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.
You will
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
You have
4-year college degree preferred or equivalent work/education experience
STD claim management experience preferred or other previous Group insurance experience
Regulatory and Compliance experience is a plus
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
Reporting Relationship
This position reports to a Team Leader, SDT
Location /Travel
Remote/Flexible – work primarily from home. May be expected to come into a Guardian work location occasionally, as determined by their people leader.
Occasional 0-10% Travel
Salary Range
$39,370.00 – $59,050.00
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
Justice, Equity, Diversity & Inclusion (J.E.D.I.)
Employee Resource Groups that advocate for inclusion and diversity
J.E.D.I. certification and training programs
Matching gifts/volunteering
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.
Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. 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 [email protected] .
Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .
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