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LTD Specialist

Lincoln Financial Group Phoenix, AZ

Job Description

Alternate Locations: Phoenix, AZ (Arizona)

Relocation assistance is not available for this opportunity.

Requisition #55631

About the Company

Lincoln Financial Group provides advice and solutions that help empower people to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates.

The Role

Under limited supervision, conducts the review and investigation, liability determination, and management of complex disability claims. Applies the appropriate contractual provisions; legal guidelines; case management resources; and claim procedures, concepts, principles, and protocols to risk manage claims. Uses disability claim system to manage and pay claims while meeting all service, timeframe, and productions standards. Regularly exercises independent judgment in interpreting information. Forwards claims on to more senior Case Managers if the complexity of the claims exceed the responsibility and authority guidelines.

Functional Responsibilities

Consultation and Analysis

  • Conducts initial and ongoing investigations to determine whether or not to accept liability. Makes recommendations to approve or deny benefits accordingly.
  • Investigates, identifies, and communicates, all appropriate offsets. Assesses financial impact on (including but not limited to) social security, workers compensation and third parties. Forwards overpayments to HO for calculation according to protocols.
  • Continually assesses claim details to determine if claims are going to exceed case management authority guidelines.
  • Evaluates and refers appropriate claims to risk management resources such as Vocational Rehabilitation, clinical resources, Special Investigations, Social Security, and Subrogation.
  • Updates and accurately documents system and claim files on actions taken. Establishes future action plan and case direction.


  • Communicates with claimants, employers, and various medical professionals to gather information regarding the application for, payment of, and ongoing management of Long-Term Disability (LTD) benefits.
  • Responds to various written and telephone inquiries including eligibility, approval/denial determinations, status and continuation or closure of benefits.
  • Maintains the established customer service, production, and quality standards.
  • May be assigned to provide guidance and assistance to others.



  • 4 Year/Bachelors Degree or equivalent work experience (4 yrs of experience in lieu of Bachelors)


  • Minimum of 1 yr of experience in disability claims that directly aligns with the specific responsibilities for this position
  • Demonstrated decision making, communication, organizational, problem solving, negotiation and computer skills required.
  • Excellent writing, customer service, and interpersonal skills necessary.
  • Extensive knowledge of disability claim management, either in short-term or long-term disability insurance, and medical terminology required.
  • A demonstrated track record of consistently meeting and/or exceeding performance expectations
  • Possesses a bias for action and avoids workplace distractions
  • Drives performance targets to completion

This position may be subject to Lincolns 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 Lincolns 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.

Job Details

Date Posted July 10, 2018
Date Closes August 9, 2018
Requisition 55631-en_US
Located In Phoenix, AZ
Department Insurance Claims
SOC Category 00-0000.00