Long Term Disability Claims Specialist II

MetLife; United States; On-site; USD 42,000 - 63,000; Full time

Job summary

MetLife’s Global Customer Service and Operations team seeks a Long-Term Disability Claims Specialist II to evaluate and manage complex claims across the United States. You will make timely, balanced determinations, document outcomes, and ensure compliance with regulatory requirements while delivering compassionate customer support.

You will collaborate with claimants, physicians, attorneys, and internal partners, using critical thinking and AI-assisted tools to navigate difficult cases and

Qualifications

• High school diploma required; December 14, 2026 start date.
• 1+ years of LTD/IDI disability experience.
• Strong critical thinking, analysis, and independent decision-making.
• Excellent communication, collaboration, and stakeholder management.
• Experience using AI in a professional setting.

Responsibilities

• Lead evaluation and management of moderately complex long term disability claims.
• Create detailed claim documentation and determinations reflecting policy and regulations.
• Oversee claim evaluation with medical, occupational, and financial data for compliant outcomes.
• Manage an assigned caseload with service standards and KPI targets.
• Develop return-to-work plans and request additional information when needed.
• Coordinate with claimants, physicians, attorneys, and internal partners.

Skills

Critical thinking

Communication

Collaboration

Time management

AI in workplace

Education

High school diploma

Bachelor's degree

Job description

On MetLife’s Global Customer Service and Operations (GCSO) team, customer care is built on trust, empathy, and a commitment to continuous improvement. Whether guiding customers through life’s important moments, solving challenges, or simplifying processes with innovative technology, you’ll help deliver a differentiated experience grounded in operational excellence. Backed by a collaborative team, you’ll play a vital role in strengthening the way we care and advocate for millions worldwide. Here, making a real difference isn’t just a goal - it’s what we do, one conversation at a time.

The Opportunity

The Long-Term Disability Claims Specialist II is responsible for evaluating and managing long term disability claims, making timely and accurate claim decisions, and delivering a responsive and supportive customer experience that helps MetLife serve customers with care and confidence across the United States. Guided by our purpose – always with you building a more confident future – and our New Frontier strategy focused on stronger growth, attractive returns and all-weather performance, this is an exciting opportunity to make a meaningful impact during important moments in customers’ lives. In this role, the applicant will use independent judgment, critical thinking, and collaboration skills to navigate complex claim situations, contribute to fair and balanced outcomes, and support MetLife’s commitment to service excellence.

Key Responsibilities

• Lead the evaluation and management of moderately complex long term disability claims, using independent judgment to make timely, balanced, and accurate claim decisions.
• Create clear, detailed, and accurate claim documentation, correspondence, and written determinations that reflect policy provisions, regulatory requirements, and claim status updates.
• Oversee the claim evaluation process by reviewing medical, occupational, financial, and policy information to ensure thorough, reasonable, and compliant determinations.
• Manage an assigned caseload of pending and ongoing claims with minimal oversight while maintaining service standards, inventory control, and consistent performance against key indicators.
• Develop action plans and identify return-to-work potential by analyzing claim information, clarifying inconsistencies, and determining when additional information or escalation is needed.
• Coordinate communication and collaboration with claimants, representatives, physicians, attorneys, brokers, family members, and internal partners to gather needed information and support sound claim outcomes.

Required Qualifications

• Ability to start on December 14th, 2026
• High school diploma
• 1+ years of LTD/IDI disability experience
• Critical thinking, analysis, and sound judgment to review available facts, assess risk, use independent decision-making, and determine appropriate next steps in complex claim situations. Strong communication, customer service, and collaboration skills, with the ability to manage interactions effectively across internal and external partners in both verbal and written settings.
• Experience utilizing AI in a professional setting.
• Creative problem-solving, conceptual thinking, risk awareness, and strong organizational and time management skills to handle complex situations effectively and maintain a consistent workload.

Preferred Qualifications

• Bachelor’s degree
• 2+ years of LTD or IDI disability experience

The expected salary range for this position is $41,600 - $62,500. This role may also be eligible for annual short-term incentive compensation. All incentives and benefits are subject to the applicable plan terms.

Benefits We Offer

Our U.S. benefits address holistic well-being with programs for physical and mental health, financial wellness, and support for families. We offer a comprehensive health plan that includes medical/prescription drug and vision, dental insurance, and no-cost short- and long-term disability. We also provide company-paid life insurance and legal services, a retirement pension funded entirely by MetLife and 401(k) with employer matching, group discounts on voluntary insurance products including auto and home, pet, critical illness, hospital indemnity, and accident insurance, as well as Employee Assistance Program (EAP) and digital mental health programs, parental leave, paid time off, paid holidays, volunteer time off, tuition assistance and much more! For more information regarding MetLife’s U.S. benefits, please click here.

About MetLife

Recognized on Fortune magazine's list of the "World's Most Admired Companies", Fortune World’s 25 Best Workplaces™, as well as the Fortune 100 Best Companies to Work For®, MetLife, through its subsidiaries and affiliates, is one of the world’s leading financial services companies; providing insurance, annuities, employee benefits and asset management to individual and institutional customers. With operations in more than 40 markets, we hold leading positions in the United States, Latin America, Asia, Europe, and the Middle East.

As part of our New Frontier strategy, MetLife is building an AI-enabled, people-centered future. We’re looking for people who bring curiosity, adaptability, and a growth mindset as we use AI to enhance how we serve customers, support communities, and evolve the way work gets done. At MetLife, AI is a responsible partner that supports human judgment, creativity, and continuous improvement while helping us build trust, inclusion, and long-term value.

Our purpose is simple - to help our colleagues, customers, communities, and the world at large create a more confident future. United by purpose and guided by our core values - Win Together, Do the Right Thing, Deliver Impact Over Activity, and Think Ahead - we’re inspired to transform the next century in financial services. At MetLife, it’s #AllTogetherPossible. Join us!

MetLife is an Equal Opportunity Employer. All employment decisions are made without regards to race, color, national origin, religion, creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, marital or domestic/civil partnership status, genetic information, citizenship status (although applicants and employees must be legally authorized to work in the United States), uniformed service member or veteran status, or any other characteristic protected by applicable federal, state, or local law (“protected characteristics”).

If you need an accommodation due to a disability, please email us at [e-mail]. This information will be held in confidence and used only to determine an appropriate accommodation for the application process.

MetLife maintains a drug-free workplace.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liabilities.

This posting is for a current vacancy and is anticipated to remain open for at least 90 days from the listed posting date.