Long Term Disability Claims Advisor - Remote Opportunities Available!
About The Position
Lincoln Financial is seeking experienced Long-Term Disability (LTD) Claims Examiners to join its growing team in a 100% remote environment. The role makes a meaningful impact by helping individuals navigate challenging moments and delivering fair, timely, and thoughtful claim decisions. The successful candidate will work with clients in a collaborative, high-performance environment focused on quality, innovation, and customer experience. The Claims Advisor independently manages a caseload of LTD claims from intake through resolution. The role involves communicating with claimants, employers, and medical professionals by phone and email to gather and assess information about disability status and applicable state and federal benefits. The Advisor conducts claimant interviews, reviews medical documentation and complex medical records, and partners with clinical and vocational experts to make informed claim decisions and guide action planning throughout the claim lifecycle. The position is responsible for timely and ethical claim determinations consistent with company guidelines and regulatory standards. The Advisor collaborates with case managers, nurse case managers, vocational specialists, and consulting physicians, while providing exceptional customer service and building strong relationships with claimants, employers, and internal partners.
Requirements
- Bachelor's degree or equivalent work experience; four years of experience may substitute for a bachelor's degree.
- At least one year of Long-Term Disability claims experience directly aligned with the role's responsibilities.
- Strong written and verbal communication skills.
- Excellent organizational skills and ability to multitask.
Nice To Haves
- Experience mentoring or coaching newer examiners.
- A continuous improvement mindset, including process optimization, efficiency, and quality.
- Exposure to predictive analytics or AI tools.
Responsibilities
- Independently manage a caseload of Long-Term Disability claims from intake through resolution.
- Communicate with claimants, employers, and medical professionals by phone and email to gather and assess information related to disability status and applicable state and federal benefits.
- Conduct initial and ongoing claimant interviews to gather information for claim evaluation.
- Review medical documentation and partner with clinical and vocational experts to support informed decisions.
- Deliver timely and ethical claim determinations consistent with company guidelines and regulatory standards.
- Collaborate with case managers, nurse case managers, vocational specialists, and consulting physicians on appropriate, ethical, and timely claim determinations.
- Review complex medical records and use tools and resources to determine appropriate claim durations and guide ongoing action planning throughout the claim lifecycle.
- Provide exceptional customer service by identifying needs and opportunities and building strong relationships with claimants, employers, and internal partners.
Benefits
- PTO and parental leave.
- Competitive 401(k) and employee benefits.
- Free financial counseling, health coaching, and employee assistance program.
- Tuition assistance program.
- Work arrangements designed to suit employees.
- Productivity and technology tools and training.
- The role may be eligible for the discretionary Annual Incentive Program.
- Other rewards may include long-term incentives, sales incentives, and Lincoln's standard benefits package.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
