Disability Claims Examiner - LTD

Job Classification

Operations - Insurance Operations

Job Description

Prudential is a company of smart, ambitious professionals working together across a multitude of disciplines.

Together, we are building a better financial future for our customers and our communities around the globe.

At Prudential, we understand that a company is only as good as its people.

This simple fact is central to all that we do.

The Team

You will be part of the Long-Term Disability (LTD) Claims team which is part of our Group Insurance Business.

We have Long-Term Disability teams based out of New Jersey, Maine, and Arizona as well as fully remote teams.

The Role

The Long-Term Disability (LTD) Disability Claims Examiner is responsible for providing excellent customer service while managing an assigned block of around 95 to 100 Long-Term Disability claims.

You will be expected to utilize judgment and assess risk as you work with various business partners to render claim decisions.

As a claim manager you will partner with medical and vocational resources to evaluate disability and support return to work goals.

Additional responsibilities include

• Deliver an exceptional customer experience that serves to differentiate Prudential from our competitors and ensures that customer commitments and deliverables are achieved.
• Communication via telephone, email, and text with employees, employers, attorneys, and others.
• Review and interpret medical records, utilizing resources as appropriate.
• Complete financial calculations
• Gain an understanding and working knowledge of the Prudential claim system, policies, procedures, and contracts as well as regulatory and statutory requirements for claim products administered.
• Apply contract/policy provisions to ensure accurate eligibility and liability decisions.
• Demonstrate and apply analytical and critical thinking skills.
• Verify on‑going liability and develop strategies for return‑to‑work opportunities as appropriate.
• Document objective, clear and technical rationale for all claim determinations and demonstrate the ability to effectively communicate claim decisions to our customers via oral and written communication.
• Leverage a broad spectrum of resources, materials, and tools to render claims decisions.
• Provide timely and exceptional customer experience by paying appropriate claims accurately and timely, responding to all inquiries and maintaining expected service and quality standards.
• Work within a fast‑paced environment, with tight deadlines and the ability to balance multiple priorities.
• Work independently as well as within a team structure.

What You’ll Need to Succeed

• 2 years minimum of prior Long Term Disability Claim Management or highly relevant experience required
• Exceptional customer service skills
• Proven skills in positive and effective interaction with challenging customers
• Strong written and oral communication skills demonstrated in previous work experience (preference for bilingual verbal communication in Spanish and English)
• Excellent organizational and time management skills with ability to multitask and prioritize deadlines.
• Ability to manage multiple and changing priorities.
• Detail oriented; able to analyze and research contract information.
• Demonstrated ability to operate with a sense of urgency.
• Experience in effectively meeting/exceeding individual professional expectations and team goals.
• Demonstrated analytical and math skills.
• Ability to exercise critical thinking skills, risk management skills and sound judgment.
• Ability to adapt, problem solve quickly and communicate effective solutions.
• High level of flexibility to adapt to the changing needs of the organization.
• Self‑motivated, independent with proven ability to work effectively on a team and work with others in a highly collaborative team environment.
• Continuous improvement mindset
• A commitment to support a work environment that fosters Diversity and Inclusion
• Strong computer literacy and skills with the ability to work within multiple systems; proficiency with PC based programs such as Excel and Word.

What we offer you

Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations.

The salary range for this role is from $53,300.00 to $88,000.00.

Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills.

• Market competitive base salaries, with a yearly bonus potential at every level.
• Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave.
• 401(k) plan with company match (up to 4%).
• Company‑funded pension plan.
• Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs.
• Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development.
• Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs.
• Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service.

Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance.

To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers.

Some of the above benefits may not apply to part‑time employees scheduled to work less than 20 hours per week.

Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom.

Prudential is an equal opportunity employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.

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