Long Term Disability Analyst

Sr Ability Analyst - C409AN Ability Specialist - C409BN We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.           Selected applicants will be considered for a start date of 11/02/26. The Senior Ability Analyst is responsible for investigating and managing long-term disability claims to make timely, accurate, and customer ‑focused benefit determinations.   This role partners closely with customers, medical providers, employers, and internal stakeholders to evaluate eligibility, support recovery, and facilitate a safe and responsible return to work when appropriate. Using medical, vocational, financial, and functional information, the Senior Ability Analyst manages claims through initial and ongoing decision points while adhering to corporate claim standards, policies, procedures, and all applicable statutory, regulatory, and ethical requirements. Claim complexity may vary based on experience and business needs and may include working with customers experiencing behavioral health conditions, complex medical diagnoses, or terminal illness. The Senior Ability Analyst supports the organization’s mission of helping customers rebuild their lives after an unexpected illness or event by delivering empathetic service, sound decision ‑ making, and consistent claim management throughout the long-term disability lifecycle.

Investigate and manage long ‑ term disability claims by gathering and evaluating information from claimants, employers, and medical providers. Analyze medical, vocational, financial, and claim ‑ related information to support accurate initial and ongoing benefit determinations. Guide customers through the disability and recovery process, focusing on functional abilities, clear expectations, and supportive communication. Maintain professional written and verbal communications with internal and external partners to deliver timely, customer ‑ centered outcomes. Apply critical thinking, sound judgment, and analytical reasoning to assess risk, resolve issues, and make consistent claim decisions. Collaborate effectively in a fast ‑ paced, team ‑ based environment to retrieve, evaluate, and relay claim ‑ related information. Leverage technology responsibly to manage claims efficiently, understand the role of technology while applying appropriate judgement, remain aware of potential risks, and support quality outcomes. Demonstrate empathy and emotional intelligence when navigating difficult conversations and complex situations. Adapt to change, learn new concepts and tools, and support continuous improvement in an evolving business environment. Understand how claim decisions interact with other benefit programs to anticipate customer needs and provide accurate guidance.

High School Diploma or GED required; Associate or Bachelor’s degree preferred but not required. 1+ years of customer service experience preferred but not required. Medical, clinical, or vocational background is a plus but not required. Proficiency with Microsoft Office and the ability to navigate multiple systems simultaneously. Strong time management and organizational skills, with the ability to manage competing priorities. Ability to work effectively in a structured and collaborative team environment.

This role can have a Hybrid or Remote work arrangement.  Candidates who live near one of our offices ( San Antonio, TX; Lake Mary, FL; Naperville, IL; Hartford, CT, Alpharetta, GA, Scottsdale, AZ) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise. Only