Job Description
Note: The job is a remote job and is open to candidates in USA. MetLife is a leading financial services company dedicated to making a meaningful impact in the lives of customers and communities. The Lead LTD Claims Specialist will manage complex long-term disability insurance claims, serve as a technical expert, and mentor new associates while driving continuous improvement in customer experience.
- Responsibilities
- Independently manage an assigned caseload of the most complex claims which consists of pending and ongoing/active reviews. Provides timely, balanced and accurate claims reviews, documentation and recommended decisions in a time sensitive and fast-paced environment and in accordance with state and department of insurance regulations. Provides timely and detailed written communication during the claim evaluation process which outlines the status of the evaluation and/or claim determination and interacts and communicates effectively with claimants, customers, health care providers, attorneys, brokers, and family members during claim evaluations
- Compiles file documentation and correspondence requiring extensive policy and factual detail. Analyzes information to determine if additional information is needed to make a reasonable and logical claims determination based off the information available. Proficiently calculates monthly benefits due after elimination period, to include COLA, Social Security Offsets, and Rehab Return to Work benefits, and other non-routine payments
- Collaborates effectively with both external and internal resources, such as physicians, attorneys, vocational consultants and CPAs, as needed, to gather data such as medical/occupational information in order to ensure reasonable, thorough decisions
- Clarifies and reconciles inconsistencies when gathering information during claim evaluations and collaborates with Fraud Waste and Abuse resources as needed and addresses/resolves escalated customer complaints in a timely and thorough manner. Identifies and refers appropriate matters to our appeals, complaint, or litigation support areas
- Serves as an extended leadership team member, participates in new hire onboarding including coaching, mentoring and development, providing direct support to Unit Leaders, and partners with the leadership team to meet project goals related to quality, timely claim outcomes, customer service and staff development and provide detailed, balanced feedback to leadership on individual, team, customer or site performance and offers solutions on opportunities identified
- Skills
- 5+ years of LTD/IDI Insurance Claims experience with excellent customer service skills proven through internal and external customer interactions
- Prior experience with independent judgement and decision making while relying on the available facts/problem solving/critical thinking
- Ability to effectively manage multiple systems and technology resources
- Organizational and time management skills
- Bachelor's degree
- Knowledge of STD/FML, state leave laws, worker's compensation, ERISA, and Social Security
- Benefits
- Comprehensive health plan that includes medical/prescription drug and vision
- Dental insurance
- No-cost short- and long-term disability
- Company-paid life insurance
- Legal services
- A 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
- Accident insurance
- Employee Assistance Program (EAP)
- Digital mental health programs
- Parental leave
- Volunteer time off
- Tuition assistance
- Company Overview
- MetLife is a provider of insurance, employee benefits, and financial services . It was founded in 1868, and is headquartered in New York, New York, USA, with a workforce of 10001+ employees. Its website is http://www.metlife.com.
- Company H1B Sponsorship
- MetLife has a track record of offering H1B sponsorships, with 164 in 2025, 108 in 2024, 113 in 2023, 155 in 2022, 75 in 2021, 81 in 2020. Please note that this does not guarantee sponsorship for this specific role.
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