Benefit Claim Specialist

Mutual of Omaha; United States; Remote; USD 56,000 - 85,000; Full time

Benefits offered by this job

401(k) plan with company match

Annual bonus opportunity

Job summary

Mutual of Omaha Insurance Co. is seeking a remote Long Term Disability Claims professional to guide claims from start to finish. You will evaluate facts, communicate with stakeholders, and document decisions carefully.

This role emphasizes empathy and accuracy in financial determinations. Eligible candidates should have 2+ years in LTDI claims, strong understanding of policy provisions, and proficiency with MS Office.

Qualifications

• 2+ years of Long Term Disability claims experience.
• Ability to analyze insurance provisions and contracts.
• Proficient with navigating multiple systems and MS Office.
• Strong customer service skills with empathy.

Responsibilities

• Make decisions in partnership with management based on claim facts.
• Develop case files with documented decision rationale.
• Maintain clear communication with claimants, brokers, and internal teams.
• Allocate 50% of time to phone conversations with claimants and counterparts.
• Assess ongoing liability and authorize initial/ongoing payments as appropriate.

Job description

Location: Remote
Work Type: Full Time Regular
Job No: 505369
Categories: Claims/Claims Processing
Application Closes: Closes Nov 9, 2026

As a key member of our Long Term Disability Claims team, you’ll guide insurance claims from start to finish—making informed decisions that directly affect our customers’ financial well‑being. Your experience in Long Term Disability claims ensures timely, accurate support and builds trust in our company’s promise to protect.

Long Term Disability Class starts on Friday December 11th

Training hours are from 7:30 a.m. to 4:00 p.m. CST for up to 14 weeks.

WHAT WE CAN OFFER YOU:

• Estimated Wage (Levels have variable responsibilities and qualifications):
  • Benefit Claim Specialist $26.00 - $27.00, plus annual bonus opportunity.
  • Sr Benefit Claim Specialist: $56,000 - $70,000, plus annual bonus opportunity.
  • Lead Benefit Claim Specialist: $59,500 - $85,000, plus annual bonus opportunity.
• 401(k) plan with a 2% company contribution and 6% company match.
• Applicants for this position must not now, nor at any point in the future, require sponsorship for employment.

WHAT YOU'LL DO:

• Make decisions in partnership with management based on a comprehensive understanding of claim facts and thorough evaluation of relevant information.
• Develop case files that showcase sound decision-making in accordance with documented procedures, using claim facts, policy provisions, and special handling agreements. Foster effective business relationships through clear communication with claimants, brokers, sales organizations, vendor partners, employers, and internal departments such as underwriting and legal.
• Thoroughly document all claim decisions and actions meticulously, maintaining regular and appropriate communication. 50% of your day will be on the phone with claimants, employers, and medical professionals throughout the entire claims life cycle.
• Review and determine ongoing claim liability, involving the evaluation of claim documentation, resolution of queries, and identification of any changes in claim status or benefits. Collaborate with internal and external partners, including brokers, sales organizations, clinical and physician resources, vocational experts, and financial resources.
• Accurately determine financial liability by analyzing salary, other income sources, medical/vocational information, and contract language. Exercise limited autonomy to approve initial and ongoing payments based on a holistic file evaluation.

WHAT YOU’LL BRING:

• 2 + Years of Long Term Disability Claims Experience.
• Demonstrate a foundational ability to analyze, comprehend and apply insurance provisions and contracts to disability claims.
• Ability to calculate disability benefits based on contract provisions and offset management to provide fair, equitable and consistent treatment of claims necessary for accurate financial payments and policyholder retention and satisfaction.
• Proficient with navigating multiple systems and Microsoft Office Suite
• Provide a solid level of customer service (written and verbal) while displaying empathy to customers.
• You promote a culture of diversity and inclusion, value different ideas and opinions, and listen courageously, remaining curious in all that you do.
• Able to work remotely with access to a high-speed internet connection and located in the United States or Puerto Rico

If you have questions about your application or the hiring process , email our Talent Acquisition area at [e-mail] . Please allow at least one week from time of applying if you are checking on the status.

Together we achieve greatness. Not only is this a core value, but it’s also representative of the kind of place we are — built by the strength and integrity of our employees. It’s why we’re named a “Great Place to Work”.

Surround yourself with an authentic and inclusive culture. Your strengths and differences will be valued and celebrated by a diverse community of co‑workers.