We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.
The Premium Waiver Ability Specialist primarily investigates claims for Life Insurance Waiver of Premium but also may be responsible for claim investigations of Permanent Total Disability or Disability Extension claims. As a Premium Waiver Ability Specialist, you will collaborate with claimants, physicians, and employers to gather necessary medical and coverage information. In addition, the selected candidate shall work closely with the claimant to explain all policy benefits. The Premium Waiver Ability Specialists also partner with resources in the Long Term Disability department, and Medical/Vocational Case Managers. Through careful evaluation and cross-functional collaboration, the Ability Analysts are able to gather and analyze critical and complex medical information which allows them to properly evaluate an individual's ability to perform functional work.
RESPONSIBILITIES:
Work with internal and external customers to retrieve and relay information relevant to Premium Waiver
Gather information, make sound decisions, and draw appropriate conclusions using critical thinking and mathematical aptitude
Provide exceptional customer service using professional written and verbal communication skills
Leverage sound business knowledge and subject matter expertise to make claim decisions
Ensure claim adjudication is based on ethical evaluations and sound analysis
Maintain a dedication to meeting the expectations and requirements of internal and external customers
Help to create a positive team environment that achieves Group Benefit Claims Diversity and Inclusion initiatives and objectives
QUALIFICATIONS:
Minimum of 2 years Long Term Disability experience is preferred
Working familiarity with the THAA and or LCS/DCS claim system is preferred
Working knowledge of medical terminology is a plus
Exceptional analytical and problem-solving skills
Demonstrated passion for delivering excellence in customer experience
Excellent organizational skills, especially regarding prioritizing work activities
Ability to meet productivity targets in a fast-paced, team-oriented environment
Excellent written and verbal communication skills
Exceptionally detail oriented with the ability to maintain a high-level of quality and accuracy
WORK ARRANGEMENT:
This position offers a Hybrid or Remote work schedule:
Candidates located near one of the company’s office locations are expected to work in the office three days per week (Tuesday–Thursday)
Candidates who do not live near an office location may work fully Remote, with occasional in-office presence as business needs require.
Compensation
The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:
$50,844 - $76,267Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age
About Us | Our Culture | What It’s Like to Work Here | Perks & Benefits
Skills Required
- Analytical and problem-solving skills
- Excellent written and verbal communication skills
- Excellent organizational skills and ability to prioritize work activities
- Ability to meet productivity targets in a fast-paced, team-oriented environment
- Detail oriented with ability to maintain high quality and accuracy
- Demonstrated passion for delivering excellence in customer experience
- Minimum of 2 years Long Term Disability experience
- Working familiarity with the THAA and/or LCS/DCS claim system
- Working knowledge of medical terminology
The Hartford Financial Services Group, Inc. Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about The Hartford Financial Services Group, Inc. and has not been reviewed or approved by The Hartford Financial Services Group, Inc..
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Retirement Support — A 401(k) with matching plus an additional company contribution, alongside an employee stock purchase plan and no‑cost financial planning, signals robust long‑term savings support. HSAs/FSAs and related financial tools further strengthen overall financial well‑being.
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Leave & Time Off Breadth — At least 25 days of PTO to start, options to buy or roll over time, and paid parental leave indicate broad time‑off support. Paid leave for organ and bone marrow donation and generous disability coverage extend protection for significant life events.
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Healthcare Strength — Multiple medical, dental, and vision options with the company covering most medical and dental premiums reflect strong core health coverage. Wellness programs, fitness reimbursements, well‑being credits, and accessible behavioral health services expand depth and accessibility.
The Hartford Financial Services Group, Inc. Insights
What We Do
Human achievement is at the heart of what we do. We put our belief into action by not only ensuring individuals and businesses are well protected, but by going even further – making an impact in ways that go beyond an insurance policy
