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Long Term Disability Specialist II

Lincoln Financial Group Dover, NH

Job Description





Alternate Locations: Dover, NH (New Hampshire)


Relocation assistance is not available for this opportunity.


Requisition #55469


About the Company

Lincoln Financial Group, a Fortune 250 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas — Life Insurance, Annuities, Retirement Plan Services and Group Protection — focus on supporting, preserving and enhancing over 17 million customer’s lifestyles and retirement outcomes.   

Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $253 billion in assets under management as of December 31, 2017.  Ranked one of the Best Large Employers in America by Forbes magazine, Lincoln Financial Group makes a serious investment in our employees’ futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.



Lincoln Financial Group is searching for a Long- Term Disability Specialist to join our Social Security Advocacy Team (SSAT).  In this role, you will be responsible for the continued management of a caseload of approved long- term disability claims referred by our field operations.  These claims are pended for Social Security benefits and may require Change in Definition evaluations.  You will be responsible for reviewing, investigating and determining the appropriate disposition of assigned claims by: interpreting and applying appropriate contract terms/provisions; and, following ERISA/statutory legal guidelines and case management procedures.  In addition, you will regularly exercise independent judgment in interpreting information and engaging expert resources, and use the disability claim system to manage and pay claims while meeting all service, timeframe, and productions standards.  Specific claims may require extensive interactions with claimants, policyholders, attorneys, and other interested third parties.  As well as the requisite technical skills, the ideal candidate will demonstrate the ability to efficiently handle a high-volume caseload, and support continuous improvement initiatives to more efficiently and effectively manage claims.



  • Manage a high-volume inventory (approximately 450) of referred claims to determine appropriate course of action, using expert resources and an in-depth understanding of LTD claims management principles to make the appropriate determination.
  • Establish action plans for claims based on case facts, best practices, protocols, regulatory issues and available resources, while following established case management practices.  Document claim files with actions taken.
  • Evaluate and refer appropriate claims to risk management resources such as Vocational Rehabilitation, Managed Care, Fraud, Social Security, and Subrogation.
  • Respond to various written and telephone inquiries including eligibility, approval/denial determinations, status and continuation or closure of benefits.
  • Communicate with claimants, employers, attorneys, and various medical professionals regarding the ongoing management of assigned claims.
  • Articulate verbally and in writing the rationale for eligibility determinations with claimants and employers, and set ongoing expectations throughout the claim duration.
  • Calculate the liability for each claim applying all appropriate offsets such as social security, workers compensation and third parties.
  • Identifies over/underpayments, promptly notifies claimant and makes appropriate referral to FRS for calculation
  • Manages claims within multiple funding arrangements.
  • Ensure Performance Guarantees are met.
  • Conduct supplemental investigation on LTD claims and makes determinations based on contractual change in definition of disability.
  • Negotiate settlement within authority limits; escalate to team manager as appropriate.  




  • Bachelors degree or equivalent experience, and 1-3+ years’ relevant business experience.
  • Knowledge of insurance, medical terminology, and case management in same or LTD experience is preferred.
  • Solid understanding of ASO and Fully-Insured claims, as well as familiarity with scheduled payments, offsets, and deductions related to disability benefits preferred.
  • Excellent organization/planning, and judgment skills to manage a varied, high-volume workload and competing priorities.
  • Demonstrated ability to exercise good judgment and negotiation skills in the evaluation and resolution of claims.
  • Excellent written and verbal communication skills to provide information in a clear, concise and diplomatic manner with diverse audiences.
  • Analytical skills to gather information, analyze facts, and make recommendations based upon information collected.
  • Demonstrated ability to independently manage a caseload through effective time management and awareness of priorities.
  • Good working knowledge of Microsoft Office Suite applications, to include Word, Excel, and PowerPoint. #L!-AY1



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.

Lincoln Financial Group (“LFG”) 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 (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information.  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 260-455-2558.


This Employer Participates in E-Verify. See the E-Verify notices.  


Este Empleador Participa en E-Verify. Ver el E-Verify avisos. 




Job Details

Date Posted June 26, 2018
Date Closes July 26, 2018
Requisition 55469-en_US
Located In Dover, NH
Department Customer Service
SOC Category 00-0000.00