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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.
Also Known As:
Claims Adjudicator
Claims Analyst
Claims Clerk
Claims Customer Service Representative (Claims CSR)
Claims Processor
Claims Representative (Claims Rep)
Claims Technician (Claims Tech)
Insurance Analyst
Policy Analyst
Underwriting Assistant
Wages
Annual wages for Insurance Claims and Policy Processing Clerks in United States
Job Outlook
Below Average
New job opportunities are less likely in the future
United States
2033 Projected Employment
261,300
-4% Change From 2023
Explore Insurance Claims and Policy Processing Clerks video
Tasks you might complete in a day.
- Review insurance policy to determine coverage.
- Prepare insurance claim forms or related documents, and review them for completeness.
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
- Process and record new insurance policies and claims.
- Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
- Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.
- Notify insurance agent and accounting department of policy cancellation.
- Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.
- Transmit claims for payment or further investigation.
- Prepare insurance claim forms or related documents, and review them for completeness.
- Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
- Calculate amount of claim.
- Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
- Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.
- Collect initial premiums and issue receipts.
- Post or attach information to claim file.
- Pay small claims.
- Interview clients and take their calls to provide customer service and obtain information on claims.
- Contact insured or other involved persons to obtain missing information.
- Correspond with insured or agent to obtain information or to inform them of account status or changes.
- Interview clients and take their calls to provide customer service and obtain information on claims.
- Compose business correspondence for supervisors, managers, and professionals.
- Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.
Subject areas you may need to master.
- Economics and Accounting - Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
- Administrative - Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
- Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
- Mechanical - Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
- Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
- Design - Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
- Personnel and Human Resources - Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
- Education and Training - Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
- Medicine and Dentistry - Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
- Telecommunications - Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
- Chemistry - Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
- Transportation - Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
- Geography - Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.
- Biology - Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
- Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
- Food Production - Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
- History and Archeology - Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
- Psychology - Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
- Sociology and Anthropology - Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
- Production and Processing - Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
- Engineering and Technology - Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
- Building and Construction - Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
- Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
- Therapy and Counseling - Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
- Foreign Language - Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
- English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
- Philosophy and Theology - Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
- Communications and Media - Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
- Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
- Fine Arts - Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
- Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
- Physics - Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
- Public Safety and Security - Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
Strengths you may need in this role.
- Quality Control Analysis - Testing how well a product or service works.
- Management of Material Resources - Managing equipment and materials.
- Writing - Writing things for co-workers or customers.
- Monitoring - Keeping track of how well people and/or groups are doing in order to make improvements.
- Negotiation - Bringing people together to solve differences.
- Management of Financial Resources - Making spending decisions and keeping track of what is spent.
- Judgment and Decision Making - Thinking about the pros and cons of different options and picking the best one.
- Time Management - Managing your time and the time of other people.
- Reading Comprehension - Reading work-related information.
- Active Learning - Figuring out how to use new ideas or things.
- Programming - Writing computer programs.
- Speaking - Talking to others.
- Operations Analysis - Figuring out what a product or service needs to be able to do.
- Instructing - Teaching people how to do something.
- Troubleshooting - Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
- Operations Monitoring - Watching gauges, dials, or display screens to make sure a machine is working.
- Operation and Control - Using equipment or systems.
- Repairing - Repairing machines or systems using the right tools.
- Complex Problem Solving - Noticing a problem and figuring out the best way to solve it.
- Critical Thinking - Thinking about the pros and cons of different ways to solve a problem.
- Installation - Installing equipment, machines, wiring, or computer programs.
- Mathematics - Using math to solve problems.
- Learning Strategies - Using the best training or teaching strategies for learning new things.
- Persuasion - Talking people into changing their minds or their behavior.
- Management of Personnel Resources - Selecting and managing the best workers for a job.
- Systems Analysis - Figuring out how a system should work and how changes in the future will affect it.
- Active Listening - Listening to others, not interrupting, and asking good questions.
- Service Orientation - Looking for ways to help people.
- Equipment Maintenance - Planning and doing the basic maintenance on equipment.
- Systems Evaluation - Measuring how well a system is working and how to improve it.
- Coordination - Changing what is done based on other people's actions.
- Technology Design - Making equipment and technology useful for customers.
- Social Perceptiveness - Understanding people's reactions.
- Science - Using scientific rules and strategies to solve problems.
- Equipment Selection - Deciding what kind of tools and equipment are needed to do a job.
- Written Comprehension - Reading and understanding what is written.
- Deductive Reasoning - Using rules to solve problems.
- Spatial Orientation - Knowing where things are around you.
- Manual Dexterity - Holding or moving items with your hands.
- Rate Control - Changing when and how fast you move based on how something else is moving.
- Mathematical Reasoning - Choosing the right type of math to solve a problem.
- Perceptual Speed - Quickly comparing groups of letters, numbers, pictures, or other things.
- Response Orientation - Quickly deciding if you should move your hand, foot, or other body part.
- Speed of Closure - Quickly knowing what you are looking at.
- Selective Attention - Paying attention to something without being distracted.
- Control Precision - Quickly changing the controls of a machine, car, truck or boat.
- Wrist-Finger Speed - Making fast, simple, repeated movements of your fingers, hands, and wrists.
- Category Flexibility - Grouping things in different ways.
- Time Sharing - Doing two or more things at the same time.
- Explosive Strength - Jumping, sprinting, or throwing something.
- Speech Clarity - Speaking clearly.
- Extent Flexibility - Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
- Trunk Strength - Using your lower back and stomach.
- Speech Recognition - Recognizing spoken words.
- Visual Color Discrimination - Noticing the difference between colors, including shades and brightness.
- Gross Body Equilibrium - Keeping your balance or staying upright.
- Oral Comprehension - Listening and understanding what people say.
- Inductive Reasoning - Making general rules or coming up with answers from lots of detailed information.
- Memorization - Remembering words, numbers, pictures, or steps.
- Dynamic Strength - Exercising for a long time without your muscles getting tired.
- Near Vision - Seeing details up close.
- Gross Body Coordination - Moving your arms, legs, and mid-section together while your whole body is moving.
- Written Expression - Communicating by writing.
- Oral Expression - Communicating by speaking.
- Dynamic Flexibility - Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
- Hearing Sensitivity - Telling the difference between sounds.
- Stamina - Exercising for a long time without getting out of breath.
- Glare Sensitivity - Seeing something even if there is a glare or very bright light.
- Depth Perception - Deciding which thing is closer or farther away from you, or deciding how far away it is from you.
- Far Vision - Seeing details that are far away.
- Problem Sensitivity - Noticing when problems happen.
- Flexibility of Closure - Seeing hidden patterns.
- Auditory Attention - Paying attention to one sound while there are other distracting sounds.
- Peripheral Vision - Seeing something to your side when your are looking ahead.
- Originality - Creating new and original ideas.
- Fluency of Ideas - Coming up with lots of ideas.
- Number Facility - Adding, subtracting, multiplying, or dividing.
- Static Strength - Lifting, pushing, pulling, or carrying.
- Speed of Limb Movement - Quickly moving your arms and legs.
- Sound Localization - Noticing the direction that a sound came from.
- Visualization - Imagining how something will look after it is moved around or changed.
- Finger Dexterity - Putting together small parts with your fingers.
- Reaction Time - Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
- Arm-Hand Steadiness - Keeping your arm or hand steady.
- Information Ordering - Ordering or arranging things.
- Multilimb Coordination - Using your arms and/or legs together while sitting, standing, or lying down.
- Night Vision - Seeing at night or under low light.
Average Education Attained
Highest level of education earned by people in this career.
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Content sourced from United States Department of Labor Employment and Training Administration ("DOLETA") and the Minnesota Department of Employment & Economic Development ("DEED")