Senior Worker's Compensation Claims Professional

Location: Bloomington, Minnesota (Hybrid) | Full-Time
Pay: $74,497 to $104,295 (depending on experience)
Ranked #8 Top Workplace – Midsize Employer, MN

About the Role:
Are you a seasoned workers’ compensation claims professional who thrives on solving complex cases and making a meaningful impact? At SFM, you’ll manage high-exposure and complex lost-time claims while partnering closely with injured workers, employers, and internal experts to drive the best outcomes. This role is ideal for someone who brings both technical expertise and a collaborative mindset to every claim. Experience with South Dakota claims is highly desirable

What You’ll Do:

• Manage a portfolio of complex workers’ compensation claims, including catastrophic and high-exposure cases, from initial investigation through resolution.
• Analyze facts, apply state statutes and case law, and make sound compensability and liability decisions.
• Establish and adjust reserves, clearly communicating claim exposure and strategies to employers, reinsurers, and internal stakeholders.
•  Proactively drive return-to-work and stay-at-work outcomes by collaborating with medical providers, case managers, legal partners, and rehabilitation specialists.
• Authorize and manage medical and indemnity benefits within authority, ensuring accuracy and compliance with all regulatory requirements.
• Develop and document clear claim strategies, action plans, and settlement analyses to move cases toward resolution.
• Serve as a resource and mentor to team members, contributing to strategy discussions, roundtables, and continuous improvement efforts.
• Maintain accurate and timely claim data to meet internal standards and state reporting requirements.

What We’ll Like About You:

• 4+ years of workers’ compensation lost-time claims experience, with exposure to complex or catastrophic cases.
• Experience with Minnesota and South Dakota claims is highly desirable 
• Bachelor’s degree and/or industry designations (CPCU, ARM) preferred.
• Strong knowledge of workers’ compensation statutes, medical terminology, and claims best practices.
• Proven ability to investigate, negotiate, and resolve claims effectively while managing competing priorities.
• Confidence in handling high-stakes conversations with injured workers, employers, attorneys, and internal partners.
• Excellent communication skills, with the ability to explain complex information clearly and professionally.
• A collaborative, team-first mindset with a willingness to share knowledge and support others.
• Strong analytical and problem-solving skills, with sound judgment in decision-making.

 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. #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.