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Individual Disability Claims Specialist II - Tampa

MetLife•Tampa, FL
•$60,000 - $70,000•Hybrid

About The Position

The Individual Disability Income (IDI) Claims Specialist evaluates individual disability income insurance claims across the United States, exercising independent judgment and making sound determinations in accordance with contract provisions and service standards. The role applies critical thinking and analysis to complex claim situations and works with internal and external partners to deliver fair, timely, and well-reasoned outcomes for customers. The specialist manages a high-volume caseload of pending, ongoing, and appeal reviews; gathers and evaluates medical, financial, occupational, and stakeholder information; and produces clear documentation and correspondence. The role also coordinates with insureds, attorneys, brokers, and other partners, explains claim decisions, oversees benefit calculations and payments, maintains accurate records, and addresses escalated concerns, including regulatory and executive inquiries. The position is based within commuting distance of Tampa, Florida, and is listed as hybrid and full-time.

Requirements

  • Be within commutable distance of Tampa, Florida.
  • High school diploma and ability to apply foundational business knowledge to evaluate claims and communicate decisions clearly and professionally.
  • Experience using business systems and documentation tools to manage claim files, track activity, and produce accurate written correspondence.
  • Strong critical thinking, sound judgment, and analytical decision-making skills, with ability to work independently in a fast-paced environment.
  • Excellent communication, customer service, organization, and professional writing skills, with a proactive and solution-oriented approach.

Nice To Haves

  • Bachelor’s degree.
  • 3 to 5 years of related professional business experience.
  • Individual Disability Income claims experience.
  • Familiarity with FINEOS, including navigation, case management, and claims processing functions.

Responsibilities

  • Manage a caseload of pending, ongoing, and appeal reviews, ensuring timely, accurate, and well-reasoned claim determinations in a high-volume environment.
  • Gather and evaluate medical, financial, occupational, and stakeholder information to support informed decisions.
  • Document claim files and correspondence clearly and in detail; analyze evidence, identify gaps, and reconcile inconsistencies to produce defensible outcomes.
  • Coordinate communication with insureds, attorneys, brokers, and internal and external partners; explain claim decisions, resolve issues, and ensure stakeholder alignment.
  • Calculate and oversee benefit payments and financial components, including offsets and non-routine payments.
  • Maintain accurate records and resolve escalated concerns, including regulatory and executive inquiries.

Benefits

  • Medical and prescription drug coverage
  • Vision insurance
  • Dental insurance
  • No-cost short- and long-term disability coverage
  • Company-paid life insurance
  • Legal services
  • Retirement pension funded entirely by MetLife
  • 401(k) with employer matching
  • Group discounts on voluntary insurance products, including auto and home, pet, critical illness, hospital indemnity, and accident insurance
  • Employee Assistance Program and digital mental health programs
  • Parental leave
  • Paid time off
  • Paid holidays
  • Volunteer time off
  • Tuition assistance
  • Annual short-term incentive compensation and stock-based long-term incentives may be available, subject to applicable plan terms.

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