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Disability Claims Examiner Jobs (NOW HIRING)

Prudential

Disability Claims Examiner - LTD

Newark, NJ · Remote

$53K - $88K/yr

The Team You will be part of the Long-Term Disability (LTD) Claims team which is part of our Group Insurance Business. We have Long-Term Disability teams based out of New Jersey, Maine, and Arizona ...

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Disability Claims Examiner information

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How much do disability claims examiner jobs pay per hour?

As of Jul 14, 2026, the average hourly pay for disability claims examiner in the United States is $29.40, according to ZipRecruiter salary data. Most workers in this role earn between $22.36 and $35.10 per hour, depending on experience, location, and employer.

What is a Disability Claims Examiner job?

A Disability Claims Examiner is responsible for reviewing and evaluating disability claims to determine eligibility for benefits. They analyze medical records, work history, and other documentation to ensure claims meet policy or government guidelines. Examiners may consult with medical professionals and claimants to gather additional information. Their role is essential in ensuring fair and accurate disability benefit determinations.

What are the key skills and qualifications needed to thrive in the Disability Claims Examiner position, and why are they important?

To thrive as a Disability Claims Examiner, you need a solid understanding of insurance policies, medical terminology, and claims adjudication processes, typically supported by a relevant bachelor’s degree or equivalent experience. Familiarity with claims management software, electronic documentation platforms, and sometimes certifications like Associate in Claims (AIC) is highly valued. Attention to detail, analytical thinking, clear communication, and strong organizational skills are critical soft skills for success in this field. These abilities ensure accurate claim assessments, timely processing, and effective collaboration with clients and medical professionals.

How to get a job as a claims examiner?

To become a claims examiner, typically you need a high school diploma or equivalent, with some positions requiring a bachelor's degree in fields like healthcare, law, or business. Relevant skills include attention to detail, knowledge of insurance policies, and proficiency with claims processing software; obtaining industry certifications can also improve job prospects.

What are some typical challenges Disability Claims Examiners face in their role?

Disability Claims Examiners often encounter the challenge of interpreting complex medical records and ensuring that all documentation is thorough and compliant with policy guidelines. Balancing a high volume of claims while maintaining accuracy and fairness can be demanding, especially when evaluating borderline or disputed cases. Examiners also need to communicate professionally with claimants, health care providers, and sometimes legal representatives, requiring strong interpersonal skills. Successfully managing these challenges helps build expertise, opening doors to advancement opportunities such as senior examiner, team lead, or supervisory roles.

What does a disability examiner do?

A disability examiner reviews claims from individuals applying for disability benefits, assessing medical records, work history, and other evidence to determine eligibility. They often work with healthcare providers and use specialized software to evaluate the severity of disabilities and ensure compliance with regulations.

How much do claims examiners make in the US?

Claims examiners in the United States typically earn a median annual salary of around $45,000 to $65,000, depending on experience, location, and employer. Those working as disability claims examiners may see salaries ranging from approximately $40,000 to $70,000 annually, with additional benefits and opportunities for advancement.

How to become a disability examiner?

To become a disability examiner, candidates typically need a bachelor's degree in health, law, or a related field, along with experience in medical or legal review. Certification or training in disability evaluation processes is often required, and strong analytical and communication skills are essential for assessing claims accurately.
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Disability Claims Examiner jobs near you
Disability Claims Examiner - LTD

Disability Claims Examiner - LTD

Prudential Financial, Inc.

Newark, NJ • On-site

$53K - $88K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 22 days ago

Prudential rating

8.7

Company rating: 8.7 out of 10

Based on 48 frontline employees who took The Breakroom Quiz

66th of 281 rated insurance

Job description

Job Classification:
Operations - Insurance Operations
Job Description
Prudential is a company of smart, ambitious professionals working together across a multitude of disciplines. Together, we are building a better financial future for our customers and our communities around the globe. At Prudential, we understand that a company is only as good as its people. This simple fact is central to all that we do.
The Team
You will be part of the Long-Term Disability (LTD) Claims team which is part of our Group Insurance Business. We have Long-Term Disability teams based out of New Jersey, Maine, and Arizona as well as fully remote teams.
The Role
The Long-Term Disability (LTD) Disability Claims Examiner is responsible for providing excellent customer service while managing an assigned block of around 95 to 100 Long-Term Disability claims. You will be expected to utilize judgment and assess risk as you work with various business partners to render claim decisions. As a claim manager you will partner with medical and vocational resources to evaluate disability and support return to work goals. Additional responsibilities include:
  • Deliver an exceptional customer experience that serves to differentiate Prudential from our competitors and ensures that customer commitments and deliverables are achieved.
  • Communication via telephone, email, and text with employees, employers, attorneys, and others.
  • Review and interpret medical records, utilizing resources as appropriate.
  • Complete financial calculations
  • Gain an understanding and working knowledge of the Prudential claim system, policies, procedures, and contracts as well as regulatory and statutory requirements for claim products administered.
  • Apply contract/policy provisions to ensure accurate eligibility and liability decisions.
  • Demonstrate and apply analytical and critical thinking skills.
  • Verify on-going liability and develop strategies for return-to-work opportunities as appropriate.
  • Document objective, clear and technical rationale for all claim determinations and demonstrate the ability to effectively communicate claim decisions to our customers via oral and written communication.
  • Leverage a broad spectrum of resources, materials, and tools to render claims decisions.
  • Provide timely and exceptional customer experience by paying appropriate claims accurately and timely, responding to all inquiries and maintaining expected service and quality standards.
  • Work within a fast-paced environment, with tight deadlines and the ability to balance multiple priorities.
  • Work independently as well as within a team structure.

What You'll Need to Succeed:
  • 2 years minimum of prior Long Term Disability Claim Management or highly relevant experience required
  • Exceptional customer service skills
  • Proven skills in positive and effective interaction with challenging customers
  • Strong written and oral communication skills demonstrated in previous work experience (preference for bilingual verbal communication in Spanish and English)
  • Excellent organizational and time management skills with ability to multitask and prioritize deadlines.
  • Ability to manage multiple and changing priorities.
  • Detail oriented; able to analyze and research contract information.
  • Demonstrated ability to operate with a sense of urgency.
  • Experience in effectively meeting/exceeding individual professional expectations and team goals.
  • Demonstrated analytical and math skills.
  • Ability to exercise critical thinking skills, risk management skills and sound judgment.
  • Ability to adapt, problem solve quickly and communicate effective solutions.
  • High level of flexibility to adapt to the changing needs of the organization.
  • Self-motivated, independent with proven ability to work effectively on a team and work with others in a highly collaborative team environment.
  • Continuous improvement mindset
  • A commitment to support a work environment that fosters Diversity and Inclusion
  • Strong computer literacy and skills with the ability to work within multiple systems; proficiency with PC based programs such as Excel and Word.

#LI-IN
#LI-Remote
What we offer you:
Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $53,300.00 to $88,000.00. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills.
  • Market competitive base salaries, with a yearly bonus potential at every level.
  • Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave.
  • 401(k) plan with company match (up to 4%).
  • Company-funded pension plan.
  • Wellness Programsincluding up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs.
  • Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development.
  • Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs.
  • Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service.

Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week.
Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom.
Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.
If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com.
If you are experiencing a technical issue with your application or an assessment, please email careers.technicalsupport@prudential.com to request assistance.

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