Senior IDI Claims Specialist - Virtual 4/6/26

Description and Requirements
Role Value Proposition:
At MetLife, we seek to make a meaningful impact in the lives of our customers and our communities. The IDI Senior Claims Specialist evaluates individual disability income insurance claims and makes claims decisions in accordance with policy provisions and within prescribed time service standards. In this role, the IDI Senior Claims Specialist is required to exercise discretion and independent judgment and critical thinking skills and demonstrate exemplary customer services skills as well as effective.
Key Responsibilities:

• Effectively and independently manages an assigned caseload of, and make claims decisions on, moderately complex claims which consists of pending, ongoing, and appeal reviews.
• Provides timely, balanced, and accurate claims reviews, documentation, and decisions in a time sensitive and fast-paced environment and in accordance with state and department of insurance regulations.
• Serve as the face of the company in providing frequent, proactive verbal communication with our claimants, customers and/or their representatives demonstrating empathy and active listening while providing clear updates, direction and explanations regarding the claim process, benefits, and other pertinent policy provisions. These calls are used to gather essential details regarding medical condition(s) and treatment, occupational demands, financial information, and any other information that may be pertinent to the Claims Specialist's evaluation of the claim. Once telephone calls are completed, you will be required to document the conversation within the claim file in a timely manner utilizing the appropriate level of detail and professional writing skills.
• Interacts and communicates effectively with claimants, customers, health care providers, attorneys, brokers, and family members during the Claim Specialist's claim evaluation.
• Compiles file documentation and correspondence requiring extensive policy analysis and factual detail. Analyzes information to determine if additional information is needed to make a reasonable and logical claims determination based off the information available.
• Collaborates with both external and internal resources, such as physicians, attorneys, vocational consultants, and CPAs to gather data such as medical/occupational information to ensure the Claims Specialists claim decisions are well-reasoned and thorough.
• Identifies, clarifies, and reconciles inconsistencies when gathering information during claim evaluations and collaborates with underwriting and Fraud Waste and Abuse resources as needed.
• Identifies offsets and proficiently calculates monthly benefits due after elimination period, to include COLA, Social Security Offsets, Residual Disability, and non-routine payments.
• Provides timely and detailed written communication during the claim evaluation, which outlines and support the status of the evaluation and/or claim determination.
• Addresses and resolves escalated customer complaints in a timely and thorough manner, including drafting written responses to Department of Insurance and Presidential complaints. Identifies and refers appropriate matters to litigation support partners.
• May represent MetLife at depositions and trials.

Essential Business Experience and Technical Skills:
Required:

• Prior experience with independent judgement and decision making.
• Critical thinking and analysis skills when reviewing information.
• Creative problem-solving abilities when working in grey areas and the ability to think outside the box.
• Excellent interpersonal and communication skills in both verbal and written form.
• Excellent customer service skills proven through internal and external customer interactions.
• Demonstrated conceptual thinking, risk management, ability to handle complex situations effectively.
• Organizational and time management skills.
• Ability to effectively manage multiple systems and technology sources.
• 2+ years of IDI or LTD insurance claims experience.

Preferred:

• Bachelor's degree

The expected salary range for this position is $70,000 - $85,000. 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, volunteer time off, tuition assistance and much more!
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.
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 [email protected]. 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.
$70,000 - $85,000