Medical Consultant

When you join the team at Unum , you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

- Award-winning culture

- Inclusion and diversity as a priority

- Performance Based Incentive Plans

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Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability

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Generous PTO (including paid time to volunteer!)

- Up to 9.5% 401(k) employer contribution

- Mental health support

- Career advancement opportunities

- Student loan repayment options

- Tuition reimbursement

- Flexible work environments

*All the benefits listed above are subject to the terms of their individual Plans .
And that’s just the beginning…

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
General Summary:
We’re expanding our team of experienced physicians specializing in Internal Medicine, Family Practice, Occupational Medicine, and Physical Medicine & Rehabilitation to join us as expert Medical Consultants. This is a unique opportunity to leverage your clinical expertise in a full‑time role—without direct patient care.

As a Medical Consultant, you’ll apply your medical training to review and evaluate clinical documentation for disability claims in a collaborative, team‑oriented environment.

This position is responsible for providing expert medical analysis of claims files (or underwriting applications) across Unum US product lines. The incumbent provides high quality, timely, and efficient medical consultative services to the Benefits Center. The Medical Consultant adheres to current regulatory, claim process, and internal workflow standards as set forth in the Benefits Center Claims Manual, underwriting manual, and associated documentation. The incumbent adheres to accepted norms of medical practices and Code of Conduct guidelines. Physicians and psychologists conduct their reviews and analyses within appropriate ethical standards and maintain their professional licenses and Board certifications. This role is expected to provide excellent customer service and to interact on a regular basis with business partners, health care providers, and other specialized resources. Principal Duties and Responsibilities

- Provide timely, clear medical direction and opinions to team partners, with reasoned forensic analysis to support the medical opinions

- Partner/consult with fellow medical consultants when appropriate to ensure the completion of a whole person analysis

- Apply medical knowledge to determine functional capacity through assessment of medical and other data related to impairment, regarding accuracy of diagnoses, treatment plans, duration guidelines, and prognosis

- Provide relevant medical education and knowledge to others in terms appropriate and understandable to the intended audience

- Perform telephone contacts with the insured’s healthcare providers to gather medical information and to facilitate a better understanding of the claimant's functional abilities

- Make timely and appropriate referrals for second opinion reviews when appropriate or required according to current guidelines and best practices

- Demonstrate ability to manage and complete high volumes of assigned work, maintain consistently good turnaround times, and operate with a sense of urgency

- Focus not only on individual workload, but on the team/group work volumes to ensure organizatio