LTD Benefit Specialist Trainee- Bilingual (Spanish)- HYBRID

Job Posting End Date: February 27

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: 

• Award-winning culture 

• Inclusion and diversity as a priority 

• Performance Based Incentive Plans

• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability 

• Generous PTO (including paid time to volunteer!) 

• Up to 9.5% 401(k) employer contribution 

• Mental health support 

• Career advancement opportunities 

• Student loan repayment options 

• Tuition reimbursement

• Flexible work environments 

*All the benefits listed above are subject to the terms of their individual Plans.

And that’s just the beginning…  

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! 

General Summary:

Minimum starting hourly rate if $25.00

Position start date is March 31, 2025.

**This position is on-site at our Chattanooga, TN home office location**

As a Benefit Specialist Trainee, you are primarily responsible for learning and developing the essential skills, knowledge, and behaviors necessary to successfully resolve assigned claims, in accordance with Unum’s claims philosophy, policies and procedures. This is an entry level opportunity within Unum’s Benefits Organization. Individuals in this role are considered Trainees and are assigned a formal mentor for 12 months until the Trainee is capable of independent work.

To be successful in this role, the Trainee must demonstrate the ability to effectively manage an assigned caseload, while exercising discretion and independent judgment. The Benefit Specialist Trainee should provide timely claims decisions and strong customer service prior to advancing to the exempt level Benefit Specialist role.

How You’ll Thrive

• Develop skills to manage a caseload of complex claims; ensuring appropriate sign offs are obtained.  Caseload size may vary by product(s).
• Gain an understanding and working knowledge of Unum products, policies/procedures and contracts.
• Develop an understanding of the applicable contract/policy definitions and relevant provisions, clauses, exclusions, riders and waivers as well as regulatory and statutory requirements for claim products administered.
• Apply contract/policy knowledge and analyze technical and complex contractual knowledge (policies and provisions) to ensure appropriate eligibility requirements, liability decisions and appropriate payee.
• Enhance problem solving skills by demonstrating analytical/ logical thinking.
• Take accountability of the service you provide to internal and external customers with a commitment to creating exceptional customer experiences.
• Recognizing multiple service connections through team-based approach and resource partnerships, optimizing results by choosing the best strategies resulting in fair and objective claim decisions.
• Verify on-going liability and develop strategies for return-to-work opportunities as appropriate. Develop and strengthen claim validation and return to work techniques, where applicable.
• Produce objective, clear documentation and technical rationale for all claim determinations and demonstrate the ability to effectively verbally communicate determinations and recommendations.
• Effectively utilize a broad spectrum of supported resources (to include financial, medical, vocational and BRI support), materials and tools regarding contractual, disability and RTW strategies, as required.
• Acquire an operating knowledge of the applicable claims system(s).
• Coordinate and share information with other products as appropriate.
• Provide timely and excellent customer service by paying appropriate claims promptly and quickly responding to all inquiries. 
• Maintain expected service and quality standards on all assigned claims.
• Protect the Company against extra-contractual liabilities by following established guidelines and regulations.
• Underst