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Unum Group

Long Term Disability Benefits Specialist Trainee

Unum Group - Portland, ME

Long Term Disability Benefits Specialist Trainee




Job #654581012

Job Posting End Date: 05/24

Unum is a company of people serving people. As one of the world's leading employee benefits providers and a Fortune 500 company, Unum's financial protection benefits help protect more than 33 million working people and their families from the financial impact of illness or injury. Unum's three distinct, but similarly focused US businesses – Unum US, Colonial Life, and Starmount Life – are each a market leader in making disability, life, accident, critical illness, dental, and vision insurance accessible in the workplace.

Headquartered in Chattanooga, Tennessee, Unum has significant US operations in Portland, Maine, Worcester, Massachusetts, and Glendale, California with over 35 field offices nationwide. Colonial Life is headquartered in Columbia, South Carolina with over 40 field offices nationwide. Starmount Life is based in Baton Rouge, Louisiana, and is the dental and vision center of excellence for Unum in the US.

General Summary:This is an entry level position within the Benefits Organization. Incumbents in this role are considered trainees and are assigned a formal mentor for a minimum of 12 months. Incumbents are primarily responsible for learning and developing the skills, knowledge, and behaviors necessary to successfully adjudicate assigned claims, in accordance with our claims philosophy and policies and procedures. This position works closely with a more seasoned resource(s) to develop the skills and knowledge necessary to effectively manage a caseload as well as to appropriately provide quality service to our customers.This position participates in a multi-week formal training program prior to being assigned and released to a business unit. This position retains a structured relationship with an assigned mentor(s) for a minimum 6-month period or until they are assessed as capable of managing their assigned caseload independently. Typical assigned caseload at conclusion of formal training is between 35-40 cases. Incumbent must demonstrate the ability to effectively manage an assigned caseload of 70-80, the ability to exercise discretion and independent judgment and the ability to appropriately render claim decisions prior to movement to exempt level DBS role.Mentor review is required for all day-to-day activities and Director reviews are required on the key milestones of the claims activity.

Principal Duties and Responsibilities

Develop an understanding and working knowledge of Unum’s disability products, policies and contracts.

Develop an understanding of the applicable contract/policy definitions of disability and relevant provisions, clauses, exclusion, riders and waivers as well as statutory requirements.

Become familiar with reference materials and tools regarding medical, vocational and disability issues.

Develop an operating knowledge of the applicable disability claims system(s).

Develop basic medical and technical claims skills and an understanding of claim practices and procedures.

Develop skills, knowledge and awareness of tools & resources available to assist in developing effective RTW strategies on assigned claims.

Timely and accurate adjudication of assigned claims.

Provide excellent customer service in accordance with organizational service standards.

This position may be responsible for multiple disability lines of business as part of our integrated service model – group STD and LTD, Voluntary Benefits, IDI, Life Waiver.

May perform other duties as assigned.

Job Specifications

4-year college degree preferred or equivalent work experience.

Able to utilize claim investigative techniques to identify and evaluate claim information in a fair and objective manner.

Detail oriented; able to analyze and research contract information.

Able to hold fast to fair and appropriate decisions even in the face of disagreement while being open to reconsider previous decisions based on new information.

Demonstrated ability to make balanced decisions with the highest degree of integrity and fairness.

Able to influence others in order to reach proper and constructive conclusion. PC skills are essential; ability to operate effectively in an imaged environment.

Able to work with others in a highly collaborative team environment.

Demonstrated ability to multitask and balance goals and priorities.

Able to work effectively in a high volume environment.

Excellent customer service skills.

Able to communicate effectively both verbally and in writing.

Problem solving skills are essential.

Basic math skills are essential.

Adaptable to change.

Unum and its family of businesses offer world-class training and development, generous compensation and benefits packages, and a culture built on employee ideas.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.



A Fortune 500 company, Unum’s family of 10,000 employees spans three countries and dozens of office locations. Our employees focus each day on delivering financial protection benefits to millions of workers and their families when they need it most.

The Unum enterprise includes Unum in the U.S. and U.K., Colonial Life and Starmount Life Insurance – each a market leader in making disability, life, accident, critical illness, dental and vision insurance accessible in the workplace.

Updated 05/03/2018

18 days 8 hours ago

Unum Group


Long Term Disability Benefits Specialist Trainee Unum Group - Portland, ME, United States


Location: Portland, ME

Company Profile:
Since our founding in 1848, Unum has been known for breaking new ground in the business of benefits. Integrity, determination, innovation and leadership were at the core of our company 165 years ago, and they are just as relevant to our business today.