Senior Disability Claims Examiner (LTD) (Virtual)
Prudential Ins Co of America, Newark, NJ, United States
Senior Disability Claims Examiner
The Long-Term Disability (LTD) Senior Disability Claims Examiner is responsible for providing excellent customer service while managing an assigned block of around 95 to 100 Long‑Term Disability claims. The role requires utilizing judgment, assessing risk, and working with various business partners to render claim decisions. As a claim manager, the Examiner partners with medical and vocational resources to evaluate disability and support return‑to‑work goals.
The Team
You will be part of the Long-Term Disability (LTD) Claims team, which is part of our Group Insurance Business. The teams are based in New Jersey, Maine, and Arizona, with fully remote options.
Responsibilities
Deliver an exceptional customer experience that serves to differentiate Prudential from our competitors and ensures that customer commitments and deliverables are achieved.
Communicate 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 ongoing 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 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.
Provide technical direction and/or mentorship to other claims personnel as needed.
Work independently as well as within a team structure.
What You’ll Need to Succeed
4+ years of experience in Long‑Term Disability Claim Management required.
Exceptional customer service skills.
Ability to solve complex claim scenarios with minimal mentorship.
Excellent claim/risk management skills and technical knowledge in contract interpretation and administration.
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
Prudential is required by state‑specific laws to include the salary range for this role when hiring a resident in applicable locations: $61,700.00 – $101,900.00. Specific pricing may vary within the above range based on 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 well‑being 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.
Equal Opportunity Employer
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, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.
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The Long-Term Disability (LTD) Senior Disability Claims Examiner is responsible for providing excellent customer service while managing an assigned block of around 95 to 100 Long‑Term Disability claims. The role requires utilizing judgment, assessing risk, and working with various business partners to render claim decisions. As a claim manager, the Examiner partners with medical and vocational resources to evaluate disability and support return‑to‑work goals.
The Team
You will be part of the Long-Term Disability (LTD) Claims team, which is part of our Group Insurance Business. The teams are based in New Jersey, Maine, and Arizona, with fully remote options.
Responsibilities
Deliver an exceptional customer experience that serves to differentiate Prudential from our competitors and ensures that customer commitments and deliverables are achieved.
Communicate 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 ongoing 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 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.
Provide technical direction and/or mentorship to other claims personnel as needed.
Work independently as well as within a team structure.
What You’ll Need to Succeed
4+ years of experience in Long‑Term Disability Claim Management required.
Exceptional customer service skills.
Ability to solve complex claim scenarios with minimal mentorship.
Excellent claim/risk management skills and technical knowledge in contract interpretation and administration.
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
Prudential is required by state‑specific laws to include the salary range for this role when hiring a resident in applicable locations: $61,700.00 – $101,900.00. Specific pricing may vary within the above range based on 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 well‑being 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.
Equal Opportunity Employer
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, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.
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