Disability Income Underwriting Strategist

MassMutual; Springfield (MA); On-site; USD 120,000 - 180,000; Full time

Job summary

MassMutual is seeking a highly experienced Disability Income underwriter to lead modernization of medical and non-medical underwriting guidelines. The role requires translating complex clinical and industry information into practical guidance for underwriters and partnering with medical directors, claims, pricing, and leadership to balance risk objectives.

The ideal candidate will drive impairment-based frameworks, support digital underwriting initiatives, and contribute to training and change

Qualifications

• 8+ years of work experience in Individual Disability Income Insurance Underwriting or 8+ years as an Occupational Health Nurse.
• 8+ years of progressive experience in DI underwriting, including medical risk assessment, underwriting standards interpretation, and underwriting operations.
• 8+ years of experience evaluating medical evidence and applying underwriting guidelines to assess insurability and risk.
• 8+ years of experience conducting research and analysis of medical, claims, underwriting, and industry data, translating findings into underwriting recommendations and decisions.
• Individual Disability Income underwriting approval authority of at least $15,000

Responsibilities

• Support the modernization and ongoing evolution of MassMutual’s Disability Income medical and non-medical underwriting manuals.
• Research medical conditions, treatment advances, clinical outcomes, claims experience, and industry practices to support updated underwriting guidance.
• Draft, review, and refine medical underwriting guidelines that translate clinical and risk information into actionable direction for underwriters.
• Partner with the DI Head Underwriter, Lead Disability Underwriter, Medical Directors, Claims, Pricing, Compliance, Product, and underwriting leadership to ensure guideline recommendations are balanced.
• Contribute to impairment-based underwriting frameworks and support development of consistent risk stratification approaches.
• Support digital and automated underwriting initiatives by translating guidelines into rules-based decisioning, knowledge-base content, and future underwriting technology requirements.
• Assist with training, communication, and change management to promote adoption of updated underwriting guidance across underwriting teams.

Skills

Disability Income underwriting

Underwriting expertise

Medical risk assessment

Research and analysis

Guideline development

Education

Bachelor's Degree

Job description

MassMutual is seeking a highly experienced Disability Income underwriter to lead modernization of medical and non-medical underwriting guidelines. The role requires translating complex clinical and industry information into practical guidance for underwriters and partnering with medical directors, claims, pricing, and leadership to balance risk objectives.

The ideal candidate will drive impairment-based frameworks, support digital underwriting initiatives, and contribute to training and change