Illinois Mutual

Medical Director – Part Time

Illinois Mutual

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Posted on:

Location Type: Remote

Location: Illinois • United States

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Salary

💰 $150 per hour

Job Level

Lead

About the role

  • Provide timely, high quality medical underwriting consultations and assessments to life and disability underwriting teams.
  • Review and interpret electrocardiograms, stress tests, laboratory results and other diagnostic tests as requested by underwriting teams.
  • Review medical records of applicants for life and disability income insurance to assess mortality and morbidity risk.
  • Provide ongoing education of underwriters through individual case discussions, explanations and clarifications provided in medical referrals.
  • Assist claims staff with the review of life and disability claims and medical conditions which require physician input regarding reasonableness of care, treatment and/or restrictions/limitations cause by said conditions.
  • Serve as a resource in the evaluation of contestable claims.
  • Provide training through lectures, training materials and participation in company-wide underwriter education programs as requested by management, but at least on a quarterly basis.
  • Conduct ongoing research as it relates to changes in mortality and morbidity and advise underwriters as to such changes.
  • Maintain current, in-depth knowledge of medical literature via ongoing journal review and other continuing education such as attendance at industry and non-industry medical conferences.
  • Demonstrate understanding of standard and excess mortality and morbidity as it relates to specific disease states.
  • Interact with Life and DI insurance agents and attending physicians as case needs warrant.
  • Provide feedback to and interact with various reinsurance providers related to Life and DI underwriting risks.
  • Research changes in medical survival trends and provide input into underwriting guidelines for in-house underwriting manuals.
  • Participate in decision/policy making committees as requested.
  • Participate in New Business projects as requested.

Requirements

  • MD or DO degree required.
  • Current medical license in good standing, and appropriate continuing education credits as needed per year, required.
  • Experience in insurance medicine preferred.
  • Certificate in Insurance Medicine a strong plus.
  • Exposure to Life and Disability underwriting.
  • Minimum of five years of experience in a primary care specialty such as Family Practice or Internal Medicine preferred.
  • Board Certified in Internal Medicine.
  • Strong knowledge of general medicine, cardiology, oncology and geriatric medicine.
  • Experience with claims resulting from workplace issues, short- and long-term disability and workers compensation injuries preferred.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
medical underwritingelectrocardiograms interpretationstress tests analysislaboratory results reviewmortality risk assessmentmorbidity risk assessmentclaims reviewmedical literature reviewresearch in mortality trendsunderwriting guidelines development
Soft Skills
communicationtrainingeducationconsultationcollaborationfeedback provisionresourcefulnessdecision makingpolicy makinginterpersonal skills
Certifications
MDDOmedical licenseCertificate in Insurance MedicineBoard Certified in Internal Medicine