Disability Claim Specialist

About the role

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.

Responsibilities

• Secure and analyze claim information to make disability claim decisions, including complex and high liability claims while also delivering excellent and timely customer service.
• Investigate, secure, and analyze information pertaining to claimants' medical condition, occupational demands, work earnings, business income/expenses, insured status, and other policy provisions to accurately determine eligibility for disability benefits.
• Evaluate the insurance application for accuracy and consistency, engaging Underwriting, Legal, and other teams as needed.
• Work in partnership with medical, vocational, and financial resources supporting a thorough and consistent claim evaluation.
• Make and communicate disability approval decisions and issue correct benefits.

Requirements

• Education: Bachelor’s degree is preferred but in lieu of degree, IDI claims experience may substitute.
• Experience: A minimum of 3+ years of disability claims processing experience with at least 2 years of IDI specific claims experience.
• Ability to understand and interpret all claim evaluation materials such as contract language, medical records, financial records and legal correspondence.
• Experience acting as a liaison with underwriting, reinsurance carriers, sales, private investigators, etc.
• Recognize, understand and respond to situations involving potentially fraudulent activity and/or litigation to ensure a defensible file.
• Effectively identify and prioritize critical objectives focusing on high impact components.
• Provide effective leadership.

Qualifications

• Take action: Independently drives work forward and takes responsibility for achieving job requirements, tasks and objectives.
• Customer focus: Displays an interest in the customer by trying to understand their concerns and issues; draws on customer insight to help others with how to best meet current and future customer needs.
• Improvement mindset: Sees old problems and status quo as opportunities to improve; identifies opportunities to improve team performance.

Skills

• Understand and interpret all claim evaluation materials such as contract language, medical records, financial records and legal correspondence.
• Act as a liaison with underwriting, reinsurance carriers, sales, private investigators, etc.
• Recognize, understand and respond to situations involving potentially fraudulent activity and/or litigation to ensure a defensible file.
• Identify and prioritize critical objectives focusing on high impact components.
• Provide effective leadership.

Benefits

Our rich benefits package includes medical, dental, vision, and a 401(k) plan with matching company contributions. We also offer an annual incentive bonus plan, generous paid time off, an employee giving program that doubles matches your donations to eligible nonprofits and schools, and opportunities for career growth and advancement.

Pay

The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data. Salary Range: $76,250.00 - $111,500.00

Schedule

Positions will be posted for at least 5 days from original posting date.

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.
• Absolutely free 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.

Eligibility

Any award depends on a variety of factors including individual and organizational performance. The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data. Salary Range: $76,250.00 - $111,500.00 Positions will be posted for at least 5 days from original posting date.

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.

Equal Opportunity Employer

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.

Background Check

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 requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.