Supplemental Health Appeals Associate

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Date: Nov 13, 2026

Primary Location: Charlotte, NC, US

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 #: 76894

The Role at a Glance

We are excited to bring on highly motivated Supplemental Health Appeals Associate to our team within Workplace Solutions.
As a Supplemental Health (SH) Appeals Associate you will be responsible for being a product subject matter expert to provide full, fair appeal reviews for multiple voluntary product lines. You will perform and complete full, fair reviews and adjudicating appeal decisions on Accident, Critical Illness, and Hospital Indemnity claims for our customers. You will analyze and manage a caseload of SH appeals claims. You will review, investigate, and make appeal 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 you enjoy working in a fast-paced environment, then please read on!

What you'll be doing

You will be communicating with claimants, employers as needed to ensure complete submission of necessary information for appeal review.
You will be leveraging knowledge of coverage, certificate provisions, eligibility & benefits as well as other appropriate resources (e.g., other internal teams, practices/procedures, clinical etc.) to include as part of your appeal review.
You will be applying core knowledge of Supplemental Health/voluntary insurance products, claims processes and certificates to render appeal decisions
You will be identifying, interpreting, and resolving gaps in financial calculations when applicable, share technical knowledge and approach on financial calculations with claims.
You will be ensuring appeals processing is consistent with applicable policies, procedures, and department guidelines.
You will be researching questions and escalations as needed for complete appeal review; liaises with various stakeholders from across the business (Enrollments, Legal, Compliance, Account Management, etc.) to obtain needed information to clarify and address issues.

What we’re looking for

Must-haves:

2+ Years of experience in Supplemental Health Claims: Accident, Critical Illness, Hospital Indemnity. (Required).
Strong written and verbal communication skills
Excellent organizational skills with the ability to multi-task
4 Year/Bachelor's degree (Strongly preferred)

Application Deadline

What’s it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What’s in it for you:

Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
Leadership development and virtual training opportunities
PTO/parental leave
Competitive 401K and employee benefits
Free financial counseling, health coaching and employee assistance program
Tuition assistance program
Work arrangements that work for you
Effective productivity/technology tools and training

The pay range for this position is 30.16 - 35.48 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln’s total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln’s standard benefits package.

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Be Aware of Fraudulent Recruiting Activities

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling (866) 922-6543.

This Employer Participates in E-Verify. See the E-Verify notices.

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Nearest Major Market: Charlotte
Job Segment: Claims, Compliance, Outside Sales, Social Media, Banking, Insurance, Legal, Sales, Marketing, Finance

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