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

Guardian Life

Life Waiver of Premium Claims Specialist at Guardian adjudicating Life Waiver of Premium disability claims. Evaluating evidence and managing claim inventories within a supportive team environment.

Posted 5/5/2026full-timeBoston • Massachusetts, New York • 🇺🇸 United StatesJuniorMid-Level💰 $50,260 - $75,385 per yearWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

claims adjudicationdisability claimswaiver of premiumpolicy languagemedical evidence evaluationvocational evidence evaluationfunctional capacity assessmentanalytical skillscritical thinking

Soft Skills

communication skillscustomer serviceattention to detailjudgmentteam collaborationempathytime managementproblem-solving