Advanced Disability Claims Analyst

RiverSource Life Insurance Company; Minneapolis, Las Vegas, Charlotte (MN, NV, NC); Hybrid; USD 71,000 - 98,000; Full time

Benefits offered by this job

Benefits package

Hybrid work arrangement

Comprehensive health/dental/life ins.

Job summary

RiverSource Life Insurance Company is seeking an Advanced Disability Claims Analyst to adjudicate disability and life insurance claims, determine eligibility and benefits, and influence process improvements. The role offers opportunities to mentor peers and contribute to operational excellence while protecting client interests.

The position is hybrid with in-office collaboration in Minneapolis, Las Vegas, or Charlotte; four days on-site and one day remote per week.

Qualifications

• 5–7 years of long-term disability insurance claims experience, including complex claims analysis and adjudication.
• Strong knowledge of disability insurance contracts, policy provisions, and claim handling practices.
• Understanding of medical terminology and financial claim assessment.

Responsibilities

• Adjudicate disability and accelerated benefit claims; determine eligibility, benefits, duration and payment amounts.
• Coordinate investigations, litigation management, and referrals to internal/external specialists as needed.
• Provide coaching and guidance to team members and support complex claim resolution.

Skills

Disability claims

Complex adjudication

Analytical thinking

Regulatory knowledge

Stakeholder collaboration

Education

Bachelor's degree

Job description

Advanced Disability Claims Analyst### Advanced Disability Claims AnalystApply: Hybrid: Minneapolis, Minnesota: Las Vegas, Nevada: Charlotte, North Carolina: Full time: Posted Today: End Date: November 21, 2026 (30 days left to apply): R26\\_4245**About Our Company**We’re a diversified financial services leader with more than $1.5 trillion in assets under management, administration and advisement as of year-end 2024. Our team of 22,000 people across 19 countries, serves more than 3.5 million individual, small business and institutional clients. We are a longstanding leader in financial planning and advice, a global asset manager and an insurer. Our unwavering focus on our clients and strong financial foundation connects each of our unique businesses – Ameriprise Financial, Columbia Threadneedle Investments and RiverSource Insurance and Annuities. Here, we foster meaningful careers, invest in the future, and make a difference for clients, institutions and communities around the world.**Job Description**As an Advanced Disability Claims Analyst, you will play a critical role in delivering fair, timely, and accurate disability and life insurance claim determinations. You will manage complex claims, influence process improvements, provide subject matter expertise, and build trusted relationships with clients, advisors, attorneys, and regulators. This role offers opportunities to lead initiatives, mentor peers, and contribute to operational excellence while protecting client interests and managing risk.**Responsibilities*** Adjudicate disability and accelerated benefit insurance claims, determine eligibility, benefits, duration, and payment amounts while serving as the primary claim contact* Request, evaluate, and interpret medical, financial, occupational, and investigative information to support claim decisions* Coordinate investigations, litigation management activities, and referrals to internal specialists and external vendors when appropriate* Conduct secondary reviews, support complex claim resolution, and provide coaching and guidance to team members* Manage stakeholder relationships through proactive communication with clients, advisors, attorneys, regulators, and business partners* Identify claim risks, ensure compliance with regulatory and legal requirements, and contribute to process improvement initiatives **Qualifications*** 5-7 years of long-term disability insurance claims experience, including complex claims analysis and adjudication* Strong knowledge of disability insurance contracts, policy provisions, insurance regulations, and claim handling practices* Bachelor's degree or equivalent combination of education and relevant experience* Understanding of medical terminology, medical management practices, and financial claim assessment* Strong analytical, critical thinking, investigative, and problem-solving skills* Excellent written, verbal, and presentation communication skills* Ability to collaborate across teams, influence stakeholders, and mentor peers* Experience leading process optimization, continuous improvement, or project initiatives preferred **U.S. Work Authorization & Sponsorship**Applicants must have a valid work authorization that does not now, or in the future, require visa sponsorship for employment in the United States (e.g., H-1B, F-1 CPT, F-1 OPT, TN). **In-Office Collaboration**We are a client-centric, relationship-based business. Working together, in-person, is foundational to how we achieve results. By fostering a culture of face-to-face collaboration, idea sharing, productivity and personal connection, we deliver for our stakeholders. Our employees work in the office at least four (4) days per week, with flexibility to work from home one (1) day per week.**Base Pay Salary**The estimated base salary for this role is $71,300 - $98,100 / year. We have a pay-for-performance compensation philosophy. Your initial total compensation may vary based on job-related knowledge, skills, experience, and geographical work location. In addition, most of our roles are eligible for variable pay in the form of bonus, commissions, and/or long-term incentives depending on the role. We also have a competitive and comprehensive benefits program that supports all aspects of your health and well-being, including but not limited to vacation time, sick time, 401(k), and health, dental and life insurances.**Full-Time/Part-Time**Full time**Exempt/Non-Exempt**Exempt**Job Family Group**Business Support & Operations**Line of Business**INSUR Insurance*Ameriprise Financial is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, gender expression, national origin, ancestry, age, physical or mental disability, medical condition, pregnancy, military status, veteran status, genetic information, citizenship, disability status, marital status, family status or any other basis prohibited by law.**We are committed to fostering an inclusive and accessible recruitment process for individuals with disabilities. If you require a reasonable accommodation to participate in the application or interview process, speak to your recruiter to discuss how we can support you.*