Associate Medical Underwriter

StanCorp Financial Group, Inc; United States; Remote; USD 35,000 - 51,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401(k) plan with matching

Job summary

The Standard is seeking an Associate Medical Underwriter to evaluate evidence of insurability for employee benefit applicants and make risk-based underwriting decisions that balance customer needs with sound risk management. You will review medical information and apply underwriting guidelines while partnering with internal teams and employers to deliver a positive customer experience.

Independent judgment and analysis of medical data are essential as you contribute to projects that support

Qualifications

• High school diploma or equivalent required.
• 2+ years of claims, employee benefits, or related insurance experience.
• Basic understanding of risk analysis and medical underwriting philosophy.
• Ability to interpret underwriting guidelines and insurance contracts.
• Strong written and verbal communication with a customer focus.
• Experience reviewing or interpreting medical information preferred.

Responsibilities

• Review medical evidence and determine insurability for employee benefit applicants.
• Apply underwriting guidelines, contract provisions, and regulatory requirements to risk decisions.
• Analyze medical histories, exam results, and related documentation to assess risk.
• Communicate underwriting decisions and information clearly to internal and external partners.
• Participate in projects and process improvement initiatives that support team performance and customer experience.

Skills

Medical underwriting

Risk analysis

Underwriting guidelines

Education

High school diploma or equivalent

Job description

The next part of your journey is right around the corner - with The Standard. A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?

Job Summary

As an Associate Medical Underwriter, you will evaluate evidence of insurability for employee benefit applicants and make risk-based underwriting decisions that balance customer needs with sound risk management. In this role, you will review medical information, apply underwriting guidelines and contract provisions, and partner with internal teams, field representatives, employers, and employees to deliver a positive customer experience. You'll exercise independent judgment, analyze medical and insurance-related information, and contribute to projects that support continuous improvement and team goals.

Key Responsibilities

• Review medical evidence and determine insurability for employee benefit applicants.
• Apply underwriting guidelines, contract provisions, and regulatory requirements to risk decisions.
• Analyze medical histories, exam results, and related documentation to assess risk.
• Communicate underwriting decisions and information clearly to internal and external partners.
• Participate in projects and process improvement initiatives that support team performance and customer experience.

Skills and Background

• Education: High school diploma or equivalent required.
• Experience: 2+ years of experience in claims, employee benefits, insurance, or a related field required.
• Basic understanding of risk analysis and medical underwriting philosophy, and an interest in learning about and analyzing medical information.
• Ability to interpret and apply underwriting guidelines, insurance contracts, and applicable regulations.
• Strong written and verbal communication skills with a customer-focused approach.
• Experience reviewing, analyzing, or interpreting medical information preferred.
• Medical underwriting experience preferred.

Key Behaviors of a Successful Candidate

• Adaptability: Sees possibilities in changing circumstances, accepts and understands change, and adjusts quickly to changing priorities and business needs.
• Customer Focus: Builds positive relationships and delivers responsive, high-quality service to internal and external customers.
• Winning Together: Works effectively with others, shares information openly, and supports team goals and outcomes.

Why Join The Standard?

We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:

• A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions
• An annual incentive bonus plan
• Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually - PTO increases with tenure
• A supportive, responsive management approach and opportunities for career growth and advancement
• Paid parental leave and adoption/surrogacy assistance
• An employee giving program that double matches your donations to eligible nonprofits and schools

In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard.

Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance. The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.

Salary Range: 25.36 - 37.26

Positions will be posted for at least 5 days from original posting date.

Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are affirmative action/equal opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug-and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.

The Standard is a family of companies dedicated to helping its customers achieve financial well-being and peace of mind. In business since 1906, we’re a leading provider of group and individual disability insurance, group life, dental and vision insurance, voluntary (employee-paid) benefits, absence management services, and retirement plans and annuities for employers and individuals. For more information about The Standard, visit www.standard.com or follow us on LinkedIn and Instagram.