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Disability Underwriter Jobs (NOW HIRING)

Venbrook

Underwriter

New York, NY · On-site +1

Medical, Dental, Vision, Life, and Disability Insurance * Paid Time Off (PTO) * Paid Holidays ... The underwriter works within the carrier's underwriting guidelines and appetite to make binding ...

STORE CAPITAL ADVISORS LLC

Underwriter

Scottsdale, AZ · Hybrid

The Underwriter is part of STORE's Credit Underwriting team responsible for analyzing and ... Employer Sponsored Life and Disability Policies * Generous Paid Time Off Program and Paid Parental ...

STORE CAPITAL ADVISORS LLC

Underwriter

Scottsdale, AZ · On-site

The Underwriter is part of STORE's Credit Underwriting team responsible for analyzing and ... Employer Sponsored Life and Disability Policies * Generous Paid Time Off Program and Paid Parental ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning ... disability status, protected veteran status or any other characteristic protected by law.

STORE Capital LLC

Underwriter

Scottsdale, AZ · On-site

The Underwriter is part of STORE's Credit Underwriting team responsible for analyzing and ... Employer Sponsored Life and Disability Policies * Generous Paid Time Off Program and Paid Parental ...

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Disability Underwriter information

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$32.5K

$78.9K

$139.5K

How much do disability underwriter jobs pay per year?

As of Aug 10, 2026, the average yearly pay for disability underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the typical daily responsibilities of a disability underwriter?

As a Disability Underwriter, your daily tasks include reviewing applications, assessing medical and occupational risks, analyzing financial documents, and determining whether to approve or decline insurance coverage. You may work closely with agents, brokers, and medical professionals to gather additional information and clarify complex cases. The role often involves balancing multiple cases at different stages while ensuring compliance with company policies and regulations. Effective time management and clear documentation are essential, as your work directly impacts customers and the organization’s risk profile.

What are the key skills and qualifications needed to thrive in the disability underwriter position, and why are they important?

To thrive as a Disability Underwriter, you need strong analytical skills, attention to detail, and a background in insurance, finance, or a related field, often supported by a relevant degree. Familiarity with industry-specific underwriting software, claims management systems, and professional certifications like the Chartered Insurance Professional (CIP) designation are valuable. Excellent communication, problem-solving abilities, and negotiation skills help standout candidates collaborate effectively with clients and internal teams. These competencies ensure accurate risk assessment, informed decision-making, and high-quality service in evaluating disability insurance applications.

What is a disability underwriter?

A Disability Underwriter evaluates insurance applications to determine an applicant's risk level for disability insurance coverage. They analyze medical records, financial documents, and occupational risks to assess eligibility and premium rates. Their goal is to ensure fair underwriting decisions that balance customer needs with insurer profitability.

More about Disability Underwriter jobs
What cities are hiring for Disability Underwriter jobs? Cities with the most Disability Underwriter job openings:
What are the most commonly searched types of Disability Underwriter jobs? The most popular types of Disability Underwriter jobs are:
What states have the most Disability Underwriter jobs? States with the most job openings for Disability Underwriter jobs include:
What job categories do people searching Disability Underwriter jobs look for? The top searched job categories for Disability Underwriter jobs are:
Disability Underwriter jobs near you
Infographic showing various Disability Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 95% In-person, and 5% Hybrid job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Lead Disability Underwriter

Massachusetts Mutual Life Insurance Company (MassMutual)

Springfield, MA • On-site, Remote

$163K - $215K/yr

Full-time

Posted 14 days ago

MassMutual rating

7.8

Company rating: 7.8 out of 10

Based on 37 frontline employees who took The Breakroom Quiz

189th of 304 rated insurance

Job description

The Opportunity:
This role will primarily lead and support the modernization of MassMutual's Disability Income underwriting manual, including evaluation, redesign, and ongoing maintenance of evidence-based medical underwriting guidelines. This is a high-impact, strategic role shaping the future of DI underwriting at MassMutual and an opportunity to build next-generation underwriting guidelines that will support digital transformation and long-term risk performance. Ideal candidate will be a highly experienced Disability Underwriter.
This position is not generally attainable by all incumbents.
The Team:
You'll join a collaborative and forward-thinking team of underwriters from various backgrounds and product expertise, who are motivated to shape the underwriting landscape at MassMutual. As a team, we demonstrate accountability, agility, a dedication to being inclusive, a strong business acumen, and show courage and professionalism when advocating for a particular project or presenting a healthy challenge to the status quo.
The Impact:
  • Lead the modernization and ongoing evolution of MassMutual's Disability Income medical underwriting manual, ensuring it remains innovative, evidence-based, and aligned with business objectives.
  • Develop and maintain medical underwriting guidelines using clinical research, claims experience, emerging trends, and industry best practices.
  • Partner with Claims, Pricing, Medical Directors, Compliance, and Product teams to ensure underwriting guidance is competitive, effective, and appropriately aligned with risk objectives.
  • Translate complex medical, actuarial, and claims insights into clear, actionable underwriting guidance that promotes consistent risk assessment and decision-making.
  • Assess current underwriting frameworks and identify opportunities to improve guideline structure, usability, consistency, and scalability.
  • Support the development of digital and automated underwriting capabilities, including rules-based decisioning tools, knowledge bases, and future underwriting technologies.
  • Champion the adoption of new underwriting practices through training, change management, and ongoing engagement with underwriting teams.
  • Serve as a subject matter expert and strategic partner to underwriting leadership, helping strengthen risk governance, underwriting quality, and profitable growth.

The Minimum Qualifications
  • 10+ years of relevant work experience in DI Insurance Underwriting
  • Experience with research and writing guidelines
  • Mastery knowledge of individual DI insurance practices, underwriting standards, and operations
  • Demonstrated ability to research and interpret medical literature and translate into underwriting action
  • Must have an established approval limit without second signature

The Ideal Qualifications
  • Bachelor's Degree
  • Have an established approval limit
  • Industry exams/designations completed, e.g., ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF, RHU, CLU
  • Direct experience developing or maintaining medical underwriting manuals or formal guideline frameworks
  • Familiarity with impairment-based underwriting frameworks and clinical risk stratification
  • Experience supporting automated / digital underwriting rule implementation

What You Can Expect at MassMutual
MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. In this role, you can expect:
  • Clear areas of ownership and accountability, with work that connects directly to company and customer outcomes
  • A collaborative environment where perspectives are welcomed
  • Access to learning, development, and internal networks that support continuous growth and skill-building over time
  • Employee-led communities and forums that foster connection, learning, and inclusion across the organization
  • A culture grounded in integrity, responsibility, and stewardship-supported by a company with a strong legacy and a future-focused mindset

#LI-MC1
Salary Range:
$163,900-$215,000
At MassMutual, we focus on ensuring fair equitable pay, by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component.
Why Join Us.
We've been around since 1851. During our history, we've learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.
We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It's more than our company structure - it's our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual.
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.

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