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Aflac

Supplemental health and life insurance provider

Claims Operations Manager

Full-TimeDeadline 10/7/26
$90k - $120k/yr+ Annual bonus
Senior
Bachelor's
Windsor, CT, USA
RemoteRemote within the continental United States, with occasional office visits based on business need.

About the job

Requirements
  • Broad knowledge of production management concepts, operating principles, and operational management methodology applicable to claims processing, with the ability to analyze and resolve complex or sensitive claims operational issues and apply new developments to improve efficiency.
  • Broad knowledge of federal, state, and local regulatory and industry requirements, standard concepts, practices, and procedures related to the insurance industry and claims processing.
  • Knowledge of budgeting and expense control to plan, implement, and maximize expenditures while maintaining and improving quality standards.
  • Knowledge of employee relations to conduct and address employee issues proactively.
  • Bachelor's degree in Health Administration, Business, or a related field.
  • Six years of job-related work experience.
  • Four years of experience in a leadership, senior, or supervisory capacity.
  • Equivalent combinations of education and experience may be considered.
Responsibilities
  • Manage the daily operations, employees, and functional-level activities of the Claims business unit.
  • Gather and analyze operational data and reports, and complete reports summarizing activities and trends.
  • Assist with strategic and tactical operational plans to achieve company and departmental goals.
  • Independently review problem situations, develop solutions, and implement actions to resolve problems and ensure customer satisfaction.
  • Review processes and procedures to streamline activities and enhance service turnaround time, productivity, and quality.
  • Coordinate the overall workflow of the business unit to promote effective and efficient use of corporate resources and enhance customer satisfaction.
  • Direct efforts to implement risk management and quality improvement initiatives.
  • Facilitate calibration sessions and use work process studies, statistical analysis, and production-area performance assessments to establish adherence to quality standards and scorecards.
  • Monitor industry trends and technology changes, and incorporate best practices into quality standards, policies, programs, and system changes for the department.
  • Ensure claims are processed according to appropriate risk selection principles.
  • Coordinate and monitor training efforts, identify and communicate training needs and schedules with the training department, and ensure employees receive necessary education tools.
  • Project staffing requirements for the business unit.
  • Guide supervisors in coaching and counseling employees, and coordinate employee development and incentive initiatives.
  • Identify, analyze, and monitor business technology requirements and enhancement possibilities.
  • Recommend technology solutions, modifications, and applications; prepare implementation recommendations; and lead assigned initiatives.
  • Participate in and support companywide initiatives through Quality Circles, Focus Groups, or other project initiatives.
  • Monitor and control operating expenses to meet corporate and divisional financial goals.
  • Provide input into the annual business unit budget.
  • Review legal files and coordinate with counsel to prepare for depositions and court hearings.
  • Perform other related duties as required.
Desired Qualifications
  • Claims administration experience or experience in a related field or industry.
  • Insurance or other industry designations.

About the company

Aflac provides supplemental health and life insurance products to individuals and families, operating mainly in two regions: Aflac Japan and Aflac U.S. Its policies are designed to cover out-of-pocket costs from health events and income loss, including cancer, critical illness, accidents, hospital stays, and life events. These benefits are paid directly to policyholders to help manage medical expenses not fully covered by primary insurance. The products are distributed through a network of independent agents, brokers, and financial advisors, enabling a high-volume, low-premium model that supports a large, stable customer base and ongoing revenue. Japan is its largest market, and the company uses this broad distribution and scale to differentiate itself from competitors. The goal is to provide straightforward financial protection against unexpected health-related costs while expanding its presence in the U.S. and Japanese markets.

Company Size

10,001+

Company Stage

IPO

Headquarters

Columbus, Georgia

Founded

1955

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Simplify's Take

What believers are saying

  • Japan first-half 2026 sales rose 7%; refreshed Tsumitasu and Anshin Palette drove growth.
  • U.S. group voluntary, dental, and vision products lifted sales 2.6% in Q2 2026.
  • Aflac repositioned $4.8 billion of portfolio assets, targeting $50 million annual investment income.

What critics are saying

  • A 9.3% weaker yen cut Q2 adjusted EPS by $0.05 and masks Japan profit.
  • Japan sales fell 5.6% in Q2 2026, showing Miraito comparisons and lapse pressure.
  • Japan Post now holds over 50 million shares, creating governance pressure during any 2026-2027 slowdown.

What makes Aflac unique

  • Aflac dominates Japan supplemental cancer insurance, anchored by Miraito, Tsumitasu, and Anshin Palette.
  • Its independent-agent distribution and iconic duck brand create cheap, persistent customer acquisition.
  • Forty-three consecutive dividend raises signal disciplined underwriting and shareholder-first capital allocation.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Unlimited Paid Time Off

Paid Holidays

Hybrid Work Options

Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

↓ -1%

1 year growth

↓ -1%

2 year growth

↓ -1%
Yahoo Finance
Sep 19th, 2026
Aflac's net earnings jump 37.7% to $825M, but adjusted earnings fall 7.7% on yen weakness

Aflac reported divergent second-quarter results on 6 August. Net earnings rose 37.7% to $825 million, aided by reduced investment losses. However, adjusted earnings fell 7.7% to $883 million. Currency fluctuations masked underlying performance. The yen weakened 9.3% against the dollar, costing $0.05 per share. Excluding currency effects, first-half adjusted earnings per share rose 4.1% to $3.57. Japan's pretax adjusted margin widened to 34.3% from 32.0% as claims declined, though net earned premiums fell 3.7%. US net earned premiums increased 2.3% to $1.5 billion, but the pretax adjusted margin narrowed to 20.9% from 22.5%. Aflac returned $1.3 billion to shareholders during the quarter, including $983 million in buybacks. The company declared a $0.61 third-quarter dividend payable 1 September.

Yahoo Finance
Sep 17th, 2026
Jim Cramer calls Aflac 'not great, not bad' as insurer posts $825M earnings amid FX headwinds

On September 11, during Mad Money's lightning round, Jim Cramer described Aflac Incorporated as "not great, not bad," noting the stock isn't expensive but lacks significant growth potential. He said the company has limited downside risk at current levels. Aflac reported second-quarter net earnings of $825 million, up from $599 million the previous year. The company returned $1.3 billion to shareholders through $983 million in share repurchases and $309 million in dividends. However, total revenues declined to $4.1 billion, pressured by foreign exchange headwinds. Aflac Japan's adjusted revenues dropped 12.6% in dollar terms to $2.2 billion due to a weaker yen. According to Insider Monkey's database, 39 hedge funds held stakes in Aflac during the second quarter.

AktienSensor
Sep 16th, 2026
Japan Post Holdings acquires 63% stake in AFLAC for $5.8B

Japan Post Holdings has acquired approximately 63% of AFLAC Inc., purchasing around 50.6 million shares in a transaction valued at an estimated $5.8 billion. The Japanese entity is acting as trustee of a trust holding the stake. The acquisition gives Japan Post Holdings significant influence over AFLAC's corporate governance, including board appointments and strategic direction. AFLAC's share price rose modestly by 0.8% following the disclosure, closing at $117.50. The transaction was disclosed via Form 4 filing as of 10 September 2026. With AFLAC's market capitalisation standing at approximately $9.3 billion, the stake positions Japan Post Holdings amongst the insurer's largest shareholders. The cross-border ownership structure may attract regulatory scrutiny from both US and Japanese authorities. Institutional investors are advised to monitor the trust's proxy voting behaviour and governance decisions.

Yahoo Finance
Sep 8th, 2026
Aflac shares lag insurance sector ETF despite $61.7B market cap and Japan cancer insurance leadership

Aflac shares have underperformed the broader insurance sector, rising just 1.7% over the past three months compared to a 12.4% gain for the iShares U.S. Insurance ETF. The Columbus, Georgia-based supplemental insurance provider, valued at $61.7 billion, trades 10% below its July 52-week high of $130.22. The company's recent second-quarter results disappointed investors, with adjusted earnings of $1.75 missing expectations and revenue falling 1% year-over-year to $4.1 billion. Higher benefits and claims pressured profitability at Aflac U.S., whilst operations in Japan showed signs of slowing. Analysts have grown cautious about Aflac's growth prospects, questioning whether its core businesses can deliver sufficient expansion beyond share buybacks. The stock has dipped below its 50-day moving average, suggesting weakened near-term momentum despite holding above its 200-day average for most of the past year.

Yahoo Finance
Aug 15th, 2026
Aflac Q2 revenue falls 6.9% as Japan sales decline after Miraito cancer insurance launch

Aflac's second quarter results disappointed investors despite meeting Wall Street expectations, with revenue declining 6.9% year-on-year to $4.22 billion. The insurance giant attributed the sales drop largely to difficult comparisons following last year's launch of its Miraito cancer insurance product in Japan. Chief Executive Daniel Amos said new Japanese offerings like Tsumitasu and Anshin Palette generated solid growth. US sales grew modestly, supported by group voluntary products and network dental and vision offerings. During the earnings call, analysts pressed management on several key issues. Questions focused on the sustainability of asset repositioning efforts, appetite for larger acquisitions, sequential declines in Japanese medical sales, and the impact of inflation on policy lapse rates. Amos said Aflac remains open to strategic acquisitions but will maintain discipline, favouring smaller deals that fit operationally and financially.