Experienced Accident Benefit Claims Advisor- Senior

Work Location:

Hours:

Line of Business:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

Department Overview

TD Insurance is part of TD Bank Group one of Canadas largest financial institutions. We help protect clients from the accidents of life with products including life health home auto and travel insurance.

With over 3 million clients and a national presence we offer the opportunity to be part of a stable growing organization where your expertise can make a meaningful impact.

At TD Insurance we are committed to fostering an inclusive environment where talent is supported development is encouraged and careers can truly grow.

This is a primarily onsite position with an expectation to work from the office 4 days per week. Target start date for this role is September 2026.

About the Role

Reporting to a Team Manager the Senior Accident Benefits Claims Advisor plays a key role in supporting clients through some of their most challenging moments.

In this role you will:

• Assess investigate and manage complex Accident Benefits claims

• Support clients through recovery by ensuring access to the right benefits and treatment

• Work closely with medical stakeholders legal partners and internal teams

• Apply judgement and technical expertise across medical legal and insurance frameworks to drive fair and timely claim outcomes

This role is ideal for:

Experienced Accident Benefits Claims Advisors / Adjusters

Healthcare professionals (e.g. Registered Nurses Occupational Therapists Physiotherapists Kinesiologists Rehabilitation Specialists) looking to transition into a corporate insurance career

Legal professionals (e.g. paralegals legal assistants litigation support) with exposure to personal injury or insurance environments

What Youll Do

• Manage a portfolio of complex AB claims (Non-MIG / Non-CAT)

• Conduct detailed claim investigations and determine entitlement under SABS

• Interpret medical documentation and collaborate with healthcare providers

• Apply a total cost management approach including reserving and file strategy

• Handle exposures such as:

  • Priority of payment

  • Loss transfer

  • WSIB

• Interpret and apply legislation policy wording and legal frameworks in claim decisions

• Support clients through recovery and return-to-function outcomes

• Negotiate effectively with internal and external stakeholders to resolve claims

What Were Looking For

Insurance Background

• 3 years of Accident Benefits claims experience

• Strong knowledge of:

  • SABS

  • Non-MIG / Non-CAT files

  • Loss transfer / reserving

• Experience handling files with moderate to high complexity

Healthcare Background (Career Transition)

• Background in:

  • Nursing (RN)

  • Occupational Therapy

  • Physiotherapy

  • Kinesiology

  • Rehabilitation / clinical roles

• Strong understanding of:

  • Injury recovery

  • Functional assessments

  • Medical documentation

Prior insurance experience is not required training will be provided.

Legal Background

• Background in:

  • Paralegal or legal assistant roles

  • Litigation support (personal injury insurance defense or accident benefits)

• Experience or exposure to:

  • Accident Benefits personal injury or insurance-related claims

  • Reviewing legal documentation case files or medical-legal reports

• Strong ability to interpret:

  • Legislation (SABS) policy language and legal correspondence

Prior claims experience is an asset but not required training will be provided.

Key Skills

• Strong analytical and decision-making skills

• Ability to interpret medical legal and technical information

• Excellent communication and client management abilities

• Confidence in handling complex and sensitive situations

• Strong negotiation and conflict resolution skills

• Ability to manage multiple priorities in a fast-paced environment

Why Join TD Insurance

Opportunity to leverage your medical legal or claims experience in a corporate setting
Strong potential for improved work-life balance compared to frontline healthcare or high-volume environments
Comprehensive training and onboarding support
Competitive compensation benefits
Strong focus on career growth and internal mobility
Supportive collaborative team environment

This is a primarily onsite position with an expectation to work from the office 4 days per week. Target start date for this role is September 2026.

#LI-TDI

#IN-TDI

Who We Are:

As part of TD Bank Group one of Canadas largest financial institutions at TD Insurance we care for Canadian families making it easy to get the best advice protection and support in their moments of need always.

TD Insurance offers a wide range of products including General Insurance and Life and Health. Everyday we strive to make every interaction product and experience remarkably human and refreshingly simple for more than four million customers who count on us.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

Language Requirement (Quebec only):

Required Experience:

Senior IC