Insurance Claims Clerks
Official O*NET title: Insurance Claims and Policy Processing Clerks (43-9041.00)
Also called: claims adjudicator, claims analyst, claims clerk, claims customer service representative, claims processor
Do you do this at work?
Answer each card — it takes about a minute.
Do you do this at work?
Process and record new insurance policies and claims
Swipe right for yes, left for not me. On a keyboard: → yes, ← not me, Z undo. +2 XP per answer.
How AI is changing insurance claims clerks work
12 of 16 measurable main tasks for this job show up in real AI-use data, so we rate it Red (lots of AI use) — 75%. 3 newer tasks are not in the data yet and left out.
This shows where people already use AI, not whether the job will disappear. How we measure this.
Tasks in this job and recorded AI use
- Process and record new insurance policies and claims (main task) — some recorded AI use
- Review insurance policy to determine coverage (main task) — some recorded AI use
- Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance (main task) — some recorded AI use
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data (main task) — some recorded AI use
- Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes (main task) — some recorded AI use
- Organize or work with detailed office or warehouse records, maintaining files for each policyholder (main task) — some recorded AI use
- Prepare insurance claim forms or related documents, and review them for completeness (main task) — some recorded AI use
- Transmit claims for payment or further investigation (main task) — some recorded AI use
- Review and verify data (main task) — some recorded AI use
- Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts (main task) — some recorded AI use
- Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards (main task) — some recorded AI use
- Provide customer service (main task) — some recorded AI use
- Calculate amount of claim (main task) — no recorded AI use
- Post or attach information to claim file (main task) — no recorded AI use
- Contact insured or other involved persons to obtain missing information (main task) — no recorded AI use
- Correspond with insured or agent to obtain information or to inform them of account status or changes (main task) — too new for the AI data
- Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met (main task) — too new for the AI data
- Notify insurance agent and accounting department of policy cancellation (main task) — no recorded AI use
- Enter insurance- and claims-related information into database systems (main task) — too new for the AI data
- Compose business correspondence for supervisors, managers, and professionals — a lot of recorded AI use
- Process, prepare, and submit business or government forms — some recorded AI use
- Interview clients and take their calls to provide customer service and obtain information on claims — some recorded AI use
- Pay small claims — no recorded AI use
- Collect initial premiums and issue receipts — no recorded AI use
- Obtain computer printout of policy cancellations, or retrieve cancellation cards from file — too new for the AI data
Tasks: O*NET 31.0. AI use: Anthropic Economic Index (exact or close text match).
Your first steps (guidance)
- Week 1: Open a free AI assistant and say hello. Follow our “Getting started with AI” guide. Ask it one simple question about your work.
- Week 2: Use AI on one task you do often. Try the prompt for: “Process and record new insurance policies and claims”. Try the prompt for: “Review insurance policy to determine coverage”.
Tick your own tasks above to get a plan based on what you really do. The first 2 weeks are free; Premium (coming soon) adds weeks 3–12. New to AI? Read our beginner’s guide.
Questions about AI and insurance claims clerks
Will AI replace insurance claims clerks?
Our data can’t predict job losses, and we don’t try to. What it does show: 12 of the 19 main tasks for this job match tasks people already use AI for (Anthropic Economic Index), giving a Red rating (lots of AI use). Using AI on a task is not the same as AI doing the whole job, and 6 of the 25 listed tasks show no recorded AI use yet.
Which insurance claims clerk tasks is AI used for most?
In the data, the most AI use among this job’s tasks is for: compose business correspondence for supervisors, managers, and professionals; process, prepare, and submit business or government forms; process and record new insurance policies and claims.
Which insurance claims clerk tasks show little or no AI use?
For example: calculate amount of claim; post or attach information to claim file; contact insured or other involved persons to obtain missing information. These are good places to keep building your own skills.
How does this job compare to others?
In Microsoft Research’s “Working with AI” study, this job’s AI applicability score is equal to or higher than 89% of the occupations they scored. That measures overlap with AI chat use, not risk of job loss.
How can a insurance claims clerk start learning AI?
Start small: open a free AI assistant, try it on one task you do often, and always check facts and numbers yourself. The plan on this page is guidance, not professional advice.
See how this job ranks
Insurance Claims Clerks ranks #43 of 572 jobs for the share of main tasks with AI use (#1 = most), and #1 of 34 in Office & Admin. It’s in our top 50 jobs most changed by AI.
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