Summary Report for:
43-9041.01 - Insurance Claims Clerks
Obtain information from insured or designated persons for purpose of settling claim with insurance carrier.
Sample of reported job titles:
Claims Representative, Customer Service Representative (CSR), Claims Service Representative, Claims Technician, Claims Examiner, Claims Processor, Claims Customer Service Representative (Claims CSR), Insurance Specialist, Claims Adjudicator, Claims Adjuster
Tasks | Tools & Technology | Knowledge | Skills | Abilities | Work Activities | Work Context | Job Zone | Education | Interests | Work Styles | Work Values | Related Occupations | Wages & Employment | Additional Information
Tasks
- Review insurance policy to determine coverage.
- 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.
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
- Post or attach information to claim file.
- Pay small claims.
- Transmit claims for payment or further investigation.
- Contact insured or other involved persons to obtain missing information.
- Calculate amount of claim.
- Apply insurance rating systems.
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Tools & Technology
Tools used in this occupation:
| Calculators or accessories — 10-key calculators |
| Desktop computers |
| Dictation machines |
| Personal computers |
Technology used in this occupation:
| Accounting software — Billing software |
| Data base user interface and query software — Alpha Software Alpha Five; Data entry software; IBM Check Processing Control System CPSC; St. Paul Travelers e-CARMA |
| Internet browser software — Web browser software |
| Office suite software — Microsoft Office software |
| Spreadsheet software — Microsoft Excel |
| Word processing software — Microsoft Word |
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Knowledge
| 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. |
| Clerical — Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology. |
| English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. |
| Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. |
| Computers and Electronics — Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming. |
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Skills
| Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. |
| Reading Comprehension — Understanding written sentences and paragraphs in work related documents. |
| Speaking — Talking to others to convey information effectively. |
| Social Perceptiveness — Being aware of others' reactions and understanding why they react as they do. |
| Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. |
| Writing — Communicating effectively in writing as appropriate for the needs of the audience. |
| Service Orientation — Actively looking for ways to help people. |
| Time Management — Managing one's own time and the time of others. |
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Abilities
| Written Comprehension — The ability to read and understand information and ideas presented in writing. |
| Oral Expression — The ability to communicate information and ideas in speaking so others will understand. |
| Speech Recognition — The ability to identify and understand the speech of another person. |
| Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences. |
| Speech Clarity — The ability to speak clearly so others can understand you. |
| Near Vision — The ability to see details at close range (within a few feet of the observer). |
| Written Expression — The ability to communicate information and ideas in writing so others will understand. |
| Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). |
| Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense. |
| Selective Attention — The ability to concentrate on a task over a period of time without being distracted. |
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Work Activities
| Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources. |
| Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data. |
| Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards. |
| Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information. |
| Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time. |
| Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. |
| Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work. |
| Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form. |
| Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork. |
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Work Context
| Telephone — How often do you have telephone conversations in this job? |
| Letters and Memos — How often does the job require written letters and memos? |
| Face-to-Face Discussions — How often do you have to have face-to-face discussions with individuals or teams in this job? |
| Spend Time Sitting — How much does this job require sitting? |
| Importance of Being Exact or Accurate — How important is being very exact or highly accurate in performing this job? |
| Contact With Others — How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it? |
| Importance of Repeating Same Tasks — How important is repeating the same physical activities (e.g., key entry) or mental activities (e.g., checking entries in a ledger) over and over, without stopping, to performing this job? |
| Freedom to Make Decisions — How much decision making freedom, without supervision, does the job offer? |
| Electronic Mail — How often do you use electronic mail in this job? |
| Frequency of Decision Making — How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization? |
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Job Zone
| Title |
Job Zone Two: Some Preparation Needed |
| Education |
These occupations usually require a high school diploma. |
| Related Experience |
Some previous work-related skill, knowledge, or experience is usually needed. For example, a teller would benefit from experience working directly with the public. |
| Job Training |
Employees in these occupations need anywhere from a few months to one year of working with experienced employees. A recognized apprenticeship program may be associated with these occupations. |
| Job Zone Examples |
These occupations often involve using your knowledge and skills to help others. Examples include sheet metal workers, forest fire fighters, customer service representatives, physical therapist aides, salespersons (retail), and tellers. |
| SVP Range |
(4.0 to < 6.0) |
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Education
Percentage of Respondents |
Education Level Required |
54   |
High school diploma or equivalent |
| 38 |
Some college, no degree |
| 5 |
Associate's degree |
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Interests
Interest code: CE
| Conventional — Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow. |
| Enterprising — Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. |
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Work Styles
| Attention to Detail — Job requires being careful about detail and thorough in completing work tasks. |
| Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations. |
| Integrity — Job requires being honest and ethical. |
| Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude. |
| Adaptability/Flexibility — Job requires being open to change (positive or negative) and to considerable variety in the workplace. |
| Initiative — Job requires a willingness to take on responsibilities and challenges. |
| Self Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations. |
| Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high stress situations. |
| Concern for Others — Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job. |
| Achievement/Effort — Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks. |
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Work Values
| Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service. |
| Support — Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical. |
| Working Conditions — Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions. |
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Related Occupations
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Wages & Employment Trends
National
Median wages data collected from Insurance Claims and Policy Processing Clerks.
Employment data collected from Insurance Claims and Policy Processing Clerks.
Industry data collected from Insurance Claims and Policy Processing Clerks.
| Median wages (2011) |
$16.93 hourly, $35,210 annual |
| Employment (2010) |
248,000 employees |
| Projected growth (2010-2020) |
Slower than average (3% to 9%)
|
| Projected job openings (2010-2020) |
96,000 |
| Top industries (2010) |
|
State & National
Source: Bureau of Labor Statistics 2011 wage data
and 2010-2020 employment projections
.
"Projected growth" represents the estimated change in total employment over the projections period (2010-2020). "Projected job openings" represent openings due to growth and replacement.
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Sources of Additional Information
Disclaimer:
Sources are listed to provide additional information on related jobs, specialties, and/or industries.
Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.
- Financial Clerks
. Bureau of Labor Statistics, U.S. Department of Labor. Occupational Outlook Handbook, 2012-13 Edition.
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Bright Outlook