Disability Claims Analyst - Long Term Disability (LTD)

The next part of your journey is right around the corner — with The Standard.

A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?

Job Summary

Secure and analyze LTD (long term disability) claim information to make and approve disability decisions and payments on disability claims.  Develop, apply and approve appropriate claim and disability management strategies to ensure prompt and accurate payment and liability management of disability claims.  Provide responsive and caring customer service to claimants, policyholders, and other internal and external customers; participate actively and effectively in team/department projects and issues.

PRINCIPAL ACCOUNTABILITIES / ESSENTIAL FUNCTIONS

Contribute to the company’s success through excellent customer service and meeting or exceeding performance objectives for the following major job functions:

• Investigate, secure and analyze information pertaining to claimants’ medical condition, occupational demands, insured status, and other policy provisions to accurately determine eligibility for, and entitlement to disability benefits.

• Identify file/fact discrepancies and outstanding issues and secure additional documentation as needed while investigating within prescribed timeframes. 

• Make and communicate disability decisions and issue correct benefits for new and continuing claims.

• Develop and execute a claim and disability management strategy for each claim to appropriately manage claim liability and provide responsive and caring customer service

• Ensure that each claimant’s ongoing and changing medical conditions, vocational options, applicable policy limitations and provisions, and deductible income are investigated, applied and pursued, and used to reach timely and appropriate claim resolution

• Ensure claims are managed to the correct payment duration.

• Proactively communicate and respond to claim and account inquiries from claimants, policyholders, field personnel and other interested parties

• Resolve issues through effective oral and written communication and by involving appropriate people within, or outside, the department or company. 

• May act as the primary client contact within Benefits and liaison with Operations and Sales on the installation, servicing, and renewal of disability clients.

• Client contact responsibilities may include analysis of claim/service trends and implementation of responses; creation of customer claim reports and communications to meet client needs; participation in renewal assessments and client visits. 

• Effectively and professionally represent the company in all interactions.

• Approve claim decisions, claim and disability management strategies and payments recommended by less-experienced staff.

• Provide training for the department, team and individuals.

• Ensure the company’s reserve liability is accurately established by identifying all applicable claim offsets and maintaining accurate claim and system data.

Skills and Background You’ll Need

• Experience:  Minimum eighteen months progressively responsible experience in disability claims administration; or the equivalent combination of education and/or relevant experience.

• 5+ years of progressive experience in LTD (long term disability) claims (HIGHLY PREFERRED)

• Education:  Degree in arts & sciences, business or related field (PREFERRED)

Key Behaviors of a Successful Candidate

• Demonstrated skills for appropriate, timely and customer-focused disability claim account management and administration.

• Ability to analyze and apply medical, technical, contractual and legal information to manage an increasingly complex range of disability claims.

• Demonstrate working knowledge of Federal, State and local laws and regulations affecting claim investigation, disability decision, and taxation of benefits.

*The target compensation for this position is $64K - $70K.

#LI-REMOTE

Why Join The Standard?

We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:

• A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions

• An annual incentive bonus plan

• Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure

• A supportive, responsive management approach and opportunities for career growth and advancement 

• Paid parental leave and adoption/surrogacy assistance

• An employee giving program that double matches your donations to eligible nonprofits and schools

In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard.

• Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance.

Salary Range:

Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. All employees of The Standard must be bondable.