It's going to vary greatly by company and position. At my job, I do have to be logged in at a certain time and stay until a certain time. I have a lunch and breaks set in the schedule where I'm guaranteed to do nothing. My job is low key, when I do get a call, it is recorded but it's not a high pressure situation, it's just a training / quality thing(we dont have any strict scripts or anything). Otherwise, my mouse movements and such isn't monitored. Most of my work is done through emails to update cases. Since new works flows steadily to me throughout the day, I can't just get everything done in 2 hours and chill the other six. But in my 8 hour shift, I'd guess I do 5 hours of work (reviewing docs, typing up responses, sending emails, etc). I'm lucky that my job can be done on a laptop and performed anywhere. I never make an effort to meet anyone for lunch (because most people I know work) but people visit me, I eat lunch and chill with my husband when he's home and generally move around the house, talk to people, play with the dog in-between work tasks.

I consider my job a unicorn job. I see a lot of nurses flocking to the insurance companies, particularly to utilization review. UR seems enticing because it's zero phone calls. But my understanding is that most of the big insurance companies are moving toward heavy monitoring of their workers. And so many are fleeing to remote jobs that employers are lowering wages. A UR job used to get you easily 80-90k. Now I've seen 60-70k be the norm. I looked heavily into the UR jobs and decided my current job offers more freedom, despite having to answer maybe 4-6 random calls per shift. I'd still take being heavily monitored on a UR job than go back to the floor. But then again, I'd work at Target before going back to floor nursing. To each their own I guess.