ceded reporting and recovery opportunities.
• Identify and report claim trends, coverage exposures and policy issues to management and underwriting; contribute to playbooks, training and process improvements.
• Participate in mediations and arbitrations within settlement authority and support major loss response efforts.
• Maintain required adjuster licenses and adhere to company litigation and billing guidelines.

There is a strong preference for the selected candidate to live within 50-mile radius of one of the listed hub offices: Boston, MA; Plano, TX; Suwanee, GA; Indianapolis, IN; Hoffman Estates, IL; Lake Oswego, OR; Las Vegas, NV, Chandler, AZ or Weatogue, CT. This policy is subject to change. We will consider a remote candidate if you do not live within 50-miles of one of these offices.

• Bachelors' and/or advanced degree. J.D. is a plus!
• 7 + years claims/legal experience, with at least 2 years within a technical specialty preferred.
• Healthcare Claims experience strongly desired (Long-Term Care Professional Liability, Miscellaneous Medical Facilities and/or Group Practice claims).
• Advanced knowledge of claims handling concepts, practices and techniques, to include but not limited to coverage issues, and product line knowledge.
• Functional knowledge of law and insurance regulations in various jurisdictions.
• Demonstrated advanced verbal and written communications skills.
• Demonstrated advanced analytical, decision making and negotiation skills.
• Obtain and maintain Adjuster's license.

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being.

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

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