Claim Analyst 3

Principal Financial Group; Des Moines (IA); Hybrid; USD 65,014,000 - 117,366,000; Full time

Benefits offered by this job

Personal Time Off

Pension Eligible

Hybrid and Remote Work Options

Job summary

Principal Financial Group in Des Moines, IA is seeking a Claim Analyst 3 on our individual disability team. You will review, analyze, adjudicate and decide on life and disability claims, communicating with clients throughout the process.

You'll work in a collaborative environment with a small team, supporting colleagues while managing a caseload and ensuring compliance with policy and regulations. The role offers in-office, hybrid, and remote work options and a competitive hourly pay range.

Qualifications

• High school diploma or equivalent plus 6+ years work experience.
• Bachelor’s degree or associate degree with legal and or medical terminology, or prior Life and Disability claim experience preferred.
• Ability to maintain a high degree of accuracy and pay strict attention to detail.
• Must be able to work in a team environment.
• Good analytical, interpersonal, problem solving and decision-making skills.
• Ability to maintain confidentiality.
• Good verbal and written communication skills.

Responsibilities

• Review, analyze, manage, and make appropriate and accurate decisions on Life and/or Disability claims in accordance to policy and state/federal law and regulations. Mentor, counsel, and provide feedback and assistance to others.
• Analyze, investigate, and adjudicate disability claims after determining information needed and acquiring all appropriate information. Analyze medical, vocational, and financial information to make effective and timely claim decisions. This includes having an in-depth knowledge of claim procedures, product design, contract provisions, state laws and recognition of rehabilitation and Social Security potential. Maintain fully detailed claim file providing a clear and understandable audit trail required for compliance and legal purposes. Identify and refer claims to other resources (senior claims personnel, Medical, Law, etc) with appropriate action plan and questions.
• Connect with clients regarding medical conditions, restrictions & limitations, disability policy provisions, claim decisions, and all other aspects of the claim process.
• Optimally manage caseload as well as assist others in coordinating, setting priorities, providing feedback and supervising their caseload to ensure company and state/federal requirements are met.
• Provide technical insight and be a resource to internal staff and others outside the claim function for claim contract issues. Counsel Team members, providing guidance in claims administration. Serve as consultant to underwriters, customer service, and producers regarding the administration of policy provisions.
• Perform other job-related duties and special projects as the need arises.

Skills

Analytical skills

Communication

Customer service

Attention to detail

Teamwork

Verbal communication

Written communication

Education

High school diploma

Bachelor’s or associate degree with legal/medical terminology

Job description

What You'll Do

As a Claim Analyst 3 on our individual disability team, your day will be anything but routine. This is a small team with a collaborative environment, every single day offers new challenges and the ability to use your excellent analytical, communication and customer service skills to assist with our client’s disability claims - all during a time in which they may be facing major changes in life.

Here are few examples of the kinds of things you'll do:

• Review, analyze, manage, and make appropriate and accurate decisions on Life and/or Disability claims in accordance to policy and state/federal law and regulations. Mentor, counsel, and provide feedback and assistance to others.
• Analyze, investigate, and adjudicate disability claims after determining information needed and acquiring all appropriate information. Analyze medical, vocational, and financial information to make effective and timely claim decisions. This includes having an in-depth knowledge of claim procedures, product design, contract provisions, state laws and recognition of rehabilitation and Social Security potential. Maintain fully detailed claim file providing a clear and understandable audit trail required for compliance and legal purposes. Identify and refer claims to other resources (senior claims personnel, Medical, Law, etc) with appropriate action plan and questions.
• Connect with clients regarding medical conditions, restrictions & limitations, disability policy provisions, claim decisions, and all other aspects of the claim process.
• Optimally manage caseload as well as assist others in coordinating, setting priorities, providing feedback and supervising their caseload to ensure company and state/federal requirements are met.
• Provide technical insight and be a resource to internal staff and others outside the claim function for claim contract issues. Counsel Team members, providing guidance in claims administration. Serve as consultant to underwriters, customer service, and producers regarding the administration of policy provisions.
• Perform other job-related duties and special projects as the need arises.

Who You Are

• High school diploma or equivalent plus 6+ years work experience.
• Bachelor’s degree or associate degree with legal and or medical terminology, or prior Life and Disability claim experience preferred.
• Ability to maintain a high degree of accuracy and pay strict attention to detail.
• Must be able to work in a team environment.
• Good analytical, interpersonal, problem solving and decision-making skills.
• Ability to maintain confidentiality.
• Good verbal and written communication skills (must be able to connect with individuals experiencing illnesses, financial losses, or deaths of loved ones as well as legal and/or medical professionals).

Salary Range Information

Salary ranges below reflect targeted base salaries. Non-sales positions have the opportunity to participate in a bonus program. Sales positions are eligible for sales incentives, and in some instances a bonus plan, whereby total compensation may far exceed base salary depending on individual performance. Actual compensation for all roles will be based upon geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer.

Salary Range (Non-Exempt expressed as hourly; Exempt expressed as yearly)

$22.93 - $40.96 / hour

Salary Details

The following locations are examples of market-specific salary ranges across different geographies.

• Wichita, KS: $22.93 - $30.72 / hour
• Des Moines, IA: $24.21 - $32.43 / hour
• Charlotte, NC: $25.48 - $34.13 / hour
• Chicago/Minneapolis: $28.03 - $37.55 / hour
• Los Angeles/New York City: $30.58 - $40.96 / hour

Time Off Program

Personal Time Off (PTO) is provided to hourly (non-exempt) employees and provides a set amount of accrued time earned each pay period. Employees can use their PTO for vacation, personal or short-term illness.

Pension Eligible

Yes

Work Environments

This role offers in-office, hybrid (blending at least three office days in a typical workweek), and remote work arrangements.

Work Authorization/Sponsorship

At this time, we're not considering candidates that need any type of immigration sponsorship now or in the future or those needing work authorization for this role. (This includes, but is not limited to students on F1-OPT, F1-CPT, J-1, etc.)

Nonimmigrant Workers and Green Card for Employment-Based Immigrants

Investment Code of Ethics

For Principal Global Investors positions, you'll need to follow an Investment Code of Ethics related to personal and business conduct as well as personal trading activities for you and members of your household. These same requirements may also apply to other positions across the organization.

Experience Principal

At Principal, we value connecting on both a personal and professional level. Together, we're imagining a more purpose-led future for financial services - and that starts with you. Our success depends on the unique experiences, backgrounds, and talents of our employees. And we support our employees the same way we support our customers: with comprehensive, competitive benefit offerings crafted to protect their physical, financial, and social well-being. Check out ourcareers siteto learn more about our purpose, values and benefits.

Principal is an Equal Opportunity Employer

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Posting Window

We will accept applications for 3 full days following the Original Posting Date, after which the posting may remain open or be removed based upon applications received. If we choose to post the job again, we will accept additional applications for at least 1 full day following the Most Recently Posted Date. Please submit applications in a timely manner as there is no guarantee the posting will be available beyond the applicable deadline.

Original Posting Date

8/27/2026

Most Recently Posted Date

8/27/2026

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LinkedIn Remote Hashtag

#LI-Remote