Experienced Accident Benefit Claims Advisor- Senior

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Hours:

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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 candidate's 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 Canada’s 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

• 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

• 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

• Background in:

  • Nursing (RN)

  • Occupational Therapy

  • Physiotherapy

  • Kinesiology

  • Rehabilitation / clinical roles

• Strong understanding of:

  • Injury recovery

  • Functional assessments

  • Medical documentation