Individual Disability Claims Specialist II

About the role

The IDI Claims Specialist evaluates individual disability income insurance claims, exercising independent judgment and making sound claim determinations in accordance with contract provisions and service standards across the United States. This role supports MetLife’s commitment to customers and communities by delivering fair, timely, and well-reasoned outcomes.

Responsibilities

• Manage a caseload of pending, ongoing, and appeal reviews, ensuring timely, accurate, and well-reasoned claim determinations in a high-volume environment.
• Conduct comprehensive fact-finding by gathering and evaluating medical, financial, occupational, and stakeholder information to support informed decisions.
• Develop clear, detailed documentation and correspondence, analyze evidence, identify gaps, and reconcile inconsistencies to produce defensible claim outcomes.
• Cook up and oversee benefit payments and financial components (including offsets and non-routine payments) while maintaining accurate records and resolving escalated concerns, including regulatory and executive inquiries.

Requirements

• Candidates must be within commutable distance from Tampa, Florida.
• High school diploma and the 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 the ability to work independently in a fast-paced environment.
• Excellent communication, customer service, organization, and professional writing skills, along with a proactive and solution-oriented approach.

Preferred Qualifications

• 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

Pay

The expected salary range for this position is $60,000-$70,000. This role may also be eligible for annual short-term incentive compensation and stock-based long-term incentives. All incentives and benefits are subject to the applicable plan terms.

Schedule

This role may be eligible for various schedules, including full-time and part-time options, depending on the department and location.

Benefits

We Offer Our U.S. benefits address holistic well-being with programs for physical and mental health, financial wellness, and support for families. We provide a comprehensive health plan that includes medical/prescription drug and vision, dental insurance, and no-cost short- and long-term disability. We also offer company-paid life insurance and legal services, a retirement pension funded entirely by MetLife and 401(k) with employer matching, group discounts on voluntary insurance products including auto and home, pet, critical illness, hospital indemnity, and accident insurance, as well as Employee Assistance Program (EAP) and digital mental health programs, parental leave, volunteer time off, tuition assistance and much more!

About MetLife

MetLife, through its subsidiaries and affiliates, is one of the world’s leading financial services companies; providing insurance, annuities, employee benefits and asset management to individual and institutional customers. With operations in more than 40 markets, we hold leading positions in the United States, Latin America, Asia, Europe, and the Middle East. Our purpose is simple - to help our colleagues, customers, communities, and the world at large create a more confident future. United by purpose and guided by our core values - Win Together, Do the Right Thing, Deliver Impact Over Activity, and Think Ahead - we’re inspired to transform the next century in financial services. At MetLife, it’s #AllTogetherPossible. Join us!

Equal Opportunity Employer

MetLife is an Equal Opportunity Employer. All employment decisions are made without regards to race, color, national origin, religion, creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, marital or domestic/civil partnership status, genetic information, citizenship status (although applicants and employees must be legally authorized to work in the United States), uniformed service member or veteran status, or any other characteristic protected by applicable federal, state, or local law (“protected characteristics”). If you need an accommodation due to a disability, please email us at accommodations@metlife.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application process. MetLife maintains a drug-free workplace. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liabilities.