# Insurance Claims and Policy Processing Clerks

> Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.
- **Entity Type:** role
- **Schema Version:** role.v1
- **Soc Code:** 43-9041.00
- **Summary:** Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.

## Aliases

- Claims Processor
- Claims Representative (Claims Rep)
- Claims Technician (Claims Tech)
- Underwriting Assistant
- Claims Adjudicator
- Claims Analyst
- Claims Clerk
- Claims Customer Service Representative (Claims CSR)
- Insurance Analyst
- Policy Analyst
- Agency Service Representative (Agency Service Rep)
- Auto Claims Rep (Automotive Claims Representative)

## Tasks

| Text | Type | Iwa |
| --- | --- | --- |
| Prepare insurance claim forms or related documents, and review them for completeness. | Core | 4.A.2.a.2.a |
| Pay small claims. | Supplemental | 4.A.4.c.1.c |
| Calculate amount of claim. | Core | 4.A.2.b.1.a |
| Post or attach information to claim file. | Core | 4.A.2.a.2.c |
| Transmit claims for payment or further investigation. | Core | 4.A.4.c.1.e |
| Contact insured or other involved persons to obtain missing information. | Core | 4.A.4.a.3.c |
| Review insurance policy to determine coverage. | Core | 4.A.2.a.3.c |
| Process and record new insurance policies and claims. | Core | 4.A.3.b.6.h |
| Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. | Supplemental | 4.A.3.b.6.m |
| Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. | Core | 4.A.3.b.1.f |
| Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors. | Core | 4.A.4.a.1.b |
| Correspond with insured or agent to obtain information or to inform them of account status or changes. | Core | 4.A.4.a.3.c |

## Emerging Tasks


## Activities

| Name | Iwa |
| --- | --- |
| Check data for recording errors. | 4.A.2.a.2.a |
| Prepare documentation for contracts, transactions, or regulatory compliance. | 4.A.3.b.6.m |
| Calculate costs of goods or services. | 4.A.2.b.1.a |
| Compile data or documentation. | 4.A.2.a.2.c |
| Send information, materials or documentation. | 4.A.4.c.1.e |
| Discuss account status or activity with customers or patrons. | 4.A.4.a.3.c |
| Review customer insurance information. | 4.A.2.a.3.c |
| Maintain operational records. | 4.A.3.b.6.h |
| Enter information into databases or software programs. | 4.A.3.b.1.f |
| Explain regulations, policies, or procedures. | 4.A.4.a.1.b |
| Provide notifications to customers or patrons. | 4.A.4.a.3.c |
| Verify accuracy of financial or transactional data. | 4.A.2.a.2.a |
| Provide information to coworkers. | 4.A.4.a.2.c |
| Execute sales or other financial transactions. | 4.A.4.c.1.c |
| Collect deposits, payments or fees. | 4.A.4.c.3.d |
| Interview employees, customers, or others to collect information. | 4.A.1.a.1.w |
| Answer telephones to direct calls or provide information. | 4.A.4.a.3.c |
| Obtain personal or financial information about customers or applicants. | 4.A.1.a.1.n |
| Prepare business correspondence. | 4.A.4.c.1.a |
| Calculate financial data. | 4.A.1.b.3.c |
| Maintain financial or account records. | 4.A.3.b.6.j |

## Capabilities

| Name | Family | Value |
| --- | --- | --- |
| Customer and Personal Service | knowledge | 4.22 |
| Administrative | knowledge | 3.88 |
| Oral Comprehension | ability | 3.62 |
| Written Comprehension | ability | 3.62 |
| English Language | knowledge | 3.59 |
| Reading Comprehension | essential_skill | 3.5 |
| Time Management | transferable_skill | 3.5 |
| Oral Expression | ability | 3.5 |
| Near Vision | ability | 3.5 |
| Speech Recognition | ability | 3.5 |
| Speech Clarity | ability | 3.5 |
| Speaking | essential_skill | 3.38 |
| Written Expression | ability | 3.38 |
| Deductive Reasoning | ability | 3.38 |
| Information Ordering | ability | 3.38 |
| Active Listening | essential_skill | 3.25 |
| Critical Thinking | essential_skill | 3.25 |
| Problem Sensitivity | ability | 3.25 |
| Writing | essential_skill | 3.12 |
| Social Perceptiveness | transferable_skill | 3.12 |
| Coordination | transferable_skill | 3.12 |
| Service Orientation | transferable_skill | 3.12 |
| Inductive Reasoning | ability | 3.12 |
| Category Flexibility | ability | 3.12 |
| Monitoring | essential_skill | 3 |
| Complex Problem Solving | transferable_skill | 3 |
| Judgment and Decision Making | transferable_skill | 3 |
| Computers and Electronics | knowledge | 3 |
| Mathematics | knowledge | 2.91 |
| Negotiation | transferable_skill | 2.88 |
| Selective Attention | ability | 2.88 |
| Persuasion | transferable_skill | 2.75 |
| Perceptual Speed | ability | 2.75 |
| Active Learning | essential_skill | 2.62 |
| Learning Strategies | essential_skill | 2.62 |
| Systems Analysis | transferable_skill | 2.62 |
| Systems Evaluation | transferable_skill | 2.62 |
| Mathematical Reasoning | ability | 2.62 |
| Number Facility | ability | 2.62 |
| Flexibility of Closure | ability | 2.62 |

## Skills

| Name | Type |
| --- | --- |
| English Language | Common Skill |
| Time Management | Common Skill |
| Speech Recognition | Specialized Skill |
| Reading Comprehension | Common Skill |
| Microsoft Word | Common Skill |
| Microsoft PowerPoint | Common Skill |
| Microsoft Outlook | Common Skill |
| Microsoft Excel | Common Skill |
| Information Ordering | Specialized Skill |
| Deductive Reasoning | Common Skill |
| Critical Thinking | Common Skill |
| Active Listening | Common Skill |
| Writing | Common Skill |
| Social Perceptiveness | Common Skill |
| Inductive Reasoning | Common Skill |
| Microsoft Windows | Common Skill |
| Microsoft Access | Specialized Skill |
| Complex Problem Solving | Common Skill |
| Mathematics | Common Skill |
| Negotiation | Common Skill |
| Systems Analysis | Specialized Skill |
| Learning Strategies | Specialized Skill |
| Active Learning | Common Skill |
| Instructing | Specialized Skill |
| Visualization | Specialized Skill |
| Microsoft Internet Explorer | Common Skill |
| Finger Dexterity | Common Skill |
| Database Software | Specialized Skill |
| Telecommunications | Specialized Skill |
| Psychology | Specialized Skill |
| Geography | Specialized Skill |
| Biology | Specialized Skill |
| Depth Perception | Common Skill |
| Foreign Language | Common Skill |
| Physics | Specialized Skill |
| Chemistry | Specialized Skill |
| Presentation Software | Specialized Skill |
| Medical Software | Specialized Skill |
| Installation | Specialized Skill |
| Financial Analysis Software | Specialized Skill |

## Tools

| Example | Category | Hot | In Demand |
| --- | --- | --- | --- |
| Microsoft Excel | Spreadsheet software | yes | yes |
| Microsoft Office software | Office suite software | yes | yes |
| Microsoft Outlook | Electronic mail software | yes | yes |
| Microsoft PowerPoint | Presentation software | yes | yes |
| Microsoft Word | Word processing software | yes | yes |
| Microsoft Access | Data base user interface and query software | yes | no |
| Microsoft Windows | Operating system software | yes | no |
| Account management software | Accounting software | no | no |
| Alpha Software Alpha Five | Data base user interface and query software | no | no |
| Automated information system software | Data base user interface and query software | no | no |
| Billing software | Billing and invoicing software | no | no |
| Claim processing system software | Data base user interface and query software | no | no |
| Database software | Data base user interface and query software | no | no |
| GroupMe | Instant messaging software | no | no |
| Healthcare common procedure coding system HCPCS | Medical software | no | no |
| IBM Check Processing Control System CPSC | Data base user interface and query software | no | no |
| IBM Lotus Notes | Electronic mail software | no | no |
| Insurance rating software | Financial analysis software | no | no |
| InSystems Calligo Enterprise | Document management software | no | no |
| Medical condition coding software | Medical software | no | no |
| Medical procedure coding software | Medical software | no | no |
| MicroFocus GroupWise | Electronic mail software | no | no |
| Microsoft Internet Explorer | Internet browser software | no | no |
| Policy issuance system software | Data base user interface and query software | no | no |
| St. Paul Travelers e-CARMA | Data base user interface and query software | no | no |
| Web browser software | Internet browser software | no | no |
| Xactware Xactimate | Data base user interface and query software | no | no |

## Work Context

| Name | Value |
| --- | --- |
| E-Mail | 5 |
| Spend Time Sitting | 4.89 |
| Telephone Conversations | 4.82 |
| Importance of Being Exact or Accurate | 4.52 |
| Importance of Repeating Same Tasks | 4.48 |
| Indoors, Environmentally Controlled | 4.42 |
| Contact With Others | 4.33 |
| Determine Tasks, Priorities and Goals | 4.15 |
| Written Letters and Memos | 4.07 |
| Work With or Contribute to a Work Group or Team | 4.05 |
| Time Pressure | 3.94 |
| Spend Time Making Repetitive Motions | 3.88 |
| Face-to-Face Discussions with Individuals and Within Teams | 3.87 |
| Frequency of Decision Making | 3.79 |
| Freedom to Make Decisions | 3.76 |
| Impact of Decisions on Co-workers or Company Results | 3.6 |
| Deal With External Customers or the Public in General | 3.58 |
| Degree of Automation | 3.19 |
| Dealing With Unpleasant, Angry, or Discourteous People | 3.04 |
| Coordinate or Lead Others in Accomplishing Work Activities | 3.03 |
| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls | 2.89 |
| Physical Proximity | 2.88 |
| Conflict Situations | 2.82 |
| Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable | 2.67 |
| Level of Competition | 2.61 |
| Work Outcomes and Results of Other Workers | 2.43 |
| Consequence of Error | 2.32 |
| Health and Safety of Other Workers | 2.12 |
| Pace Determined by Speed of Equipment | 1.62 |
| Spend Time Standing | 1.54 |
| Spend Time Walking or Running | 1.48 |
| Public Speaking | 1.35 |
| Dealing with Violent or Physically Aggressive People | 1.27 |
| Exposed to Extremely Bright or Inadequate Lighting Conditions | 1.26 |
| Spend Time Kneeling, Crouching, Stooping, or Crawling | 1.21 |
| Indoors, Not Environmentally Controlled | 1.19 |
| Exposed to Cramped Work Space, Awkward Positions | 1.19 |
| Spend Time Bending or Twisting Your Body | 1.18 |
| In an Enclosed Vehicle or Operate Enclosed Equipment | 1.16 |
| Exposed to Very Hot or Cold Temperatures | 1.08 |

## Preparation

- **Job Zone:** 2
- **Job Zone Name:** Job Zone 1-2: Very Little to Some Preparation Needed
- **Education:** Usually requires a high school diploma or GED, though some occupations may not.
- **Experience:** Some occupations may need little or no previous experience; others require several months to a year of experience. For example, landscaping and groundskeeping workers might require very little training or previous experience, while agricultural equipment operators can benefit from on-the job training.
- **Svp Range:** (Below 6.0)

### Education Distribution

| Label | Percentage |
| --- | --- |
| High School Diploma | 54.85 |
| Associate's Degree (or other 2-year degree) | 21.13 |
| Some College Courses | 9.33 |
| Post-Secondary Certificate | 7.64 |
| Bachelor's Degree | 6.58 |
| Less than a High School Diploma | 0.46 |

## Person Fit

| Name | Family | Value |
| --- | --- | --- |
| Conventional | career_interest_type | 7 |
| Office Work | specific_interest_area | 6.5 |
| Enterprising | career_interest_type | 3.86 |
| Accounting | specific_interest_area | 3.69 |
| Finance | specific_interest_area | 3.05 |
| Dependability | work_style | 3 |
| Attention to Detail | work_style | 2.74 |
| Social | career_interest_type | 2.56 |
| Investigative | career_interest_type | 2.43 |
| Integrity | work_style | 2.1 |
| Management/Administration | specific_interest_area | 2.03 |
| Cautiousness | work_style | 1.86 |
| Personal Service | specific_interest_area | 1.84 |
| Law | specific_interest_area | 1.84 |
| Sales | specific_interest_area | 1.73 |
| Information Technology | specific_interest_area | 1.71 |

## Related Roles

| Soc Code | Slug | Title | Tier |
| --- | --- | --- | --- |
| 43-4051.00 | role-43-4051-00 | Customer Service Representatives | Primary-Short |
| 43-4041.00 | role-43-4041-00 | Credit Authorizers, Checkers, and Clerks | Primary-Short |
| 43-4061.00 | role-43-4061-00 | Eligibility Interviewers, Government Programs | Primary-Short |
| 43-3021.00 | role-43-3021-00 | Billing and Posting Clerks | Primary-Short |
| 43-4131.00 | role-43-4131-00 | Loan Interviewers and Clerks | Primary-Short |
| 43-3031.00 | role-43-3031-00 | Bookkeeping, Accounting, and Auditing Clerks | Primary-Long |
| 43-4021.00 | role-43-4021-00 | Correspondence Clerks | Primary-Long |
| 43-9061.00 | role-43-9061-00 | Office Clerks, General | Primary-Long |
| 43-4011.00 | role-43-4011-00 | Brokerage Clerks | Primary-Long |
| 43-4141.00 | role-43-4141-00 | New Accounts Clerks | Primary-Long |
| 13-1031.00 | role-13-1031-00 | Claims Adjusters, Examiners, and Investigators | Supplemental |
| 41-3021.00 | role-41-3021-00 | Insurance Sales Agents | Supplemental |

## Career Clusters

| Cluster | Slug |
| --- | --- |
| Financial Services | financial-services |

## Education Level

- **Category:** High school diploma or equivalent

## Study Programs

| Title | Slug |
| --- | --- |
| Business, Management, Marketing, and Related Support Services | business-management-marketing-and-related-support-services |

## Market

- **Median Wage:** 48450
- **Mean Wage:** 51980
- **Pct10Wage:** 36900
- **Pct25Wage:** 41600
- **Pct75Wage:** 59500
- **Pct90Wage:** 73100
- **Employment:** 229070
- **Area Title:** U.S.

## Industries


### Top

| Naics | Slug | Title | Level | Employment | Median Wage | Lq |
| --- | --- | --- | --- | --- | --- | --- |
| 52 | 52 | Finance and Insurance | Sector | 179320 | 48980 | 19.38 |
| 524210 | 524210 | Insurance Agencies and Brokerages | National industry | 66730 | 48950 | 45.36 |
| 524114 | 524114 | Direct Health and Medical Insurance Carriers | National industry | 24150 | 48280 | 36.2 |
| 62 | 62 | Health Care and Social Assistance | Sector | 13520 | 44840 | 0.39 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 9390 | 47790 | 2.25 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 7260 | 46960 | 0.45 |
| 44-45 | 44-45 | Retail Trade | Sector | 1910 | 46090 | 0.08 |
| 561320 | 561320 | Temporary Help Services | National industry | 1580 | 43030 | 0.4 |
| 456110 | 456110 | Pharmacies and Drug Retailers | National industry | 1380 | 46680 | 1.31 |
| 51 | 51 | Information | Sector | 820 | 35740 | 0.19 |
| 621320 | 621320 | Offices of Optometrists | National industry | 550 | 39040 | 2.43 |
| 621310 | 621310 | Offices of Chiropractors | National industry | 520 | 36550 | 2.4 |

### Concentrated

| Naics | Slug | Title | Level | Employment | Lq |
| --- | --- | --- | --- | --- | --- |
| 524210 | 524210 | Insurance Agencies and Brokerages | National industry | 66730 | 45.36 |
| 524114 | 524114 | Direct Health and Medical Insurance Carriers | National industry | 24150 | 36.2 |
| 52 | 52 | Finance and Insurance | Sector | 179320 | 19.38 |
| 621320 | 621320 | Offices of Optometrists | National industry | 550 | 2.43 |
| 621310 | 621310 | Offices of Chiropractors | National industry | 520 | 2.4 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 9390 | 2.25 |
| 456110 | 456110 | Pharmacies and Drug Retailers | National industry | 1380 | 1.31 |
| 621910 | 621910 | Ambulance Services | National industry | 120 | 0.49 |
- **Count:** 27

## Ai Signals

| Source | Label | Score | Scale | Release |
| --- | --- | --- | --- | --- |
| frey_osborne | Computerization probability | 0.98 | 0-1 probability | 2013-baseline-2016-employment-snapshot |
| felten_aioe | AI occupational exposure | 1.240201 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_image_generation_aioe | Image generation occupational exposure | 0.5369916 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_language_modeling_aioe | Language modeling occupational exposure | 1.257163 | relative exposure score | 2021-plus-generative-ai-workbooks |

## Ai Outlook


### Index

- **Value:** 90
- **Percentile:** 95
- **Band:** High
- **Version:** ai-exposure-index-v1

#### Components

| Percentile | Source |
| --- | --- |
| 84 | felten_aioe |
| 95 | openai_gpts_are_gpts |
| 90 | microsoft_working_with_ai |
- **Component Count:** 3

### Exposure

| Source | Label | Value | Percentile | Band | Note |
| --- | --- | --- | --- | --- | --- |
| felten_aioe | Overall AI exposure (Felten et al.) | 1.240201 | 84 | High | How much this job's abilities overlap with what AI systems can do, across many AI capabilities. A relative research score, not a forecast of job loss. |
| eloundou_gamma | LLM task exposure, γ (OpenAI / Eloundou) | 1 | 95 | High | Share of this job's tasks where a large language model plus simple tools could cut the time to do them by at least half. γ is capped at 1.0 and many jobs reach that ceiling, so treat a top score as 'in the top group', not a precise rank. |
| microsoft_applicability | AI assistant applicability (Microsoft) | 0.30694512312618194 | 90 | High | How applicable today's AI assistants are to this job's activities, measured from real Microsoft Copilot conversations. Applicability is not the same as replacement. |

### Frey Historical

- **Source:** frey
- **Label:** Computerization probability (Frey & Osborne, 2013)
- **Value:** 0.98
- **Percentile:** 97
- **Band:** High
- **Note:** A pre-LLM (2013) estimate of how automatable this job is by computerization and robotics. Shown for historical context only — it is not part of any current AI ranking.
- **Teleworkable:** yes

### Eloundou

- **Alpha:** 0.6666666666666666
- **Beta:** 0.8333333333333333
- **Gamma:** 1

### Usage Tasks

| Task | Usage Percent | Importance |
| --- | --- | --- |
| Compose business correspondence for supervisors, managers, and professionals. | 0.03029879749721662 | 3.69 |
| Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. | 0.010784317753246593 | 4.45 |
| Process and record new insurance policies and claims. | 0.006778714016326431 | 4.45 |
| Review insurance policy to determine coverage. | 0.005443512770686376 | 4.46 |
| Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. | 0.0035947725844155307 | 4.41 |
| Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes. | 0.0035947725844155307 | 4.14 |
- **Usage Release:** 2026-01-15-v4-plus-2025-03-27-v2

### Bls

- **Growth Percent:** -3.7
- **Growth Percentile:** 15
- **Direction:** Declining
- **Annual Openings Thousands:** 20.3
- **Annual Openings Percentile:** 78
- **Employment2024Thousands:** 256.7
- **Employment2034Thousands:** 247.2

### Sources

| Source | Version |
| --- | --- |
| bls_employment_projections | 2024-2034 |
| dingel_neiman | dingel-neiman-workathome |
| felten_aioe | felten-raj-seamans-aioe |
| frey_osborne | frey-osborne-automation |
| microsoft_working_with_ai | working-with-ai |
| openai_gpts_are_gpts | gpts-are-gpts |

## Counts

- **Tasks:** 25
- **Skills:** 43
- **Capabilities:** 120
- **Tools:** 27
- **Related Roles:** 20

## Source

- **Dataset:** gold.onet_role_starter_surface
- **Version:** 30.3
- **Generated At:** 2026-06-02T21:00:32.945303+00:00
- **Content Hash:** cde1c46e8078eeb5