Department of Professional and Financial Regulation - Bureau of Insurance/Consumer Health Care Division
Job Class Code: 0367
Grade: 22 (Professional/Technical)
Salary: $47,174 - $65,832
Location: Gardiner, ME
Opening Date: October 16, 2024
Closing Date: October 30, 2024
This is administrative work in examining life and health insurance contracts to determine compliance with Maine law. Work includes reviewing policy forms, riders, and endorsements used by insurance companies doing business within Maine; reviewing certificates issued pursuant to out-of-state group policies as well as processing complaints, inquiries, and requests for assistance from the public regarding insurance matters. Work is performed under limited supervision.
Primary responsibilities include:
- Reviews and analyzes life, accident, and health insurance contracts including policies, certificates, riders, and endorsements attached or included in order to determine compliance with Maine law.
- Consult with insurance company representatives in order to clarify, correct, and alter contract provisions where contracts conflict with Maine laws, rules, and regulations.
- Researches and evaluates insurance-related problems in order to develop solutions including improved procedures, changes in regulations, or proposed legislation.
- Advises Bureau of Insurance personnel in order to provide technical information regarding area of expertise.
- Responds to telephone queries and/or complaints from the public and conduct individual interviews in order to solicit or provide information and provide solutions to life and health insurance-related problems.
- Mediates settlements with life and health insurers in order to resolve complaints.
- Represent the agency and speak before various groups in order to provide information regarding life and health insurance.
Skills or knowledge required:
- Knowledge of life, health, and accident insurance.
- Knowledge of contract law as it relates to insurance.
- Knowledge of state insurance laws, rules, and regulations.
- Knowledge of practices and procedures of insurance and related industries.
- Knowledge of federal insurance programs.
- Knowledge of insurance examination and question development procedures.
- Ability to recognize conflicts in contracts (prohibited and required provisions).
- Ability to solve problems independently.
- Ability to communicate effectively.
- Ability to write clearly and effectively.
- Ability to read and understand insurance contracts.
Minimum qualifications:
A Bachelors Degree in Business Administration or related field and one (1) year of experience in the insurance industry -OR- a five (5) year combination of education, training, and/or experience in the insurance industry.
Preference will be given to those applicants:
Health insurance experience preferred
Contact information:
Questions about this position should be directed to Deputy Director, Kim E. Davis at Kim.E.Davis@Maine.gov.
Application Instructions:
Interested applicants need to apply online by selecting the "Apply for this opening" button along with uploading a cover letter, current resume, and copies of any transcripts or certifications you wish to have considered while evaluating your application. In order for us to properly determine if you meet the minimum qualifications for any posting, you must be sure your resume includes month and year for any experience listed along with the duties and responsibilities associated with each particular time period. Any experience that was not full-time employment should be identified as such.
If you require a paper application, please download and print one here https://www.maine.gov/bhr/state-jobs/application-process or contact our office at 207-623-6700. Paper applications for this posting should be submitted along with cover letter and resume before the closing date to Security & Employment Service Center, 45 Commerce Drive, Augusta, ME 04330 or faxed to 207-287-2018. Be sure title of the job you are applying for is included. Applications cannot be accepted after the posting closing date.
Benefits of working for the State of Maine:
No matter where you work across Maine state government, you find employees who embody our state motto—"Dirigo" or "I lead"—as they provide essential services to Mainers every day. We believe in supporting our workforce's health and wellbeing with a valuable total compensation package, including:
- Work-Life Fit – Rest is essential. Take time for yourself using 13 paid holidays, 12 days of sick leave, and 3+ weeks of vacation leave annually. Vacation leave accrual increases with years of service, and overtime-exempt employees receive personal leave.
- Health Insurance Coverage – The State of Maine pays 85%-95% of employee-only premiums ($11,196.96 - $12,514.32 annual value), depending on salary. Use this chart to find the premium costs for you and your family, including the percentage of dependent coverage paid by the State.
- Dental Insurance – The State of Maine pays 100% of employee-only dental premiums ($387.92 annual value).
- Retirement Plan – The State contributes the equivalent of 13.29% of the employee's pay towards the Maine Public Employees Retirement System (MainePERS) for MSEA, or 18.09% for Confidential employees.
State employees are eligible for an extensive and highly competitive benefits package, covering many aspects of wellness. Learn about additional wellness benefits for State employees from the Office of Employee Health and Wellness.
Note: Benefits may vary somewhat according to specific collective bargaining agreements and are prorated for anything less than full-time.
There's a job and then there's purposeful, transformative work. Our aim is to create a workplace where you can learn, grow, and continuously refine your skills. Applicants demonstrate job requirements in differing ways, and we appreciate that many skills and backgrounds can make people successful in this role.
As an Equal Opportunity employer, Maine State Government embraces a culture of respect and awareness. We are committed to creating a strong sense of belonging for all team members, and our process ensures an inclusive environment to applicants of all backgrounds including diverse race, color, sex, sexual orientation or gender identity, physical or mental disability, religion, age, ancestry, national origin, familial status or genetics.
If you’re looking for a great next step, and want to feel good about what you do, we’d love to hear from you. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.
Thinking about applying?
Research shows that people from historically excluded communities tend to apply to jobs only when they check every box in the posting. If you’re currently reading this and hesitating to apply for that reason, we encourage you to go for it! Let us know how your lived experience and passion set you apart.
