2026 Start Date

Lincoln Financial•Charlotte, NC

9d•$44,800 - $81,400•Remote

About The Position

We’re looking for a driven and compassionate experienced Long-Term Disability (LTD) Claims Examiners to join our growing team in a 100% remote environment. In this role, you’ll make a meaningful impact—helping individuals navigate some of life’s most challenging moments while delivering fair, timely, and thoughtful claim decisions. At Lincoln, you’ll partner with some of the most respected clients in the industry, contributing to solutions that set the standard for quality, innovation, and customer experience. You’ll thrive in a high-performance, collaborative environment where your expertise is valued, and your work truly matters. If you enjoy working in a fast-paced team environment, then please read on! Why should you join our team? Make a meaningful impact – Support individuals through life’s most critical moments by delivering thoughtful, fair, and timely claim decisions. Join a high-performing, respected team – Be part of a collaborative environment known for best-in-class audit performance and operational excellence. Grow your career with purpose – Develop your expertise in a supportive environment that values continuous learning, professional growth, and advancement. Thrive in an innovative environment – Work within a dynamic team that embraces change, drives continuous improvement, and is shaping the future of claims.

Requirements

4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's).
1+ Years of long-term disability claims experience directly aligned with the specific responsibilities for this role.
Strong written and verbal communication skills.
Excellent organization skills with the ability to multi-task.

Nice To Haves

Experience mentoring or coaching newer examiners.
Continuous improvement mindset (process optimization, efficiency, quality).
Exposure to predictive analytics / AI tools.

Responsibilities

Independently manage a caseload of Long-Term Disability (LTD) claims from intake through resolution, partnering with claimants, employers, and medical professionals via phone and email to gather and assess information related to disability status and applicable state and federal benefits.
Conduct initial and ongoing interviews with claimants to gather key information for claim evaluation, while reviewing medical documentation and partnering with clinical and vocational experts to support informed decisions.
Deliver timely and ethical claim determinations, ensuring consistency with company guidelines and regulatory standards.
Collaborate with case managers, nurse case managers, vocational specialists, and consulting physicians to support appropriate, ethical, and timely claim determinations.
Review complex medical records and leverage a variety of tools and resources to determine appropriate claim durations and guide ongoing action planning throughout the claim lifecycle.
Deliver exceptional customer service by proactively identifying needs and opportunities, while building strong relationships with claimants, employers, and internal partners.