Life Benefits Examiner

The next part of your journey is right around the corner — with The Standard.

A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?

Job Summary:

The Life Benefits Examiner is responsible for reviewing and adjudicating life insurance claims by gathering and analyzing documentation, verifying eligibility, and making benefit determinations in accordance with policy provisions and regulatory requirements. This role independently manages claims from initial review through payment, ensuring accurate and timely resolutions. The examiner serves as a key point of contact for beneficiaries, policyholders, clients, and internal partners, providing responsive support and resolving claim-related issues. Success in the role requires strong analytical skills, attention to detail, sound judgment, and effective communication. The position also supports client service initiatives and participates in special projects as needed.

Key Responsibilities

• Investigate and evaluate life insurance claims by reviewing documentation, verifying eligibility, identifying discrepancies, and obtaining additional information as needed.
• Make independent claim decisions, communicate outcomes, and ensure accurate and timely benefit payments in accordance with policy provisions.
• Review entitlement to benefits and develop payment strategies while adhering to applicable state and federal regulations.
• Respond to inquiries from beneficiaries, policyholders, clients, and internal stakeholders, resolving issues through professional and effective communication.
• Serve as a primary Life Benefits contact for clients and internal partners, supporting client implementation, ongoing service, renewals, and special projects.

Skills and Background You’ll Need

Education: High school diploma or GED required. Higher education is preferred.

Experience: 2+ years of professional experience, preferably in insurance, financial services, claims administration, or a related field.

• Strong analytical and problem-solving skills, with the ability to interpret complex information, identify discrepancies, make sound decisions, and perform basic calculations accurately.

• Proficiency with Microsoft Office applications and general computer systems, including strong data entry and navigation skills.

• Excellent organization and time management skills, with the ability to manage multiple priorities and meet deadlines in a fast-paced environment.

• Strong communication and interpersonal skills, including empathy, adaptability, a willingness to learn, and openness to feedback and coaching.

• Demonstrated ability to quickly learn and apply new information while working both independently and collaboratively

Key Behaviors of a Successful Candidate

• Driving Success: Acts with urgency, pursues ambitious goals and shows resilience in the face of obstacles and setbacks.                 

• Adaptability: Sees possibilities in changing circumstances, accepts and understands change and alters behavior as necessary.       

• Customer Focus: Understands and anticipates both internal and external customer needs and develops customer-inspired solutions that exceed expectations.       

Why Join The Standard?

We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:

• A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions

• An annual incentive bonus plan

• Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure

• A supportive, responsive management approach and opportunities for career growth and advancement 

• Paid parental leave and adoption/surrogacy assistance

• An employee giving program that double matches your donations to eligible nonprofits and schools

In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard.

• Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance.

The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.

Salary Range:

21.63 - 29.45

Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.