Life Waiver of Premium Claims Specialist for FPRS (Financial Protection and Retirement Solutions)

As the Life Waiver of Premium Claims Specialist for FPRS (Financial Protection and Retirement Solutions), you will play a key role in delivering meaningful experiences that support growth—both for your career and for our team’s collective future. At Guardian, we live our Purpose every day. As champions of wellbeing for ourselves, our communities, and our consumers, we work together to turn what’s possible into reality. We believe in your aspirations for purpose, leadership, and achievement in both your professional and personal life, and this role provides the opportunity to bring those aspirations to life.

We will help build the core competencies you will need to be a successful Life Waiver of Premium Claims Specialist. In your first year, we will provide extensive training in a highly supportive environment. If you have an internal drive to investigate using your critical thinking skills, assessing policy matters, and can manage competing priorities while meeting deadlines, this is your opportunity to make a difference, grow your career, and be a part of moving the organization into the future. 

You will

• Independently adjudicate Life Waiver of Premium disability claims, including initial approvals, continuations, suspensions, and terminations, in accordance with policy language and established guidelines

• Evaluate medical, vocational, employer, and functional evidence (e.g., APS, medical records, functional capacity information) to determine initial and ongoing waiver eligibility

• Apply Life insurance policy and rider provisions, definitions, and benefit eligibility criteria accurately and consistently to support sound claim determinations

• Identify gaps, inconsistencies, or insufficiencies in evidence and take ownership to request and obtain additional information as needed

• Develop clear, well‑reasoned written decision rationale that supports adjudication outcomes and withstands quality review, audit, or appeal scrutiny

• Manage an active inventory of waiver claims, balancing timeliness, quality, regulatory expectations, and customer experience

• Partner with internal resources (e.g., medical consultants, field investigators) to resolve adjudication issues

• Communicate professionally and empathetically with policyholders, physicians, employers, representatives, and internal partners regarding claim status and decisions

• Exercise sound judgment and maintain composure when making difficult or adverse disability decisions in high‑pressure situations

• Collaborate within a team‑based, customer‑focused environment to meet service, quality, and performance standards

You have

• A college or university degree or the equivalent work experience that provides knowledge and exposure to claims, service or other principles and concepts

• At least two years of claim-related work experience (Individual Life Waiver of Premium or Disability Income Claims preferred)

• Experience and an interest in providing quality customer service both written and telephonic

• An internal drive to investigate using your critical thinking skills to assess claim and policy matters

• Strong analytical skills, with attention to detail

• Strong written and verbal communication skills

• Demonstrated experience prioritizing competing priorities with deadlines

• Working knowledge of Microsoft Office products, including Word, Excel, and Outlook 

Location

This is a hybrid role. If you are within close proximity to one of our Guardian hubs—Bethlehem, PA; Pittsfield, MA; New York City; or Boston, MA—you will work in the office three days per week, with Bethlehem or Pittsfield strongly preferred.

Salary Range:

$50,260.00 - $75,385.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals.  Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and