Disability Underwriter

The Disability Underwriter is responsible for exercising their discretion & using professional judgment in decision making of individual disability cases up to $10,000/monthly indemnity. They will use their training and experience to determine the insurability as well as premium classification of applications.You will be accountable for managing assigned work, developing agency relationships, and ensuring customer satisfaction at the highest level. The Disability Insurance Underwriter will work with adjacent departments, including Individual Disability Service & Administration, for the benefit of the facilitation of the entire underwriting and administrative process. The position requires the individual to operate in a cross-functional team environment.You areA self-starter who is fueled by collaboration and providing excellent customer service. You have strong relationship management skills.You have• Bachelor’s degree and industry related education (i.e., LOMA, ALU, CLU) desired• 2 plus years of Individual Disability Underwriting experience preferred.• Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions)• General computer proficiency required.• Excellent analytical skills; written and oral communication skills and negotiation skills• Outstanding decision-making, organizational and time management skillsYou will• Recognize and acquire requirements necessary in evaluating risks, consistently using the global approach (a “broadened view” of the entire case to forecast all needs and requirements at onset) to underwriting.• Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.• Communicate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner.• Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories.• Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives.• Explain Guardian product information, risk classification, and underwriting action to peers and field force.• Collaborate with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process.• Negotiate appeals of underwriting actions with general agents, agents, and agency personnel• Evaluate risk involved in reinstatements, and other policy change requests as required.• Review, interpret, and record Medical Information Bureau codes in accordance with established MIB guidelines.• Communicate actions with our proposed policyholders.• Participate in on-going training and development offerings to enhance customer service and underwriting, in support of a high-performance culture.Location• Work from home anywhere within the United States. Travel to Guardian offices when requested by the People Leader.• Up to 10% travel within US.Salary Range$56,680.00 - $85,015.00The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.Our PromiseAt Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.Inspire Well-BeingAs part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.Health Care• Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits• Dental plan• Vision plan• Health care accounts – flexible spending, health reimbursement, and health savings accounts• Critical illness insuranceLife and Disability Insurance• Company-paid Life and Disability insurance plus voluntary supplemental coverage• Accident insuranceRetirement and Financial• 401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable• Complimentary 1:1 financial guidance with a licensed Fidelity representativeTime Off and Remote Work• Flexible work arrangements (part in-person/part remote)• Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement• Personal holidays for colleagues to use in recognition of religious, cultural, or civic days• Paid parental leave and paid family and medical leave policiesEmotional Well-being and Work-Life• Emotional well-being, mental health, and work/life resources powered by Spring Health• Wellness programs, including fitness program and equipment reimbursement• Child, adult, and elder back-up care support through Bright Horizons• Adoption assistance• College planning• Tuition reimbursement• Student loan assistance• Commuter benefits in select metropolitan areasEquity & InclusionOpportunities to build inclusive and meaningful connections through involvement in colleague-led affinity groups:• Employee Resource Groups:• Colleague Connection Committees• Community Involvement CommitteesA culture that encourages colleagues to bring their authentic selves to work• Voluntary self-ID• Pronunciation and phonetic spelling of namesBenefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.Equal Employment OpportunityGuardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.AccommodationsGuardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact applicant_accommodation@glic.com .Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .