Long Term Disability Claims Advisor - Remote Opportunities Available!

Lincoln Financial; United States; Remote; USD 45,000 - 81,000; Full time

Job summary

Lincoln Financial Group is seeking an experienced Long-Term Disability (LTD) Claims Examiner for a 100% remote role in the United States. You will independently manage LTD claims from intake to resolution, communicating with claimants, employers, and medical professionals to gather information and make informed decisions.

You will interview claimants, review medical documentation with clinical and vocational experts, and ensure timely, ethical determinations aligned with company guidelines and

Qualifications

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's).
• 1+ Years of long-term disability claims experience directly aligned with the specific responsibilities for this role.
• Strong written and verbal communication skills.
• Excellent organization skills with the ability to multi-task.

Responsibilities

• Independently manage a caseload of Long-Term Disability (LTD) claims from intake through resolution, coordinating with claimants, employers, and medical professionals via phone and email.
• Conduct initial and ongoing interviews with claimants to gather information and review medical documentation with clinical and vocational experts to support decisions.
• Deliver timely and ethical claim determinations in line with guidelines and regulatory standards.
• Collaborate with case managers, nurse case managers, vocational specialists, and consulting physicians to support appropriate determinations.
• Review complex medical records and use tools to determine claim durations and guide action planning throughout the lifecycle.
• Provide excellent customer service by identifying needs and building strong relationships with claimants, employers, and internal partners.

Skills

Written communication

Verbal communication

Multitasking

Organizational skills

Education

Bachelor's degree or equivalent

Job description

Alternate Locations:

Work from Home; Charlotte, NC (North Carolina); Omaha, NE (Nebraska); US All Regions

Work Arrangement:

Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance:

is not available for this opportunity.

Requisition #:

76860

The Role at a Glance

We're looking for a driven and compassionate experienced Long-Term Disability (LTD) Claims Examiners to join our growing team in a 100% remote environment. In this role, you'll make a meaningful impact-helping individuals navigate some of life's most challenging moments while delivering fair, timely, and thoughtful claim decisions.

At Lincoln, you'll partner with some of the most respected clients in the industry, contributing to solutions that set the standard for quality, innovation, and customer experience. You'll thrive in a high-performance, collaborative environment where your expertise is valued, and your work truly matters. If you enjoy working in a fast-paced team environment, then please read on!

Why should you join our team?

• Make a meaningful impact - Support individuals through life's most critical moments by delivering thoughtful, fair, and timely claim decisions.
• Join a high-performing, respected team - Be part of a collaborative environment known for best-in-class audit performance and operational excellence.
• Grow your career with purpose - Develop your expertise in a supportive environment that values continuous learning, professional growth, and advancement.
• Thrive in an innovative environment - Work within a dynamic team that embraces change, drives continuous improvement, and is shaping the future of claims.

What you'll be doing

• You will independently manage a caseload of Long-Term Disability (LTD) claims from intake through resolution, partnering with claimants, employers, and medical professionals via phone and email to gather and assess information related to disability status and applicable state and federal benefits.
• You will conduct initial and ongoing interviews with claimants to gather key information for claim evaluation, while reviewing medical documentation and partnering with clinical and vocational experts to support informed decisions.
• You will deliver timely and ethical claim determinations, ensuring consistency with company guidelines and regulatory standards.
• You will collaborate with case managers, nurse case managers, vocational specialists, and consulting physicians to support appropriate, ethical, and timely claim determinations.
• You will review complex medical records and leverage a variety of tools and resources to determine appropriate claim durations and guide ongoing action planning throughout the claim lifecycle.
• You will deliver exceptional customer service by proactively identifying needs and opportunities, while building strong relationships with claimants, employers, and internal partners.

What we're looking for

Must-have experience (Required):

• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's).
• 1+ Years of long-term disability claims experience directly aligned with the specific responsibilities for this role.
• Strong written and verbal communication skills.
• Excellent organization skills with the ability to multi-task.

Nice-to have Experience (Preferred):

• Experience mentoring or coaching newer examiners.
• Continuous improvement mindset (process optimization, efficiency, quality).
• Exposure to predictive analytics / AI tools.

Application Deadline

Applications will be accepted through November 27th, 2026, and posting may come down earlier due to applicant volume.

What's it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What's in it for you:

• Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
• Leadership development and virtual training opportunities
• PTO/parental leave
• Competitive 401K and employee benefits
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

The pay range for this position is $44,800 - $81,400 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln's total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln's standard benefits package.

This position may be subject to Lincoln's Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln's current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling [phone].

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