UNUM Long Term Disability Benefits Specialist Trainee in Chattanooga, Tennessee

Job Posting End Date: 01/06

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. In this role, you will be considered a trainee and will be assigned a formal mentor for a minimum of 12 months. You will be 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 will be trained in Unum's Longer Term Disability product line. 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. 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.

What Unum Offers:


  • Minimum $15.50 hourly wage

  • Medical, Dental, and Vision benefits available on the first day of employment

  • Defined Contribution Plan along with 401K matching to help you plan for your retirement

  • Paid Time Off, holiday and leave programs

  • Flexible Breaks

  • Tuition Reimbursement

  • Paid Family Leave

  • Employee assistance programs

  • Business casual dress code

  • Onsite fitness and dining facilities

  • Volunteer opportunities

  • Employee resource groups with a strong focus on diversity and inclusion

Our Culture:

At Unum, we strive to all together work relentlessly to meet our customers’ needs, celebrate diversity, care for our communities and think of new, different ways to deliver results. Click on our video link to learn about how "We are Unum" http://https://player.vimeo.com/video/192131297

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.