Disability Underwriting Research Consultant

🕒 August 11

🐊 Florida, New York, +2 more states – Remote

🐊 Florida – Remote 🗽 New York – Remote 🍂 Massachusetts – Remote 🧀 Wisconsin – Remote

💵 $115.9k - $152.1k / year

⏰ Full Time

🟠 Senior

🔴 Lead

🔬 Research Analyst

👻 Ghost score 0%

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MassMutual

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1851

💸 Finance

🛡️ Insurance

💳 Fintech

Finance • Insurance • Fintech

MassMutual is a financial services company that specializes in providing a wide range of insurance, investment, and financial planning products. It offers life insurance, disability income insurance, long-term care insurance, and annuities to individuals. MassMutual also provides retirement planning, investment products such as mutual funds and brokerage services, as well as financial planning services including retirement calculators and college savings plans. The company serves individuals, businesses, and financial professionals, emphasizing financial wellness and protection. MassMutual is committed to sustainability, diversity, and community impact, and prides itself on corporate governance and financial strength.

📋 Description

• Support the modernization and ongoing evolution of MassMutual’s Disability Income medical and non-medical underwriting manuals • Research medical conditions, treatment advances, clinical outcomes, claims experience, and industry practices • Draft, review, and refine medical underwriting guidelines • Partner with underwriting, medical, claims, pricing, compliance, product, and leadership teams • Contribute to impairment-based underwriting frameworks and clinical risk stratification • Translate guidelines into rules-based decisioning logic, knowledge-base content, and future underwriting technology requirements • Assist with training, communication, and change management to promote adoption of updated underwriting guidance

🎯 Requirements

• 8+ years of work experience in Individual Disability Income Insurance Underwriting or 8+ years as an Occupational Health Nurse • 8+ years of progressive experience in DI underwriting, including medical risk assessment, underwriting standards interpretation, and underwriting operations • 8+ years of experience evaluating medical evidence and applying underwriting guidelines to assess insurability and risk • 8+ years of experience researching and analyzing medical, claims, underwriting, and industry data • Individual Disability Income underwriting approval authority of at least $15,000 • Bachelor’s Degree listed as an ideal qualification • Industry exams/designations completed or in progress, such as ALU, LOMA, ALMI, FMLI, FALU, DIA, DIF, RHU, or CLU • Advanced knowledge of individual DI insurance practices, underwriting standards, risk selection, and operations • Experience developing, updating, or maintaining medical underwriting guidelines, manuals, job aids, or formal underwriting frameworks • Ability to translate medical literature, clinical trends, and risk insights into practical underwriting guidance • Familiarity with impairment-based underwriting frameworks and clinical risk stratification • Exposure to automated or digital underwriting tools, rules-based decisioning, or underwriting knowledge-base development • Strong written communication skills for creating clear, concise, actionable technical guidance • Ability to collaborate across functions and influence through expertise, credibility, and sound judgment

🏖️ Benefits

• Incentive and bonus opportunities • Access to learning, development, and internal networks • Employee-led communities and forums fostering connection, learning, and inclusion • Industry-leading pay and benefits • Flexible work arrangements, including potential 100% remote work subject to business needs