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Disability Underwriter Jobs (NOW HIRING)

Aflac Incorporated

PLADS Group Underwriter III

Columbus, GA · On-site +1

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Aflac

PLADS Group Underwriter III

Columbus, GA · On-site +1

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Aflac, Incorporated

PLADS Group Underwriter III

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Aflac Incorporated

PLADS Group Underwriter III

Shelton, CT · On-site +1

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Aflac Incorporated

PLADS Group Underwriter III

Shelton, CT · Hybrid

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Aflac

PLADS Group Underwriter III

Shelton, CT · On-site

$90K - $120K/yr

Solid Group Life/Disability underwriting knowledge * Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures * Strong ...

Appalachian Underwriters, Inc.

Underwriter

Chicago, IL

$70K - $85K/yr

Appalachian Underwriters, Inc., part of Acrisure, is looking for an Underwriter. This role will ... Comprehensive medical insurance, dental insurance, and vision insurance; life and disability ...

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.

Go McPherson

Underwriter

Mcpherson, KS · On-site

SUMMARY Underwrite a profitable and growing book of business with acceptable loss and expense ... Reasonable accommodation may be made to enable individuals with disabilities to perform the ...

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All JobsDisability Underwriter Jobs

Disability Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do disability underwriter jobs pay per year?

As of Jun 30, 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 is the most difficult aspect of underwriting disability insurance?

Disability underwriters face the challenge of accurately assessing an applicant's risk by evaluating medical histories, occupation, and lifestyle factors, which can be complex and subjective. They must also interpret medical reports and predict future disability risks, often with limited information, requiring strong analytical skills and attention to detail.

Will underwriters be replaced by AI?

Disability underwriters analyze applications and assess risk, and AI tools are increasingly used to automate data analysis and streamline decision-making. While AI can assist with routine tasks, human underwriters are still essential for complex cases, ethical considerations, and final approval processes. The role is evolving to include oversight of AI systems and interpretation of nuanced information.

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 the highest paid underwriter?

The highest paid underwriters are typically senior-level professionals in specialized fields such as reinsurance or large corporate accounts, earning salaries that can exceed $150,000 annually, with some reaching over $200,000 including bonuses and profit sharing. Compensation varies based on experience, industry, location, and the complexity of the underwriting work.

What does a disability underwriter do?

A disability underwriter evaluates insurance applications to determine the risk of insuring an individual against disability. They review medical records, assess policy terms, and decide on coverage eligibility and premium rates, often using specialized underwriting software. Strong analytical skills and knowledge of health conditions are essential for this role.

What is a Disability Underwriter job?

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:
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Disability Underwriter jobs near you
Infographic showing various Disability Underwriter job openings in the United States as of June 2026, with employment types broken down into 50% As Needed, and 50% Nights. Highlights an 72% Physical, 11% Hybrid, and 17% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Senior Life and Disability Underwriter

Firma de Reclutamiento en PR

Guaynabo, PR

$45K/yr

Full-time

Posted 5 days ago

Job description

Salary: $45k per year
Requirements:
  • Bachelor’s degree in Business Administration, Natural Sciences, or a related field.
  • Minimum of five (5) years of experience in insurance underwriting and risk assessment within Life, Accident & Disability, and/or Health lines.
  • Strong experience in underwriting Life, Disability, and SINOT products, including quoting, policy issuance, and endorsements for group accounts.
  • Ability to manage operational and service processes such as renewals, conversions, onboarding of new groups, and client support.
  • Full proficiency in Spanish and English, both written and verbal.
     
Employer with Equal Employment Opportunities.