Pros
PTO - if you can ever get any consecutive days off and don't mind coming back to 100+ tasks that were never monitored while away. Ability to reduce your heath insurance costs by doing simple heathy points activities 401K match
Cons
Be very aware, this is a call center job. If you are an actual adjuster it will be frustrating. Micromanagement to the extreme. One day a week is completely wasted taking incoming calls only. Mostly contractors asking if their payment has been issued or supplements reviewed or pissed off members angry their adjuster hasn't spoken to them in weeks and what is going on with their claim. Management monitors your calls and what your phone status is. You must be logged in and ready to take calls a certain percentage of the day, expectation is 70-80% or more and if you are out of compliance you can be written up and warned. Most days consist of back to back calls with no time to breath. Three days a week you get just two hours a day to tend to your own claims, new claims, return calls, emails, internal communications. The remaining 6 hrs of those days are back on incoming calls. Also you are not permitted to make any outbound calls for at least 4 hrs of those days. Then one day a week they actually give you a full day to actually be an adjuster and write estimates, review IA reports, do letters, make outbound calls, etc on your own claims. The problem is that by that time you are so overwhelmed with tasks that are days, weeks old it's just an impossible job to ever get caught up. The integrated team approach basically makes it so file ownership does not really exist, although you will be graded on your metrics as if you were fully in control of your file. Due to the call center approach anyone taking a call on one of your claim files can make a decision on you file which is dangerous if they do not take the time to review it fully and then you are stuck with the decision. So if you adhere to the phone metrics you risk not hitting the metrics on your files. If you ignore the phone metrics to deal with your own claims, you miss your metrics on phones. It's a damned if you do, damned if you don't. Catch-22 and you can't win. Your daily schedule is changed constantly, never the same breaks or lunch. While PTO is generous, because of the weird way they have it set up, every Friday and Monday are usually already gone and you have to compete for any time around the holidays. This is also the only company I've ever worked for that didn't automatically give you the Friday after Thanksgiving off. The CAT dept seems a bit hit or miss too. It feels like after 100 yrs of doing this, every event is new to them and the approach of "all hands on deck" everyone take FNOL and deal with all 50 states is just chaos. Claims assignments are also very fluid with adjusters being able to kind of arbitraly reassign. You are expected to be an expert on the nuances of all 50 states. They do provide a ton of information, but to the point of overkill where there is so much, finding what you need becomes a challenge. From what I hear from long term employees, the benefits, while still good have been greatly reduced from the halcyon days. It looks like they are in danger of just churring adjusters, hiring as quickly as they loose them.