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Short Term Disability Claims Case Manager I - Remote - United States

The STD Claims Case Manager I (CM) is responsible for administering and medically managing Group Short Term Disability claims with specific diagnoses that tend to resolve quickly. The CM will manage the claim according to the plan provisions, state and federal guidelines, and established protocols.  The CM must demonstrate the knowledge to work independently, interpret contract provisions, and utilize critical thinking skills for medical management to administer benefits through the appropriate claim duration or return to work. The CM is responsible for meeting key service deliverables such as turnaround times, quality assurance, and overall customer experience. 

This position utilizes problem solving and analytical, written, and verbal communication skills to ensure timely and appropriate disability claim decisions while providing superior customer service to all internal and external customers.  This position will review claims for Short Term Disability and requires consistent and effective claim management skills to succeed in a collaborative, team-oriented culture with a goal to drive positive claim outcomes. 

Candidate Responsibilities

  • Effectively understand contract language and plan design for group disability
  • Communicate claim status and decisions via telephone and in writing 
  • Initiate communications to claimant, physician, and planholder to assess and facilitate job accommodation opportunities
  • Proactive outreaches to claimants, planholders, and physicians via telephone for information needed for initial and ongoing claim management (e.g. current earnings, other income benefits, medical information, etc.); notifies claimants when claims are pended for missing information
  • Proactively develop and execute an appropriate plan of action for pending and ongoing disability claims assigned by utilizing, managing and directing appropriate resources. Conduct timely and accurate benefit determination in accordance with policy provisions and regulatory and internal standards while providing sound customer service to all internal and external customers
  • Investigate and analyze claim information in conjunction with contract provisions to determine coverage and benefit eligibility
  • Recognize and adapt to fast-paced environment
  • Determine if claimants meet the definition of disability as defined in the contact by reviewing occupational level and analyzing medical information
  • Establish, document and execute claim action plan and recommended path including return to active work at claimant’s own job
  • Determine Insured Earnings by reviewing payroll information from the planholder; then, calculate payable benefits according to plan provisions
  • Follow all claim management procedures and facilitate potential return to work and job accommodation opportunities when applicable
  • Utilize claim management resources such as MDA (Medical Disability Guidelines) and other disability tools to assist with appropriate durational disability
  • Assess claim when other sources of income are received (e.g., social security, state disability, etc.,) to ensure accurate offsets are applied and recalculate benefits, as needed, to determine under/overpayments.   Proactively work with claimants to recover overpayments in full or negotiate monthly installments according to established protocols
  • Assess claim for restrictions and limitations to establish appropriate partnership with PRT

Reporting Relationships

  • This position reports to a Team Leader, STD.

Functional Skills

  • Outstanding customer service
  • Excellent analytics 
  • Strong math aptitude
  • Ability to manage multiple priorities and meet departmental turnaround times
  • Demonstrate independent problem solving and decision-making ability
  • Ability to clearly communicate claim decisions and contract language verbally and in written correspondence
  • Ability to multi-task, balance goals and prioritize
  • Ability to work independently and within a highly collaborative team environment
  • Read and interpret medical information
  • Strong skillset in Microsoft Windows applications (e.g., Microsoft Word, Excel, Outlook)
  • Effective and efficient time management

Leadership Behaviors

  • Continuously strives to achieve superior results
  • Expresses oneself in a confident and trustworthy manner
  • Demonstrates a sense of urgency in a fast-paced work environment
  • Demonstrates the ability to adapt to change

Position Qualifications

  • 4-year college degree preferred or equivalent work/education experience
  • STD claim management experience preferred or other equivalent work experience
  • Regulatory and Compliance experience is a plus

Travel

  • Very minimal travel, only as needed

Salary Range

$40,160.00 - $60,237.50

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals.  Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

Health Care

  • Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits

  • Dental plan

  • Vision plan

  • Health care accounts – flexible spending, health reimbursement, and health savings accounts

  • Critical illness insurance

Life and Disability Insurance

  • Company-paid Life and Disability insurance plus voluntary supplemental coverage

  • Accident insurance

Retirement and Financial

  • 401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable

  • Complimentary 1:1 financial guidance with a licensed Fidelity representative

Time Off and Remote Work

  • Flexible work arrangements (part in-person/part remote)

  • Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement

  • Personal holidays for colleagues to use in recognition of religious, cultural, or civic days

  • Paid parental leave and paid family and medical leave policies

Emotional Well-being and Work-Life

  • Emotional well-being, mental health, and work/life resources powered by Spring Health

  • Wellness programs, including fitness program and equipment reimbursement

  • Child, adult, and elder back-up care support through Bright Horizons

  • Adoption assistance

  • College planning

  • Tuition reimbursement

  • Student loan assistance

  • Commuter benefits in select metropolitan areas

Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact applicant_accommodation@glic.com.

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Job Profile

Regions

North America

Countries

United States

Benefits/Perks

Ability to manage multiple priorities Clear communication Critical illness insurance Dental plan Excellent analytics Health Care Health care accounts Independent problem solving Leadership development Life and Disability insurance Outstanding customer service Paid parental leave Strong math aptitude Vision Plan

Skills

Analytical Communication Critical thinking Customer service Leadership Medical Management Problem-solving Verbal communication

Tasks
  • Administer Short Term Disability claims
  • Assess claim for restrictions and limitations
  • Calculate payable benefits
  • Communicate claim status
  • Determine benefit eligibility
  • Develop and execute claim action plan
  • Establish and document claim action plan
  • Facilitate return to work opportunities
  • Initiate communications for job accommodation opportunities
  • Interpret contract provisions
  • Investigate and analyze claim information
Timezones

America/Anchorage America/Chicago America/Denver America/Los_Angeles America/New_York Pacific/Honolulu UTC-10 UTC-5 UTC-6 UTC-7 UTC-8 UTC-9