Company: USAble Life
Employment Type: Full-Time
Department: Claims
Salary Range:
- Claims Examiner I: $39,000 – $58,000 annually
- Claims Examiner II: $44,000 – $65,000 annually
- Sr. Claims Examiner: $49,000 – $73,000 annually
Location: Remote (U.S.)
About the Role
USAble Life is seeking Short Term Disability Claims Examiners at various levels (I, II, Sr) to process, review, and adjudicate disability claims with accuracy, empathy, and efficiency. This role is ideal for professionals with prior Short Term Disability claims experience who excel at communication, problem-solving, and delivering exceptional service. As part of our award-winning, collaborative culture, you’ll have opportunities for career growth, professional development, and community engagement.
Key Responsibilities
Responsibilities vary by level of position and increase in complexity from Examiner I to Sr. Examiner.
Claims Examiner I
- Review claim information for accuracy, completeness, and active coverage
- Contact claimants, policyholders, or medical providers for additional details
- Compose and send professional correspondence to insureds, groups, and providers
- Document all actions taken with thorough explanations and recommendations
- Analyze claim data and adjudicate according to policy provisions
- Maintain daily workload inventory
Claims Examiner II (in addition to Examiner I duties)
- Handle claims with increasing complexity
- Perform claim file set-up and enter data into claims processing systems
- Ensure all documentation meets quality standards
- Support less experienced examiners
Sr. Claims Examiner (in addition to Examiner II duties)
- Manage the most complex claims from review through adjudication
- Mentor and coach junior team members
- Lead by example in compliance, accuracy, and service excellence
Qualifications
Required for All Levels
- Experience with Short Term Disability claims
- Knowledge of diagnosis/procedure codes and medical terminology
- Proficiency in Microsoft Office
- Excellent written and verbal communication skills
- Strong organizational skills and attention to detail
- Ability to multitask, prioritize, and meet deadlines
Education & Experience by Level
- Examiner I: Associate degree or equivalent experience; 1–3 years customer service experience
- Examiner II: Associate degree or equivalent; 1–3 years as a Claims Examiner
- Sr. Examiner: Associate degree or equivalent; 3–5 years claims experience; LOMA 280/281 and 290/291 within 18 months of hire
Preferred Qualifications
- Bachelor’s degree (business or related field)
- LOMA courses 280/281 and 290/291 completed
- Medical coding experience
- Experience with FINEOS or other claims systems
Benefits
- PTO available from date of hire
- 11 paid holidays annually
- Annual bonus potential and salary increases
- 401(k) with up to 6% match, fully vested from day one
- Tuition reimbursement and professional development
- Company-provided remote work equipment
- Inclusive culture with Employee Resource Groups and an Inclusion Council
- Employee Assistance Program, recharge days, and volunteer time off