Advanced Disability Claims Analyst

00010 RiverSource Life Insurance CO; United States; On-site; USD 71,000 - 98,000; Full time

Benefits offered by this job

In-office collaboration (4 days/wk)

Work-from-home day

Job summary

Ameriprise Financial in the United States seeks an Advanced Disability Claims Analyst to deliver fair, timely disability and life claim determinations. You will manage complex claims, influence process improvements, and build trusted relationships with clients, advisors, attorneys, and regulators.

The role requires 5–7 years of disability claims experience, strong knowledge of contracts and regulations, and the ability to mentor peers.

Qualifications

• 5-7 years of long-term disability insurance claims experience.
• Strong knowledge of disability insurance contracts and claim handling.
• Excellent written and verbal communication skills.

Responsibilities

• Adjudicate disability and accelerated benefit claims, determining eligibility and benefits.
• Evaluate medical and financial information to support decisions.
• Coordinate investigations and referrals to specialists and vendors.
• Provide coaching and guidance to team members.
• Manage stakeholder relationships with clients, advisors, attorneys, regulators.
• Identify claim risks and contribute to process improvements.

Skills

Disability claims knowledge

Analytical thinking

Communication skills

Collaboration across teams

Mentoring peers

Education

Bachelor's degree or equivalent

Job description

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. Since 1894, Ameriprise Financial has helped people feel more confident about their financial future. Guided by strong values and a deep commitment to clients, we've remained a trusted leader in financial planning and advice for more than 130 years. Through our businesses, Ameriprise Financial, Columbia Threadneedle Investments and RiverSource Insurance & Annuities, we deliver advice, investment and protection solutions designed for long-term success. While each business brings distinct capabilities and expertise, all are united by our unwavering focus on clients and a strong financial foundation. For you, that means the opportunity to build a meaningful career in a high-performing, collaborative culture where your expertise can grow, your contributions are valued and your work can make a real impact. As a global financial services company with three complementary businesses, the breadth of our capabilities sets us apart. It also creates unique opportunities for employees to learn, collaborate and grow their careers: Ameriprise Financial: Financial planning, advice and wealth management. Columbia Threadneedle Investments: Global asset management serving individual, institutional and corporate clients. RiverSource Insurance & Annuities: Products and solutions designed to help clients protect and grow their wealth. Explore opportunities within each business and region below. Ameriprise US | Careers Ameriprise India | Careers Columbia Threadneedle Investments US | Careers Columbia Threadneedle Investments EMEA APAC | Careers RiverSource | Careers