Disability Claims & Underwriting Specialist | $800 One-Time Remote
Overview
Mercor is partnering with a major AI lab to improve how frontier models reason through insurance claims. You will design realistic disability adjudication and risk-selection scenarios, evaluate AI outputs against established standards, and write reference responses that reflect experienced professional judgment. The work draws on your knowledge of short-term disability, long-term disability, own-occupation and any-occupation definitions, benefit calculations, and offsets. This remote, task-based engagement is open to claims examiners, underwriters, vocational rehabilitation specialists, and appeals reviewers across the US, Canada, and the UK.
What You'll Do7
- 1Create realistic claim scenarios that incorporate elimination periods, residual and partial disability, recurrent disability, and claim duration management.
- 2Write claim determinations, benefit calculations, medical and vocational evidence summaries, transferable-skills analyses, return-to-work plans, and appeal decisions.
- 3Draft golden reference responses that match the quality of an experienced disability professional.
- 4Score AI-generated answers against structured rubrics for definitional accuracy, evidentiary support, benefit-calculation correctness, and procedural fairness.
- 5Identify misapplied disability definitions, unsupported functional conclusions, missed offsets, incorrect benefit math, and incomplete administrative records.
- 6Provide written feedback that the research team uses to refine model behavior.
- 7Participate in onboarding office hours and calibration sessions to align on evaluation standards.
Requirements6
- 1At least 2 years of professional experience in disability claims adjudication, disability underwriting, vocational rehabilitation, or leave and absence management.
- 2Hands-on familiarity with one or more program types such as group STD, group LTD, individual disability income, statutory disability, or life waiver of premium.
- 3Understanding of how contract definitions, elimination periods, offsets, pre-existing-condition provisions, and maximum benefit periods drive entitlement and duration.
- 4Ability to evaluate medical, occupational, and financial evidence and document a clear, defensible rationale.
- 5Strong written analysis, balanced judgment, and high attention to detail.
- 6Ability to distinguish claim adjudication from treating-provider clinical decisions and from formal legal advice.
Who Should Apply
The ideal candidate has spent at least two years making disability determinations or underwriting decisions and can explain their reasoning in writing. This role fits practitioners who enjoy document-heavy analytical work and can hold AI outputs to professional standards. It is less suitable for clinicians looking for direct patient care or attorneys seeking a legal advisory role. Applications often score low when candidates have no direct claims or underwriting experience or cannot demonstrate concrete examples of benefit calculations and offset handling. Highlighting ERISA work, vocational evidence review, or specific disability contract experience will help you stand out.
Salary Insight
The pay is a flat $800 one-time payment for the completed task, not an hourly wage. For a task-based specialist engagement, this rate corresponds to a defined deliverable, so ask about the expected time commitment early to confirm it aligns with your rate expectations.
Location
Required Skills
Application Tip
Submit a short portfolio with two or three examples of claim determinations or underwriting notes you have written, focusing on how you applied contract language and calculated offsets. Mention any relevant credentials such as CRC, CDMS, CCM, or CPDM, and explicitly note ERISA experience if you have it.
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