Sr Long Term Disability Claims Specialist

MetLife; United States; On-site; USD 58,000 - 69,000; Full time

Benefits offered by this job

Health plan

Life insurance

401(k) with match

Paid time off

Parental leave

Job summary

MetLife's Global Customer Service and Operations team seeks a Senior Long-Term Disability Claims Specialist to evaluate moderately complex LTD claims with independent judgment and customer focus across the United States.

You will collaborate with physicians, attorneys, and vocational consultants, deliver timely determinations, document thoroughly, and communicate clearly with claimants and providers; contributing to quality, risk management, and service standards.

Qualifications

• 3+ years of LTD Insurance Claims experience.
• Strong analytical and communication skills with customer focus.

Responsibilities

• Lead timely, accurate LTD claim evaluations and decisions per plan provisions.
• Create thorough claim documentation supporting determinations.
• Oversee evaluations by reconciling inconsistencies and escalating when needed.
• Manage communications with claimants, providers, attorneys, and advisors.

Skills

LTD claims experience

Analytical thinking

Customer service

Communication skills

Education

Bachelor's degree in related field

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.

Senior Long-Term Disability (LTD) Claims Specialist is responsible for evaluating long term disability insurance claims—delivering timely, balanced, and accurate claim decisions and customer support in accordance with plan provisions, regulatory requirements, and prescribed service standards—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 manage a caseload of moderately complex LTD claims from initial review through ongoing management and appeals. You will apply independent judgment and critical thinking to analyze medical and occupational information, collaborate with internal and external partners (e.g., clinical and vocational consultants, physicians, attorneys), and resolve escalations with exemplary customer service. Your work helps ensure fair, consistent outcomes for customers while supporting MetLife’s commitments to quality, risk management, and operational excellence.

Key Responsibilities

• Lead timely, and accurate LTD claim evaluations and decisions in accordance with plan provisions,
• Create thorough claim documentation and correspondence by analyzing medical, occupational, financial, and policy information to support well‑documented determinations.
• Oversee claim evaluations by identifying and reconciling inconsistencies, leveraging Fraud, Waste and Abuse resources, and resolving escalated customer concerns while referring matters to appeals, complaints, or litigation support as needed.
• Manage communication with claimants, customers, providers, attorneys, brokers, and family members by delivering clear, timely updates on claim status, determinations, and complex benefit calculations.

Coordinate with internal and external partners, including physicians, attorneys, vocational consultants, and CPAs, to obtain and evaluate information required for thorough and defensible claim decisions.

Required Qualifications

• 3+ years of LTD Insurance Claims experience
• Creative problem-solving abilities and the ability to think outside the box with independent judgement and decision making while relying on the available facts with the use of critical thinking and analysis when reviewing the information. Excellent interpersonal and communication skills in both verbal/written form and excellent customer service skills proven through internal/external customer interactions with demonstrated conceptual thinking, risk management, ability to handle complex situations effectively with organizational and time management skills

Preferred Qualifications

• Bachelor’s degree and knowledge of STD/FML, state leave laws, worker’s compensation, ERISA, and Social Security

The expected salary range for this position is $58,000- $69,000. 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.