What are the responsibilities and job description for the Advanced Disability Claims Analyst position at RiverSource?
About Our Company
We’re a diversified financial services leader with more than $1.5 trillion in assets under management, administration and advisement as of year-end 2024. Our team of 22,000 people across 19 countries, serves more than 3.5 million individual, small business and institutional clients. We are a longstanding leader in financial planning and advice, a global asset manager and an insurer. Our unwavering focus on our clients and strong financial foundation connects each of our unique businesses – Ameriprise Financial, Columbia Threadneedle Investments and RiverSource Insurance and Annuities. Here, we foster meaningful careers, invest in the future, and make a difference for clients, institutions and communities around the world.
Job Description
As an Advanced Disability Claims Analyst, you will play a critical role in delivering fair, timely, and accurate disability and life insurance claim determinations. You will manage complex claims, influence process improvements, provide subject matter expertise, and build trusted relationships with clients, advisors, attorneys, and regulators. This role offers opportunities to lead initiatives, mentor peers, and contribute to operational excellence while protecting client interests and managing risk.
Responsibilities
Adjudicate disability and accelerated benefit insurance claims, determine eligibility, benefits, duration, and payment amounts while serving as the primary claim contact
Request, evaluate, and interpret medical, financial, occupational, and investigative information to support claim decisions
Coordinate investigations, litigation management activities, and referrals to internal specialists and external vendors when appropriate
Conduct secondary reviews, support complex claim resolution, and provide coaching and guidance to team members
Manage stakeholder relationships through proactive communication with clients, advisors, attorneys, regulators, and business partners
Identify claim risks, ensure compliance with regulatory and legal requirements, and contribute to process improvement initiatives
Qualifications
5-7 years of long-term disability insurance claims experience, including complex claims analysis and adjudication
Strong knowledge of disability insurance contracts, policy provisions, insurance regulations, and claim handling practices
Bachelor's degree or equivalent combination of education and relevant experience
Understanding of medical terminology, medical management practices, and financial claim assessment
Strong analytical, critical thinking, investigative, and problem-solving skills
Excellent written, verbal, and presentation communication skills
Ability to collaborate across teams, influence stakeholders, and mentor peers
Experience leading process optimization, continuous improvement, or project initiatives preferred
U.S. Work Authorization & Sponsorship
Applicants must have a valid work authorization that does not now, or in the future, require visa sponsorship for employment in the United States (e.g., H-1B, F-1 CPT, F-1 OPT, TN).
In-Office Collaboration
We are a client-centric, relationship-based business. Working together, in-person, is foundational to how we achieve results. By fostering a culture of face-to-face collaboration, idea sharing, productivity and personal connection, we deliver for our stakeholders. Our employees work in the office at least four (4) days per week, with flexibility to work from home one (1) day per week.
Base Pay Salary
The estimated base salary for this role is $71,300 - $98,100 / year. We have a pay-for-performance compensation philosophy. Your initial total compensation may vary based on job-related knowledge, skills, experience, and geographical work location. In addition, most of our roles are eligible for variable pay in the form of bonus, commissions, and/or long-term incentives depending on the role. We also have a competitive and comprehensive benefits program that supports all aspects of your health and well-being, including but not limited to vacation time, sick time, 401(k), and health, dental and life insurances.
Full-Time/Part-Time
Full time
Exempt/Non-Exempt
Exempt
Job Family Group
Business Support & Operations
Line of Business
INSUR Insurance
Ameriprise Financial is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, gender expression, national origin, ancestry, age, physical or mental disability, medical condition, pregnancy, military status, veteran status, genetic information, citizenship, disability status, marital status, family status or any other basis prohibited by law.
We are committed to fostering an inclusive and accessible recruitment process for individuals with disabilities. If you require a reasonable accommodation to participate in the application or interview process, speak to your recruiter to discuss how we can support you.
We’re a diversified financial services leader with more than $1.5 trillion in assets under management, administration and advisement as of year-end 2024. Our team of 22,000 people across 19 countries, serves more than 3.5 million individual, small business and institutional clients. We are a longstanding leader in financial planning and advice, a global asset manager and an insurer. Our unwavering focus on our clients and strong financial foundation connects each of our unique businesses – Ameriprise Financial, Columbia Threadneedle Investments and RiverSource Insurance and Annuities. Here, we foster meaningful careers, invest in the future, and make a difference for clients, institutions and communities around the world.
Job Description
As an Advanced Disability Claims Analyst, you will play a critical role in delivering fair, timely, and accurate disability and life insurance claim determinations. You will manage complex claims, influence process improvements, provide subject matter expertise, and build trusted relationships with clients, advisors, attorneys, and regulators. This role offers opportunities to lead initiatives, mentor peers, and contribute to operational excellence while protecting client interests and managing risk.
Responsibilities
Adjudicate disability and accelerated benefit insurance claims, determine eligibility, benefits, duration, and payment amounts while serving as the primary claim contact
Request, evaluate, and interpret medical, financial, occupational, and investigative information to support claim decisions
Coordinate investigations, litigation management activities, and referrals to internal specialists and external vendors when appropriate
Conduct secondary reviews, support complex claim resolution, and provide coaching and guidance to team members
Manage stakeholder relationships through proactive communication with clients, advisors, attorneys, regulators, and business partners
Identify claim risks, ensure compliance with regulatory and legal requirements, and contribute to process improvement initiatives
Qualifications
5-7 years of long-term disability insurance claims experience, including complex claims analysis and adjudication
Strong knowledge of disability insurance contracts, policy provisions, insurance regulations, and claim handling practices
Bachelor's degree or equivalent combination of education and relevant experience
Understanding of medical terminology, medical management practices, and financial claim assessment
Strong analytical, critical thinking, investigative, and problem-solving skills
Excellent written, verbal, and presentation communication skills
Ability to collaborate across teams, influence stakeholders, and mentor peers
Experience leading process optimization, continuous improvement, or project initiatives preferred
U.S. Work Authorization & Sponsorship
Applicants must have a valid work authorization that does not now, or in the future, require visa sponsorship for employment in the United States (e.g., H-1B, F-1 CPT, F-1 OPT, TN).
In-Office Collaboration
We are a client-centric, relationship-based business. Working together, in-person, is foundational to how we achieve results. By fostering a culture of face-to-face collaboration, idea sharing, productivity and personal connection, we deliver for our stakeholders. Our employees work in the office at least four (4) days per week, with flexibility to work from home one (1) day per week.
Base Pay Salary
The estimated base salary for this role is $71,300 - $98,100 / year. We have a pay-for-performance compensation philosophy. Your initial total compensation may vary based on job-related knowledge, skills, experience, and geographical work location. In addition, most of our roles are eligible for variable pay in the form of bonus, commissions, and/or long-term incentives depending on the role. We also have a competitive and comprehensive benefits program that supports all aspects of your health and well-being, including but not limited to vacation time, sick time, 401(k), and health, dental and life insurances.
Full-Time/Part-Time
Full time
Exempt/Non-Exempt
Exempt
Job Family Group
Business Support & Operations
Line of Business
INSUR Insurance
Ameriprise Financial is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, gender expression, national origin, ancestry, age, physical or mental disability, medical condition, pregnancy, military status, veteran status, genetic information, citizenship, disability status, marital status, family status or any other basis prohibited by law.
We are committed to fostering an inclusive and accessible recruitment process for individuals with disabilities. If you require a reasonable accommodation to participate in the application or interview process, speak to your recruiter to discuss how we can support you.
Salary : $71,300 - $98,100