Disability Claims & Underwriting Specialist

• Design realistic scenarios involving short- and long-term disability claims, elimination periods, own-occupation and any-occupation definitions, residual and partial disability, offsets, recurrent disability and claim duration management.
• Create work products such as claim determinations, benefit calculations, medical and vocational evidence summaries, transferable-skills analyses, return-to-work plans and appeal decisions.
• Write "golden" reference responses at experienced disability-professional quality.
• Grade AI-generated responses against structured rubrics for definitional accuracy, evidentiary support, benefit-calculation correctness and procedural fairness.
• Identify misapplied disability definitions, unsupported functional conclusions, missed offsets, incorrect benefit math, and failures to document the administrative record.
• Provide written feedback the research team uses to improve model behavior.
• Participate in onboarding office hours and calibration sessions.

• Have 2+ years of professional experience in disability claims adjudication, disability underwriting, vocational rehabilitation, or leave and absence management.
• Have worked with at least one program type, such as group short-term disability, group long-term disability, individual disability income, statutory disability, or life waiver of premium.
• Understand how contract definitions, elimination periods, offsets, pre-existing-condition provisions and maximum benefit periods determine entitlement and duration.
• Can weigh medical, occupational and financial evidence and articulate a defensible determination with a documented rationale.
• Demonstrate excellent written analysis, balanced judgment and high attention to detail.
• Can distinguish claim adjudication from treating-provider clinical decisions and from formal legal advice.

• CRC, CDMS, CCM, CPDM, RN, or comparable clinical or vocational credential.
• Experience with ERISA administrative records, appeals or litigation support.
• Individual disability income underwriting, including occupation class and financial underwriting.
• Social Security, workers compensation or other-income offset coordination experience.
• Experience with FMLA, state leave programs or ADA accommodation interaction.

Project and contracting process: Mercor. Applications continue on the provider's website.