Workers Comp Claims Adjuster - Contract - HYBRID JobotWorkers Comp Claims Adjuster - Contract - HYBRIDBasking Ridge, NJ$32–$36 / hourInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. This role is responsible for managing a caseload of workers’ compensation claims from inception through resolution, ensuring timely handling, regulatory compliance, and effective cost management.
Director, Forensics - Building Property Claims Recovery bdo consultingDirector, Forensics - Building Property Claims RecoveryNew York, NY$190,000–$269,000 / yearDocuments, reviews, and analyzes schedules, contracts, change orders, correspondence, daily reports, meeting minutes, monthly reports, and any additional documents related to the project/file . The annual allocation to the ESOP is fully funded by BDO through investments in company stock and grants employees the chance to grow their wealth over time as their shares vest and grow in value with the firm’s success, with no employee contributions.
Professional Claims Writer -581888 Metro Public AdjustmentProfessional Claims Writer -581888New JerseyMetro Public Adjustment is looking for customer-oriented individuals to join our team of claims representatives. Once reviewed, If you want a face-to-face interview, we typically conduct them on Zoom : For Interview time and location, use the link below:
Claims UAT Tester ProKatchersClaims UAT TesterNew York, NY$75–$80 / hourThe claims UAT Tester is the primary Claims Tester to validate whether all the business requirements have been fulfilled before releasing the actual product to production. · The UAT tester will perform positive and negative testing to identify and ensure any defects found are corrected prior to implementation.
NewRemote Claims Representative Metro Public AdjustmentRemote Claims RepresentativePlainfield, NJRemote$35,000–$150,000 / yearFull timePart timeWe provide ongoing training and development opportunities to ensure that you will have the skills and knowledge needed to succeed. Reliable Training– No prior experience in public adjusting is required.
NewInsurance Defense Attorney — General Liability — $165k to $200k Base + Bonus — NYC / Hybrid Remote — Established National Firm JobotInsurance Defense Attorney — General Liability — $165k to $200k Base + Bonus — NYC / Hybrid Remote — Established National FirmNew York, NYRemote$150,000–$200,000 / yearFounded over 30 years ago and built on an entrepreneurial spirit most firms talk about but rarely practice, we have grown to 100+ attorneys across ten offices from coast to coast — including our New York office in the heart of the Financial District, steps from the waterfront and one of the most active insurance defense markets in the country. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
Senior Forensic Accountant Kforce Inc.Senior Forensic AccountantParsippany, NJ$90,000–$120,000Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. By clicking “Apply Today” you agree to receive calls, AI-generated calls, text messages or emails from Kforce and its affiliates, and service providers.
11717 Business Development Representative – Public Adjusting Services Metro Public Adjustment11717 Business Development Representative – Public Adjusting ServicesNewark, NJ$65,000–$250,000 / yearFull timeAbout Metro Public Adjusting:Metro Public Adjusting helps property owners maximize insurance settlements after storm, water, fire, or other property damage. We are seeking a motivated Outside Sales Representative to generate new business, build client relationships, and partner with our claims team.
Ins Claims Examiner Medical Malpractice - Union City, NJ Diedre Moire Corp.Ins Claims Examiner Medical Malpractice - Union City, NJUnion City, NJ$100,000–$140,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Insurance Claims Examiner Adjuster Specialist Professional Liability Medical Malpractice MedMal Allied Healthcare #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs #UnderwriterJobs. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers.
NewFinance Accounting Treasury Manager - Hybrid Kforce Inc.Finance Accounting Treasury Manager - HybridRed Bank, NJ$110,000–$130,000Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. By clicking “Apply Today” you agree to receive calls, AI-generated calls, text messages or emails from Kforce and its affiliates, and service providers.
NewProperty Adjuster Specialist - Field USAAProperty Adjuster Specialist - FieldNew York, NYRemote$85,050–$130,410 / yearProactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability. 2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
Director, Loan Management New York Life Insurance CompanyDirector, Loan ManagementNew York, NY$150,000–$165,000 / yearLead, mentor, and develop a team of analysts responsible for the review and execution of borrower requests, including lease approvals, reserve disbursements, ownership transfers, insurance claims, easement requests, guaranty releases, and collateral substitutions, while building technical expertise in underwriting, loan administration, and credit analysis and supporting professional development. This role requires deep expertise in commercial real estate credit, strong leadership in managing and developing asset management professionals, and a proven ability to design and execute process improvement initiatives that drive efficiency and accuracy across operations.
Medical Billing Specialist AtriumMedical Billing SpecialistTrenton, NJ$23–$25 / hourOur client is a long-standing and well-respected non-profit healthcare organization looking for an experienced Medical Billing Specialist to join and assist their ever-growing team! By applying to this job, you agree to receive calls, AI-generated calls, text messages, and/or emails from Atrium and its affiliates, and contracted partners.
Collections/Medical Biller AtriumCollections/Medical BillerSomerset, NJ$25–$28 / hourBy applying to this job, you agree to receive calls, AI-generated calls, text messages, and/or emails from Atrium and its affiliates, and contracted partners. As part of its continued growth, the organization is bringing its billing operations in-house and expanding its revenue cycle team to support increased patient volume and operational efficiency.
Public Adjuster Claims Representative Metro Public AdjustmentPublic Adjuster Claims RepresentativeLevittown, PA$30,000–$250,000 / yearFull timePart timeNow, we’re expanding our team and looking for motivated individuals who want flexibility, independence, and unlimited growth potential. We specialize in helping policyholders receive the maximum settlement they are entitled to under their insurance policies.
459763 Public Adjuster Metro Public Adjustment459763 Public AdjusterLivingston, NJFull timeConduct a virtual walk-through inspection of the property, take some pictures, and fill out about 5 minutes worth of paper work. We are seeking motivated, self-starters in your area, who want to succeed.
Claims Representative | Flexible Hours Metro Public AdjustmentClaims Representative | Flexible HoursAvenel, NJ$35,000–$150,000 / yearFull timePart timeWe provide ongoing training and development opportunities to ensure that you will have the skills and knowledge needed to succeed. Reliable Training – No prior experience in public adjusting is required.
07103 FLEXIBLE HOURS | CLAIMS REPRESENTATIVE Metro Public Adjustment07103 FLEXIBLE HOURS | CLAIMS REPRESENTATIVENewark, NJ$35,000–$150,000 / yearFull timePart timeWe offer ongoing training and development opportunities to help you build the skills and knowledge needed for success in this role. Flexible Schedule & Work Location – Our claim representatives enjoy the flexibility to create their own schedules.
08608 Claims Representative | Flexible Hours Metro Public Adjustment08608 Claims Representative | Flexible HoursTrenton, NJ$35,000–$149,999.99 / yearFull timePart timeWe provide comprehensive training and ongoing support to help you build the skills and confidence needed to succeed. This opportunity can be worked part-time or full-time and can be performed remotely or in person, offering excellent flexibility to fit your lifestyle.
Claims Representative | FLEXIBLE HOURS Metro Public AdjustmentClaims Representative | FLEXIBLE HOURSNewark, NJ$35,000–$110,000 / yearFull timePart timeWe provide comprehensive training and ongoing support to help you succeed. Work part-time or full-time with the freedom to set your own schedule.
NewClaims Representative | Flexible hours Metro Public AdjustmentClaims Representative | Flexible hoursTrenton, NJ$35,000–$150,000 / yearFull timePart timeWe provide comprehensive training and ongoing support to help you succeed. Work part-time or full-time with the freedom to set your own schedule.
07060 Work from home | Claims Representative | Flexible hours Metro Public Adjustment07060 Work from home | Claims Representative | Flexible hoursNorth Plainfield, NJ$35,000–$150,000 / yearFull timePart timeWe offer ongoing training, mentorship, and professional development opportunities to ensure you have the skills, knowledge, and confidence needed to succeed in this role. Flexible Schedule & Work Location – Our Claim Representatives enjoy the flexibility to create their own schedule.
597004 Remote Claims Representative Metro Public Adjustment597004 Remote Claims RepresentativeNewark, NJRemoteConduct a virtual walk-through inspection of the property, take some pictures, and fill out about 5 minutes worth of paper work. Benefit from our 32 years of experience in business: We have an AWESOME training program and it's FREE!
FLEXIBLE HOURS | CLAIM REPRESENTATIVE Metro Public AdjustmentFLEXIBLE HOURS | CLAIM REPRESENTATIVETrenton, NJ$35,000–$150,000 / yearFull timePart timeWe are seeking motivated and people-oriented individuals to join our team as Claim Representatives. We provide comprehensive training and ongoing support to help you succeed.
07059 Work From Home | Claim Representative | Flexible Hours Metro Public Adjustment07059 Work From Home | Claim Representative | Flexible HoursWarren, NJ$35,000–$150,000 / yearFull timePart timeWe provide ongoing training and development opportunities to ensure that you will have the skills and knowledge needed to succeed. Reliable Training – No prior experience in public adjusting is required.
Pet Claims Adjuster MetLife IncPet Claims AdjusterNYRecognizednon Fortune magazine''s list of the "World''s Most Admired Companies",nFortune World's 25 Best Workplaces, as well as the Fortune 100 Best Companiesnto Work For, MetLife, through its subsidiaries and affiliates, is one of thenworld's leading financial services companies; providing insurance, annuities,nemployee benefits and asset management to individual and institutionalncustomers. All employment decisions are made without regards to race, color, national origin, religion, creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, marital or domestic/civil partnership status, genetic information, citizenship status (although applicants and employees must be legally authorized to work in the United States), uniformed service member or veteran status, or any other characteristic protected by applicable federal, state, or local law ("protected characteristics").
Senior Claims Adjuster, Specialty LotSolutions, Inc.Senior Claims Adjuster, SpecialtyIselin, NJ$90,000–$150,000 / yearPart timeAs a direct report to the Manager of Specialty Claims, you should possess the ability to handle and manage a wide variety of severity/complex claims with coverage issues as well as coverage litigation within Commercial General Liability lines of business. Direct management of commercial general liability claims with potential for significant severity and complexity.
Sr. Workers' Compensation Claims Adjuster - Complex/Litigation (NJ) Berkshire Hathaway GUARD Insurance CompaniesSr. Workers' Compensation Claims Adjuster - Complex/Litigation (NJ)Parsippany, NJ$50,000–$100,000 / yearWith supportive leadership, collaborative teams, and opportunities to grow, GUARD is a place where people build meaningful, long‑term careers. Good things are happening at Berkshire Hathaway GUARD Insurance Companies—an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway.
Claims Adjuster - Large Loss Injury Litigation The Progressive CorpClaims Adjuster - Large Loss Injury LitigationNY$95,000–$130,200 / yearMust-have qualifications: • Six years of relevant work experience with three years in claims handling • Three years in claims handling and a bachelors degree • Five years of relevant work experience with three years in claims handling and an associate degree. As a claims adjuster for casualty litigation, youll manage complex commercial claim investigations, interpret coverage, investigate liability, and handle claims involving multiple vehicles, competing claims, and significant injuries.
Auto Telephone Claims Adjuster Allstate Insurance CompanyAuto Telephone Claims AdjusterNJ$47,500–$61,600 / yearThrough our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products. Auto Insurance Claims, Automobile Accidents, Case Management, Claims Administration, Claims Resolution, Claims Review, Customer Service, Detail-Oriented, Insurance Claims Investigations, Insurance Policies, Investigative Skills, Multitasking.
Sr. Workers'' Compensation Claims Adjuster Complex/Litigation (NJ) Berkshire Hathaway GUARD Insurance CompaniesSr. Workers'' Compensation Claims Adjuster Complex/Litigation (NJ)New York, NY$50,000–$100,000 / yearThis role may be based out of any of our office locations, including: New York, NY; Parsippany, NJ; Conshohocken, PA; Wilkes‑Barre, PA; Alpharetta, GA; Rosemont, IL; Plano, TX; Scottsdale, AZ; and Rancho Cordova, CA. Good things are happening at Berkshire Hathaway GUARD Insurance Companies-an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway.
Workers'' Compensation Complex Claims Adjuster (New Jersey) Berkshire Hathaway GUARD Insurance CompaniesWorkers'' Compensation Complex Claims Adjuster (New Jersey)Parsippany, NJ$50,000–$100,000 / yearThis role may be based out of any of our office locations, including: New York, NY; Parsippany, NJ; Conshohocken, PA; Wilkes-Barre, PA; Alpharetta, GA; Rosemont, IL; Plano, TX; Scottsdale, AZ; and Rancho Cordova, CA. Good things are happening at Berkshire Hathaway GUARD Insurance Companies-an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway.
Auto Damage Claims Adjuster The Progressive CorpAuto Damage Claims AdjusterYonkers, NY$80,200–$98,100 / yearFor ideas about how you might be able to protect yourself from job scams visit our scam-awareness page at httpscareers.progressive.compageshow-we-hire-faq-job-scamsShareEmailXFacebookLinkedInApply As an auto damage claims adjuster youll serve as Progressives point of contact with customers - directing and making decisions regarding the repair process from beginning to end.
Auto Claims Adjuster Allstate Insurance CompanyAuto Claims AdjusterNJ$50,000–$74,350 / yearAnalytical Thinking, Auto Insurance Claims, Automobile Accidents, Case Management, Claims Administration, Claims Resolution, Claims Review, Customer Service, De-Escalation, General Liability Insurance, Insurance Administration, Insurance Coverage, Insurance Coverage Analysis, Insurance Policies, Liability Insurance, Negotiation, Problem Resolution. Through our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products.
Senior Claims Adjuster - Casualty Coverage and Mass Tort American International GroupSenior Claims Adjuster - Casualty Coverage and Mass TortJersey City, NJ$86,000–$106,000 / yearAs an experienced professional, in this role you’ll deal with sophisticated litigation and coverage issues, including long-tail bodily injury and property damage exposures, claims arising under Coverage B of Primary/Excess CGL policies, construction defect, as well as environmental and toxic tort claims. You’ll work with some of the best claims and underwriting minds in the industry addressing challenging claims and sophisticated coverage issues, and helping our businesses develop products to address the rapidly evolving risk environment.
NewMass Tort and Complex Casualty - Claims Adjuster American International GroupMass Tort and Complex Casualty - Claims AdjusterJersey City, NJ$56,000–$89,000 / yearIn this entry level role, you’ll deal with sophisticated litigation and coverage issues, including long-tail bodily injury and property damage exposures, claims arising under Coverage B of Primary/Excess CGL policies, construction defect, as well as environmental and toxic tort claims. You’ll work with some of the best claims and underwriting minds in the industry addressing challenging claims and sophisticated coverage issues, and helping our businesses develop products to address the rapidly evolving risk environment.
Senior Claims Adjuster, Specialty The Fortegra Group IncSenior Claims Adjuster, SpecialtyIselin, NJ$90,000–$150,000 / yearAs a direct report to the Manager of Specialty Claims, you should possess the ability to handle and manage a wide variety of severity/complex claims with coverage issues as well as coverage litigation within Commercial General Liability lines of business. Primary Job Functions: Direct management of commercial general liability claims with potential for significant severity and complexity.
Claims Manager Contractor Garuda Labs IncClaims Manager ContractorNY$45–$50 / hourWhat You''ll Do: Report, oversee, monitor, and investigate insurance claims across all jurisdictions; Support Instawork with workers' compensation and occupational accident claims by running loss control surveys and training for teams involved in the claims reporting process as well as monthly data reporting requirements to carriers; Partner with insurance carriers to mitigate loss by evaluating and implementing tools, including but not limited to investigators and nurse case managers; Communicate frequently with internal stakeholders and third parties, including claims adjusters, brokers and other insurance personnel, injured Professionals, business Partners, doctors, and attorneys; Participate in monthly claim reviews to steer claims towards resolution; Maintain organized, accurate records of all claims and supporting documentation; Provide regular updates to senior management on claims activity; Analyze claims data to identify trends and areas for improvement; Develop, implement, and improve scalable processes and training to build a best-in-class claims function. Who You Are: 5+ years in insurance claims adjusting or management, including workers' compensation, occupational accident, and other injury and property damage claims; Impeccably organized; Detailed and process-oriented; Thorough knowledge of insurance lines and insurance laws across the United States; Composed handling high-priority escalations; Excellent verbal and written communication; Ability to analyze, classify, and rate risks, exposures, and loss expectancies; Marketplace risk experience preferred.
Senior Trucking Liability Claims Adjuster (JD Required) Berkshire Hathaway GUARD Insurance CompaniesSenior Trucking Liability Claims Adjuster (JD Required)New York, NY$130,000–$170,000 / yearThis role may be based out of any of our office locations, including: New York, NY; Parsippany, NJ; Conshohocken, PA; Wilkes‑Barre, PA; Alpharetta, GA; Rosemont, IL; Plano, TX; Scottsdale, AZ; and Rancho Cordova, CA. With supportive leadership, collaborative teams, and opportunities to grow, GUARD is a place where people build meaningful, long‑term careers.
Casualty Claims Adjuster I EMC Insurance Group Inc.Casualty Claims Adjuster INY$55,795–$77,098 / yearIdentifies, investigates, and proactively pursues opportunities for recovery including arranging of evidence preservation in legal compliance that meets custody, control, transfer, analysis, and disposition of physical and/or electronic evidence. Resolves questions of coverage, liability and the value of the claims and communicates with insureds and claimants to resolve claims in a timely manner.
Workers Compensation Claims Adjuster | NY Jurisdictional Knowledge Required Sedgwick Claims Management Services, Inc.Workers Compensation Claims Adjuster | NY Jurisdictional Knowledge RequiredNYRemote$70,000–$80,000 / yearSedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience. Independently handle a capped caseload of workers' compensation claims, from inception to resolution, ensuring adherence to company procedures, industry best practices, and regulatory requirements.
Property Insurance Adjuster Metro Public AdjustmentProperty Insurance AdjusterLevittown, PA$30,000–$250,000 / yearFull timePart timeNow, we’re expanding our team and looking for motivated individuals who want flexibility, independence, and unlimited growth potential. We specialize in helping policyholders receive the maximum settlement they are entitled to under their insurance policies.
Claims Manager I Aon PlcClaims Manager INY$68,000–$72,000 / yearQualifications Possess active State insurance adjuster's license Excellent communication and customer service skills Preferred Qualifications 3+ years of claims adjudication experience Travel Insurance experience a plus Strong organizational, problem solving, and analytical skills Change champion; Process Improvement experience Education Bachelor's Degree or equivalent work experience How we support our colleagues: In addition to our comprehensive benefits package, we encourage an inclusive workforce. Aon is looking for a Claims Manager I Aon Affinity''s Travel Practice is a leader in the provision of customized travel insurance and protection programs for many of the world''s most renowned travel companies.
Liability Claims Adjuster | Auto & General Liability Experience | CA, FL & NY Jurisdictional Knowledge Sedgwick Claims Management Services, Inc.Liability Claims Adjuster | Auto & General Liability Experience | CA, FL & NY Jurisdictional KnowledgeNY$68,000–$70,000 / yearTo analyze Liability claims for a dedicated client with capped caseloads on behalf of our valued clients to determine benefits due, while ensuring ongoing adjudication of claims within service expectations, industry best practices, and specific client service requirements. PRIMARY PURPOSE OF THE ROLE: We are looking for driven individuals that embody our caring counts model and core values that include empathy, accountability, collaboration, growth, and inclusion.
Workers Compensation Claims Adjuster | DE & CT Jurisdiction Knowledge Required | PA NJ MA Preferred | Dedicated Client & Capped Caseloads Sedgwick Claims Management Services, Inc.Workers Compensation Claims Adjuster | DE & CT Jurisdiction Knowledge Required | PA NJ MA Preferred | Dedicated Client & Capped CaseloadsTelecommuter, NJRemote$60,000–$70,000 / yearMental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines. PRIMARY PURPOSE OF THE ROLE To analyze Lost-Time Workers Compensation claims on behalf of our valued clients to determine benefits due, while ensuring ongoing adjudication of claims within service expectations, industry best practices, and specific client service requirements.
Liability Claims Adjuster | General Liability, Bodily Injury & Property Damage Experience | CA, FL & NY Jurisdictional Knowledge Sedgwick Claims Management Services, Inc.Liability Claims Adjuster | General Liability, Bodily Injury & Property Damage Experience | CA, FL & NY Jurisdictional KnowledgeTelecommuter, NYRemote$70,000–$85,000 / yearMental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines. To analyze Liability claims for a dedicated client with capped caseloads on behalf of our valued clients to determine benefits due, while ensuring ongoing adjudication of claims within service expectations, industry best practices, and specific client service requirements.
Workers Compensation Claims Adjuster | NJ & VA Jurisdictions | Dedicated Client & Capped Caseload Sedgwick Claims Management Services, Inc.Workers Compensation Claims Adjuster | NJ & VA Jurisdictions | Dedicated Client & Capped CaseloadTelecommuter, NY$70,000–$80,000 / yearPRIMARY PURPOSE OF THE ROLE: To analyze mid to high level Workers Compensation Lost-Time claims on behalf of our valued clients to determine benefits due, while ensuring ongoing adjudication of claims within service expectations, industry best practices, and specific client service requirements. Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience.
Senior Claims Adjuster - Workers' Compensation MSIG HoldingsSenior Claims Adjuster - Workers' CompensationWarren, New Jersey$95,000–$105,000 / yearThis position is responsible to adjust assigned claims within delegated limits of authority, conduct timely and thorough investigations, handle subrogation claims, and complete fair and equitable claim settlements in accordance with MSMM Claim Handling Guidelines and/or requirements of principals regarding TPA business to ensure services are provided in a fair, equitable and timely manner. 5+ years of claims experience, including ability to successfully negotiate settlements, verify coverage, appropriately set reserves, successfully complete investigations and understand rules associated with state regulations.
Public Adjuster Metro Public AdjustmentPublic AdjusterLevittown, PA$30,000–$250,000 / yearFull timePart timeNow, we’re expanding our team and looking for motivated individuals who want flexibility, independence, and unlimited growth potential. We specialize in helping policyholders receive the maximum settlement they are entitled to under their insurance policies.
Senior Liability Claims Adjuster Alliant Insurance Services, Inc.Senior Liability Claims AdjusterYardley, PAWe operate through a network of specialized national platforms and local offices to offer our clients a comprehensive portfolio of solutions built on innovative thinking and personal service. We are proud to provide comprehensive, high quality employee programs to meet employees needs now and in the future, including a very competitive financial package.