Life Waiver of Premium Claims Specialist – Financial Protection and Retirement Solutions

🕒 May 5

🏢🏡 Boston – Hybrid

💵 $50.3k - $75.4k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

💸 Financial Planning and Analysis (FP&A)

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Guardian Life

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1860

💸 Finance

🧘 Wellness

💰 Non Equity Assistance on 2016-08

Finance • Insurance • Wellness

Guardian Life is a comprehensive insurance provider offering a wide range of insurance products and services. Founded 160 years ago, the company has grown to serve over 12 million people daily. Guardian Life specializes in various insurance plans, including life, disability, dental, vision, accident, critical illness, and hospital indemnity insurance. The company also provides workforce solutions such as group benefits, absence management, paid leave, and benefits technology. Furthermore, Guardian Life offers investment services, annuities, and retirement plans, supported by financial professionals. The firm is committed to social responsibility, equity, and inclusion, partnering with organizations to foster well-being and financial health. With a strong network and deep industry experience, Guardian Life continues to be a reliable partner in protecting individuals and families while preparing them for the future.

📋 Description

• Independently adjudicate Life Waiver of Premium disability claims, including initial approvals, continuations, suspensions, and terminations, in accordance with policy language and established guidelines • Evaluate medical, vocational, employer, and functional evidence (e.g., APS, medical records, functional capacity information) to determine initial and ongoing waiver eligibility • Apply Life insurance policy and rider provisions, definitions, and benefit eligibility criteria accurately and consistently to support sound claim determinations • Identify gaps, inconsistencies, or insufficiencies in evidence and take ownership to request and obtain additional information as needed • Develop clear, well‑reasoned written decision rationale that supports adjudication outcomes and withstands quality review, audit, or appeal scrutiny • Manage an active inventory of waiver claims, balancing timeliness, quality, regulatory expectations, and customer experience • Partner with internal resources (e.g., medical consultants, field investigators) to resolve adjudication issues • Communicate professionally and empathetically with policyholders, physicians, employers, representatives, and internal partners regarding claim status and decisions • Exercise sound judgment and maintain composure when making difficult or adverse disability decisions in high‑pressure situations • Collaborate within a team‑based, customer‑focused environment to meet service, quality, and performance standards

🎯 Requirements

• A college or university degree or the equivalent work experience that provides knowledge and exposure to claims, service or other principles and concepts • At least two years of claim-related work experience (Individual Life Waiver of Premium or Disability Income Claims preferred) • Experience and an interest in providing quality customer service both written and telephonic • An internal drive to investigate using your critical thinking skills to assess claim and policy matters • Strong analytical skills, with attention to detail • Strong written and verbal communication skills • Demonstrated experience prioritizing competing priorities with deadlines • Working knowledge of Microsoft Office products, including Word, Excel, and Outlook

🏖️ Benefits

• Health insurance • 401(k) matching • Flexible working hours • Paid time off • Professional development opportunities