Description

Description and Requirements

The Opportunity

The Long Term Disability (LTD) Claims Specialist is responsible for delivering accurate, timely, and empathetic disability claim evaluations that support financial security and confidence for our customers across the United States. This role is essential to MetLife's mission by ensuring fair, compliant, and customer-focused claim decisions while balancing risk management, regulatory requirements, and service excellence.

Guided by our purpose - always with you, building a more confident future - and our New Frontier strategy focused on stronger growth, attractive returns, and all-weather performance, this is an exciting opportunity to make a meaningful impact on customers' lives during critical moments. The LTD Claims Specialist will manage moderately complex claims, collaborate with internal and external partners, and apply sound judgment to support return-to-work outcomes, customer satisfaction, and operational excellence in a fast-paced, virtual environment.

Key Responsibilities
• Lead the evaluation of a caseload of moderately complex Long Term Disability claims, applying independent judgment while meeting productivity, quality, and compliance standards
• Create thorough, accurate claim documentation and written communications that clearly outline claim status, rationale, and determinations
• Oversee timely and compliant claim reviews in accordance with state regulations, Department of Insurance standards, and policy provisions
• Manage proactive, empathetic communication with claimants, attorneys, brokers, medical providers, employers, and family members throughout the claim lifecycle
• Develop action plans that identify return-to-work potential and appropriate rehabilitation opportunities
• Coordinate with internal and external resources, including physicians, vocational consultants, clinical teams, legal partners, and Fraud, Waste & Abuse resources to gather and reconcile medical, occupational, and financial information

Required Qualifications
• 1+ year of experience in Long Term Disability claims or disability claim management
• High school diploma with demonstrated ability to apply independent judgment and decision-making to moderately complex claim evaluations
• Claims management systems and benefit calculation tools, used to evaluate LTD claims and accurately calculate benefits including COLA, Social Security offsets, and rehabilitation/return-to-work payments
• Strong critical thinking, analytical, and problem-solving skills with the ability to interpret medical, occupational, and financial information
• Excellent communication and customer service skills, demonstrating empathy, professionalism, and clarity in both written and verbal interactions

Preferred Qualifications
• Experience collaborating with clinical, vocational, legal, or fraud prevention partners to support sound and defensible claim decisions
• Strong organizational and time-management skills with the ability to prioritize effectively in a fast-paced, virtual environment
• Demonstrated resilience and adaptability, with the ability to manage complex situations and escalated customer concerns professionally

The expected salary range for this position is $41,600 - $80,169. This role may also be eligible for annual short-term incentive compensation. All incentives and benefits are subject to the applicable plan terms.

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 offer a comprehensive health plan that includes medical/prescription drug and vision, dental insurance, and no-cost short- and long-term disability. We also provide 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, paid time off, paid holidays, volunteer time off, tuition assistance and much more!

About MetLife

Recognized on Fortune magazine's list of the "World's Most Admired Companies", Fortune World's 25 Best Workplaces™, as well as the Fortune 100 Best Companies to Work For®, 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!

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.

$41,600 - $80,169


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