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Insurance Claims and Policy Processing Clerks

High81.10%
Found in Industries:
Salary Range
Low (10th %)$35,510
Median$46,900
High (90th %)$68,370

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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.

The occupation "Insurance Claims and Policy Processing Clerks" faces a high automation risk of 81.1%, closely mirroring its base risk of 82.0%. This significant vulnerability is largely due to the routine and repetitive nature of many of its core duties. In particular, tasks such as preparing insurance claim forms or related documents and reviewing them for completeness, calculating the amount of a claim, and posting or attaching information to claim files are highly structured. These tasks are reliant on rule-based decision-making and standardized processes, making them especially amenable to automation by modern software systems and artificial intelligence technologies. Despite this high degree of automation susceptibility, some responsibilities within this role remain more resistant to automation. For example, clerks must organize and work with detailed office records while maintaining files for each policyholder, a task that often requires nuanced judgment and knowledge of complex administrative requirements, especially for reinstated or cancelled policies. Additionally, modifying, updating, or processing existing policies and claims to accurately reflect changes in beneficiary information, amount of coverage, or type of insurance often involves interpreting ambiguous cases or exceptions. Similarly, entering insurance- and claims-related information into database systems sometimes demands awareness of context or exceptions that automated systems may not handle effectively. Key bottleneck skills—specifically, originality—are present in this occupation but at very low levels, with rates of just 2.3% and 2.1%, respectively. This indicates that while some creative problem-solving or unique case handling might occasionally be involved, the majority of the tasks do not require high degrees of originality or complex decision-making. As a result, the occupation remains largely structured and procedural, aligning closely with the tasks that current automation technologies excel at. Therefore, except for those limited functions calling for critical human judgement or decision-making in unique cases, the role is highly exposed to technological displacement in the near future.

Filter by Automatable Status
Prepare insurance claim forms or related documents, and review them for completeness.
Partially Automatable
Calculate amount of claim.
Automatable
Post or attach information to claim file.
Automatable
Transmit claims for payment or further investigation.
Automatable
Contact insured or other involved persons to obtain missing information.
Partially Automatable
Review insurance policy to determine coverage.
Partially Automatable
Process and record new insurance policies and claims.
Partially Automatable
Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
Automatable
Correspond with insured or agent to obtain information or to inform them of account status or changes.
Automatable
Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
Partially Automatable
Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
Automatable
Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.
Partially Automatable
Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.
Automatable
Notify insurance agent and accounting department of policy cancellation.
Automatable
Pay small claims.
Automatable
Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.
Partially Automatable
Collect initial premiums and issue receipts.
Automatable
Interview clients and take their calls to provide customer service and obtain information on claims.
Partially Automatable
Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.
Automatable
Compose business correspondence for supervisors, managers, and professionals.
Automatable
Enter insurance- and claims-related information into database systems.
Automatable
Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.
Automatable
Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.
Partially Automatable
Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
Automatable
Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.
Automatable

Inspecting Equipment, Structures, or MaterialsMonitoring Processes, Materials, or SurroundingsEstimating the Quantifiable Characteristics of Products, Events, or InformationIdentifying Objects, Actions, and EventsGetting InformationJudging the Qualities of Objects, Services, or PeopleProcessing InformationEvaluating Information to Determine Compliance with StandardsAnalyzing Data or InformationMaking Decisions and Solving ProblemsThinking CreativelyUpdating and Using Relevant KnowledgeDeveloping Objectives and StrategiesScheduling Work and ActivitiesOrganizing, Planning, and Prioritizing WorkPerforming General Physical ActivitiesHandling and Moving ObjectsControlling Machines and ProcessesRepairing and Maintaining Electronic EquipmentDrafting, Laying Out, and Specifying Technical Devices, Parts, and EquipmentDocumenting/Recording InformationInterpreting the Meaning of Information for OthersCommunicating with Supervisors, Peers, or SubordinatesCommunicating with People Outside the OrganizationEstablishing and Maintaining Interpersonal RelationshipsAssisting and Caring for OthersSelling or Influencing OthersResolving Conflicts and Negotiating with OthersPerforming for or Working Directly with the PublicCoordinating the Work and Activities of OthersDeveloping and Building TeamsTraining and Teaching OthersRepairing and Maintaining Mechanical EquipmentGuiding, Directing, and Motivating SubordinatesCoaching and Developing OthersProviding Consultation and Advice to OthersPerforming Administrative ActivitiesStaffing Organizational UnitsMonitoring and Controlling ResourcesOperating Vehicles, Mechanized Devices, or EquipmentWorking with Computers

Claims Adjusters, Examiners, and Investigators
Medium51.05%
Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.
Credit Analysts
Medium60.56%
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.
Insurance Underwriters
Medium56.34%
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Loan Officers
Medium61.78%
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, loan underwriters, and payday loan officers.
Tax Examiners and Collectors, and Revenue Agents
Medium59.98%
Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.
Medical Records Specialists
High73.53%
Compile, process, and maintain medical records of hospital and clinic patients in a manner consistent with medical, administrative, ethical, legal, and regulatory requirements of the healthcare system. Classify medical and healthcare concepts, including diagnosis, procedures, medical services, and equipment, into the healthcare industry's numerical coding system. Includes medical coders.
Insurance Sales Agents
Medium58.36%
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel
Medium63.33%
Sell services to individuals or businesses. May describe options or resolve client problems.
Bill and Account Collectors
Medium65.81%
Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account, preparing statements to credit department if customer fails to respond, initiating repossession proceedings or service disconnection, and keeping records of collection and status of accounts.
Billing and Posting Clerks
High79.60%
Compile, compute, and record billing, accounting, statistical, and other numerical data for billing purposes. Prepare billing invoices for services rendered or for delivery or shipment of goods.
Bookkeeping, Accounting, and Auditing Clerks
High84.94%
Compute, classify, and record numerical data to keep financial records complete. Perform any combination of routine calculating, posting, and verifying duties to obtain primary financial data for use in maintaining accounting records. May also check the accuracy of figures, calculations, and postings pertaining to business transactions recorded by other workers.
Brokerage Clerks
High79.00%
Perform duties related to the purchase, sale, or holding of securities. Duties include writing orders for stock purchases or sales, computing transfer taxes, verifying stock transactions, accepting and delivering securities, tracking stock price fluctuations, computing equity, distributing dividends, and keeping records of daily transactions and holdings.
Correspondence Clerks
High78.29%
Compose letters or electronic correspondence in reply to requests for merchandise, damage claims, credit and other information, delinquent accounts, incorrect billings, or unsatisfactory services. Duties may include gathering data to formulate reply and preparing correspondence.
Credit Authorizers, Checkers, and Clerks
High74.20%
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.
Customer Service Representatives
High68.30%
Interact with customers to provide basic or scripted information in response to routine inquiries about products and services. May handle and resolve general complaints. Excludes individuals whose duties are primarily installation, sales, repair, and technical support.
Eligibility Interviewers, Government Programs
High66.78%
Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, social security, and public housing.
Loan Interviewers and Clerks
High69.88%
Interview loan applicants to elicit information; investigate applicants' backgrounds and verify references; prepare loan request papers; and forward findings, reports, and documents to appraisal department. Review loan papers to ensure completeness, and complete transactions between loan establishment, borrowers, and sellers upon approval of loan.
New Accounts Clerks
High67.67%
Interview persons desiring to open accounts in financial institutions. Explain account services available to prospective customers and assist them in preparing applications.
Medical Secretaries and Administrative Assistants
High79.20%
Perform secretarial duties using specific knowledge of medical terminology and hospital, clinic, or laboratory procedures. Duties may include scheduling appointments, billing patients, and compiling and recording medical charts, reports, and correspondence.
Office Clerks, General
Medium65.57%
Perform duties too varied and diverse to be classified in any specific office clerical occupation, requiring knowledge of office systems and procedures. Clerical duties may be assigned in accordance with the office procedures of individual establishments and may include a combination of answering telephones, bookkeeping, typing or word processing, office machine operation, and filing.
Insurance Appraisers, Auto Damage
Medium56.43%
Appraise automobile or other vehicle damage to determine repair costs for insurance claim settlement. Prepare insurance forms to indicate repair cost or cost estimates and recommendations. May seek agreement with automotive repair shop on repair costs.
Compliance Officers
Medium53.94%
Examine, evaluate, and investigate eligibility for or conformity with laws and regulations governing contract compliance of licenses and permits, and perform other compliance and enforcement inspection and analysis activities not classified elsewhere.
Credit Counselors
Medium58.89%
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
Tax Preparers
Medium65.75%
Prepare tax returns for individuals or small businesses.
Title Examiners, Abstractors, and Searchers
Medium60.33%
Search real estate records, examine titles, or summarize pertinent legal or insurance documents or details for a variety of purposes. May compile lists of mortgages, contracts, and other instruments pertaining to titles by searching public and private records for law firms, real estate agencies, or title insurance companies.
Telephone Operators
High76.09%
Provide information by accessing alphabetical, geographical, or other directories. Assist customers with special billing requests, such as charges to a third party and credits or refunds for incorrectly dialed numbers or bad connections. May handle emergency calls and assist children or people with physical disabilities to make telephone calls.
Court, Municipal, and License Clerks
Medium65.96%
Perform clerical duties for courts of law, municipalities, or governmental licensing agencies and bureaus. May prepare docket of cases to be called; secure information for judges and court; prepare draft agendas or bylaws for town or city council; answer official correspondence; keep fiscal records and accounts; issue licenses or permits; and record data, administer tests, or collect fees.
Interviewers, Except Eligibility and Loan
Medium54.04%
Interview persons by telephone, mail, in person, or by other means for the purpose of completing forms, applications, or questionnaires. Ask specific questions, record answers, and assist persons with completing form. May sort, classify, and file forms.
Receptionists and Information Clerks
High74.18%
Answer inquiries and provide information to the general public, customers, visitors, and other interested parties regarding activities conducted at establishment and location of departments, offices, and employees within the organization.
Legal Secretaries and Administrative Assistants
High68.79%
Perform secretarial duties using legal terminology, procedures, and documents. Prepare legal papers and correspondence, such as summonses, complaints, motions, and subpoenas. May also assist with legal research.

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