STD Claims Appeals Specialist

**Date:** Jul 27, 2026 **Primary Location:** Charlotte, NC, US **\#job\-location.job\-location\-inline { display:** inline; } **Company:** Lincoln Financial **Alternate Locations:** Charlotte, NC (North Carolina); Omaha, NE (Nebraska); Work from Home **Work Arrangement:** **Remote :** Work at home employee residing outside of a commutable distance to an office location. **Relocation assistance:** is not available for this opportunity. **Requisition \#:** 76345 The Role at a Glance We are excited to bring on an Appeals Specialist to join our Appeal Review Department in a fully remote environment. Appeal Specialists conduct reviews, investigation, and analysis of an assigned caseload of Short\-Term Disability appeals. The role is responsible for interpreting and applying correct contract terms/provisions, ERISA requirements, statutory guidelines, and case management and appeal procedures to each claim. Background Details As an Appeals Specialist you will be responsible for being a product subject matter expert to provide full, fair appeal reviews for multiple product lines. You will perform and deliver on appeals claims assignments/projects while simultaneously leveraging and applying knowledge. You will analyze and manage a caseload of appeals claims. You will review, investigate, and make claim determinations regarding coverage, compensability, and appropriateness of claims. You will provide technical information and detailed guidance to Claims management \& teams regarding products, claims processes, regulations, and applicable systems for their assigned claims area. If this sounds like a role for you, please read on! What you'll be doing You will analyze \& process claims by investigating \& obtaining a wide range of complex information. Apply claim policies \& procedures and engages intervention of internal/external resources to ensure fair, ethical, \& timely management of assigned claims You will analyze and interpret complex coverage contracts to determine if eligibility is met. You will identify and resolve gaps in financial calculations and offsets when applicable, share technical knowledge and approach on financial calculations with team members. You will interpret calculations correctly involving complex contract provisions and work with applicable resources as needed to resolve issues. You will research questions and escalations from Claims team; liaises with various stakeholders from across the business (Underwriting, Actuarial, Compliance, Account Management, etc.) to obtain needed information to clarify and address issues. You will provide customers with in\-depth explanations of policy details, claim process, and claim determination; ensure parties understand the information and outcome. You will utilize internal reporting to identify trends and review/audit performance against team metrics; propose and develop practices \& pr