Medical Doctor/Physician (US CITIZEN ONLY)

Job Title: Medical Doctor/Physician Medical Underwriting / Life Expectancy Assessment

Employment Type: Part-Time Contract
Work Location: 100% Remote Anywhere in the United States
Work Schedule: Flexible hours, based on assigned cases
Expected Workload: Approximately 5 15 hours per week
Engagement: 12-month contract (subject to confirmation)
Compensation: Competitive hourly bill rate based on experience

Position Overview

We are seeking an experienced Physician / Medical Underwriting Specialist to support medical underwriting activities involving the review of medical records and evaluation of life expectancy for injured claimants.

The physician will independently review medical documentation, assess medical conditions and injuries, evaluate mortality risks, and determine appropriate mortality ratings used in the annuity pricing process.

This is a fully remote, part-time opportunity. There is no direct patient care, bedside interaction, or requirement to meet with patients. All work will be performed through medical record reviews and professional clinical assessments.

Key Responsibilities

1. Medical Underwriting

• Review medical records of injured claimants to assess medical conditions, injuries, and overall health status.
• Independently evaluate life expectancy and mortality risks.
• Apply professional medical judgment, underwriting manuals, established guidelines, and validated medical research.
• Assign appropriate mortality debits for use in annuity pricing.
• Make independent underwriting decisions within established approval authority guidelines.

2. Peer Review

• Participate in periodic group discussions reviewing selected medical underwriting cases.
• Evaluate differences in medical opinions and assessments.
• Provide recommendations to improve underwriting policies and procedures.

3. Medical Research

• Research specific medical conditions, injuries, and impairments as requested.
• Review relevant medical literature and validated research.
• Provide clinical insights to support improvements in underwriting guidelines.

4. Sold Case Audits

• Periodically review samples of completed/sold cases.
• Evaluate consistency and accuracy of medical underwriting assessments.
• Identify discrepancies and recommend corrective actions where necessary.

5. Medical Consultation

• Collaborate with other medical underwriters and physician team members.
• Provide clinical opinions on specific injuries, impairments, and medical conditions.
• Support complex case evaluations and underwriting decisions.

Required Qualifications

• MD or DO degree with relevant clinical experience.
• Strong experience reviewing and interpreting medical records.
• Ability to independently assess medical conditions, injuries, and mortality risks.
• Strong clinical judgment and analytical skills.
• Ability to research medical conditions and interpret published medical literature.
• Excellent written communication and documentation skills.
• Ability to work independently and meet case review deadlines.

Preferred Qualifications

• Previous experience in medical underwriting or life insurance underwriting.
• Experience with life expectancy assessments and mortality risk evaluations.
• Knowledge of annuity pricing, structured settlements, or life settlements.
• Experience reviewing complex injury and impairment cases.
• Previous experience participating in medical peer reviews or underwriting audits.

Work Schedule & Environment

• Fully remote position candidates can work from anywhere in the United States.
• Flexible working hours with no fixed daily schedule or specific time-zone requirement.
• Approximately 5 15 hours per week, depending on assigned cases.
• Work is assigned on an as-needed basis.
• Coverage is generally organized on an alternating week-on/week-off schedule, shared with another physician.
• No bedside care, patient appointments, or direct patient interaction required.