Workers' Compensation Claims Representative

Location: Bloomington, Minnesota (Hybrid) | Full-Time

Pay: $67,724.00 to $94,814.00

Ranked #8 Top Workplace – Midsize Employer, MN

About the Role:

Join the top Workers Compensation insurance provider and experience an environment where you’ll enjoy great work/life balance and the satisfaction of helping others.  In this collaborative role, you’ll partner with internal teams, employers, and injured workers to manage claims from initial contact through resolution while ensuring compliance with state statutes and company best practices. Delivering outstanding customer service to all parties involved and carrying out the Organization’s mission to “do the right thing” is a must.  Lost time experience is needed.    SFM offers a robust benefit package which enables you to navigate your work-life journey successfully.  Hybrid work is offered. Experienced workers’ compensation claims adjusters are encouraged to apply and will be considered for a higher role if qualified. At SFM, we believe our employees are our greatest asset, and we’re committed to providing a supportive, growth-oriented work environment.

What You’ll Do:

• Investigate worker compensation claims, determine compensability, and ensure compliance with state workers’ compensation laws and internal guidelines focusing on MN jurisdictions.
• Communicate with injured workers, employers, and partners to set expectations and support return-to-work strategies
• Manage medical and wage loss benefits within authority limits and coordinate external services (medical, legal, rehab), set reserves, and issue timely payments of medical and wage loss benefits
• Establish and maintain accurate claim reserves; communicate exposure and mitigation strategies
• Develop and document claim strategies, action plans, and settlement analysis while educating the employer being an effective business partner to effectively mitigate exposure
• Maintain accurate and timely file documentation aligned with regulatory and reporting requirements
• Identify and resolve payment issues, collaborating with technical experts when needed
• Contribute to team success through collaboration, mentorship, and participation in discussions and projects

What We’ll Like About You:

• Bachelor’s degree preferred
• 6+ months of workers’ compensation lost time experience, required. 
• Knowledge of applicable Workers’ Compensation statutes and regulatory reporting
• Understanding of medical terminology, anatomy, and insurance fundamentals
• Strong analytical, problem-solving, and decision-making skills
• Excellent communication and interpersonal skills with a customer-first mindset
• Ability to manage multiple priorities with strong organization and time management
• Proficiency with computer systems and data management tools 

Why You’ll Love Working Here

We want your work life to feel balanced, rewarding, and supported. Here are just a few of the benefits SFM offers:

• Comprehensive medical, dental, and vision coverage (plus HSA/FSA options).
• Significant Cash Benefit if You Opt Out of Our Health Plan
• Flexible hybrid work environment.
• 401(k) with both Traditional and Roth options + company match.
• Contributions toward student loan repayment.
• Generous PTO, 9 paid holidays, and paid parental leave.
• Monthly home internet allowance.
• Free life insurance, short-term & long-term disability coverage.
• Incentive bonus opportunities.
• Adoption financial assistance.
• Pet insurance.
• Annual company-wide volunteer day.
• Discounts on gyms, fitness apps, and wellness programs.

 Who We Are

SFM is the leading workers’ compensation insurer in Minnesota, with a growing presence across the Midwest. We’re proud to be recognized as a Top Workplace (#8 midsize employer in MN) thanks to our supportive culture, commitment to our employees, and focus on doing what’s right. Learn more by clicking here.

The base pay posted is just one component of SFM’s total compensation package. The salary range listed represents the full compensation range for this position. Job title and starting pay will be based on the selected candidate’s relevant knowledge, skills, abilities and/or experience, and education, if applicable as well as internal equity with other employees in the same job classification. Salary range for experienced adjusters is up to $114,000.00.  #SFM

 Work Environment and Physical Demands

Regular attendance is required. Work takes place in a semi paperless environment within an office setting, either on business premises or other remote location, using standard office equipment such as computers, phones, and copiers, which requires being stationary for extended periods of time.  While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands and fingers, handle or feel; and reach with hands and arms and work with close vision. This position requires the ability to occasionally lift office products and supplies, up to 20 pounds. Work is performed indoors with little to no exposure to extreme outdoor weather conditions.

 SFM Mutual Insurance Company and each of its parent companies, subsidiaries and/or affiliated companies are Equal Opportunity/Affirmative Action Employers. SFM provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, status with regard to public assistance, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

 SFM Companies, EEO/AA Employers. SFM is a participant of E-Verify. Applicants have rights under Federal Employment Laws.