Skills it runs on
The capabilities O*NET rates most important for this occupation — the human ground the work is built on.
See all skills →Claims Adjusters, Examiners, and Investigators
Occupation · SOC 13-1031.00
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.
Also called: Claims Adjuster · Claims Analyst · Claims Examiner · Claims Representative · Claims Specialist · Corporate Claims Examiner · Field Claims Adjuster · General Adjuster · Home Office Claims Specialist · Litigation Claims Representative · Accident Investigator · Adjuster
Job family: Business and Financial Operations Occupations
Take this to your AI
A source-stamped Markdown brief of this occupation — paste it into an agent, or fetch
/roles/role-13-1031-00/context.md directly.
AI work map
A fast read on where AI already shows up in this occupation, where it stays a copilot, where humans remain in the loop, and what the labor market is doing. Built from observed Claude.ai conversations mapped to O*NET tasks and from published research — measures of usage and exposure, not advice or predictions that the job is going away.
Market signal
Independent published positions, read together — not a forecast.
- Declining employment outlook (-5.1% by 2034)
- 21,100 openings/yr
- High AI exposure
- Median pay $76,790/yr
- Can largely be done remotely (teleworkable)
- Both the 2013 computerization estimate and today's AI exposure rank this high
85th-percentile task overlap — yet about 21,100 openings a year (-5.1% projected, BLS) . What exposure means →
AI & job outlook
What today's research says about this occupation's exposure to AI, how AI is actually being used in it, and where employment is headed. These are positions within published studies — measures of exposure and usage, not predictions that this job will disappear.
Exposure to current AI
Each study uses its own scale, so the raw scores are not comparable across rows — the percentile (this job's rank among all U.S. occupations with data) is the comparable figure, and sizes the bars.
| Measure | Rank vs all occupations | Percentile | Score |
|---|---|---|---|
| Overall AI exposure (Felten et al.) High | 85th | 1.3 | |
| LLM task exposure, γ (OpenAI / Eloundou) High | 88th | 1.0 | |
| AI assistant applicability (Microsoft) High | 70th | 0.2 |
OpenAI's exposure study scores tasks three ways: with a language model alone (α 0.1), with simple added tooling (β 0.5), and including AI-powered software (γ 1.0). Higher means more of the job's tasks could be done at least twice as fast — not that they will be automated away.
Most of this job's tasks can be done remotely (Dingel–Neiman), which tends to track with higher digital and AI exposure.
Historical automation estimate (2013)
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.
Frey–Osborne probability 1.0 · 97th percentile among occupations · High
How AI is actually used in this job
Among measured AI assistant conversations mapped to this occupation (Anthropic Economic Index, 2026-01-15), these task types came up most. These are shares of observed AI conversations — not shares of the job, of worker time, or of what could be automated.
| Analyze information gathered by investigation and report findings and recommendations. | 1.0% | |
| Examine claims forms and other records to determine insurance coverage. | 0.2% | |
| Prepare reports to be submitted to company's data processing department. | 0.2% |
Job outlook
Independent U.S. Bureau of Labor Statistics employment projection for 2024–2034 — a labor-market forecast, not an AI-impact forecast.
| Outlook | Declining · -5.1% by 2034 |
| Projected annual openings | 21,100 |
| Employment 2024 → 2034 | 356,100 → 337,900 |
“Annual openings” counts new jobs plus replacements for workers who leave the occupation, so it can be large even when growth is modest.
Where this work sits on the global GenAI gradient
The ILO's 2025 global study scores generative-AI exposure on the international ISCO-08 occupation system, not US SOC. Bridged through the published (and approximate, many-to-many) IBS O*NET-SOC ↔ ISCO-08 crosswalk, this US occupation corresponds to the international occupation below. Exposure here means how much of the work's tasks today's AI can attempt — task overlap, not automation, adoption, or jobs lost.
Claims Adjusters, Examiners, and Investigators sits at the 83rd percentile of 427
occupations on the global GenAI task-exposure gradient
— exposure rose from 2023 to 2025. Each dot is one occupation; the
ringed one is this work. Exposure is task overlap, not automation or jobs lost.
45% mean task exposure (2025)
83rd percentile of 427 placed occupations
+6 pts shift 2023 → 2025
| International occupation (ISCO-08) | Task exposure (2025) | Most tasks fall in |
|---|---|---|
| Valuers and Loss Assessors · 3315 | 45% | Gradient 2 |
Read the whole six-band gradient on the GenAI exposure gradient page. The crosswalk is approximate: a US occupation can map to several international ones, and the ILO scores describe the international occupation, not this exact US role.
Tasks
All 29 tasks O*NET lists for this occupation, ordered by importance. Each links to its own page with AI-exposure and observed-use detail.
- Examine claims forms and other records to determine insurance coverage. Core · importance 4.8
- Analyze information gathered by investigation and report findings and recommendations. Core · importance 4.8
- Pay and process claims within designated authority level. Core · importance 4.8
- Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio. Core · importance 4.7
- Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures. Core · importance 4.7
- Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. Core · importance 4.7
- Investigate and assess damage to property and create or review property damage estimates. Core · importance 4.6
- Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. Core · importance 4.6
- Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. Core · importance 4.6
- Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation. Core · importance 4.6
- Resolve complex, severe exposure claims, using high service oriented file handling. Core · importance 4.5
- Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies. Core · importance 4.4
- Confer with legal counsel on claims requiring litigation. Core · importance 4.4
- Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments. Core · importance 4.4
- Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis. Core · importance 4.3
- Refer questionable claims to investigator or claims adjuster for investigation or settlement. Core · importance 4.3
- Collect evidence to support contested claims in court. Core · importance 4.3
- Supervise claims adjusters to ensure that adjusters have followed proper methods. Supplemental · importance 4.2
- Contact or interview claimants, doctors, medical specialists, or employers to get additional information. Core · importance 4.0
- Conduct detailed bill reviews to implement sound litigation management and expense control. Supplemental · importance 4.0
- Communicate with reinsurance brokers to obtain information necessary for processing claims. Supplemental · importance 4.0
- Present cases and participate in their discussion at claim committee meetings. Core · importance 3.9
- Report overpayments, underpayments, and other irregularities. Core · importance 3.8
- Attend mediations or trials. Core · importance 3.7
- Examine titles to property to determine validity and act as company agent in transactions with property owners. Supplemental · importance 3.7
- Prepare reports to be submitted to company's data processing department. Supplemental · importance 3.7
- Obtain credit information from banks and other credit services. Supplemental · importance 2.9
- Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.
- Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.
Work activities
- Calculate data to inform organizational operations.
- Investigate legal issues.
- Prepare legal or investigatory documentation.
- Estimate costs of goods or services.
- Appraise property values.
- Interview witnesses, suspects, or claimants.
- Negotiate agreements to resolve disputes.
- Implement financial decisions.
- Advise others on financial matters.
- Apply information technology to solve business or other applied problems.
- Resolve customer complaints or problems.
- Pay charges, fees, or taxes.
- Verify accuracy of records.
- Maintain data in information systems or databases.
- Report information to managers or other personnel.
- Collect evidence for legal proceedings.
- Meet with individuals involved in legal processes to provide information and clarify issues.
- Prepare financial documents.
- Present business-related information to audiences.
- Supervise employees.
- Examine financial records.
- Confer with others about financial matters.
- Prepare operational reports.
- Gather financial records.
- Verify application data to determine program eligibility.
- Advise others on legal or regulatory compliance matters.
Knowledge, skills & abilities
O*NET importance rating, from 1 (not important) to 5 (extremely important).
Knowledge
Abilities
| Written Comprehension | 4.4 | |
| Oral Comprehension | 4.1 | |
| Oral Expression | 4.1 | |
| Deductive Reasoning | 4.0 | |
| Inductive Reasoning | 4.0 | |
| Written Expression | 3.9 | |
| Near Vision | 3.9 | |
| Problem Sensitivity | 3.6 | |
| Speech Clarity | 3.6 | |
| Information Ordering | 3.5 | |
| Speech Recognition | 3.5 | |
| Category Flexibility | 3.4 | |
| Flexibility of Closure | 3.3 | |
| Mathematical Reasoning | 3.0 | |
| Number Facility | 3.0 | |
| Speed of Closure | 3.0 | |
| Perceptual Speed | 3.0 |
Essential skills
| Reading Comprehension | 4.1 | |
| Active Listening | 4.0 | |
| Critical Thinking | 4.0 | |
| Speaking | 3.9 | |
| Writing | 3.6 | |
| Monitoring | 3.4 | |
| Active Learning | 3.3 |
Transferable skills
| Judgment and Decision Making | 3.8 | |
| Complex Problem Solving | 3.5 | |
| Social Perceptiveness | 3.4 | |
| Coordination | 3.3 | |
| Negotiation | 3.1 | |
| Service Orientation | 3.1 | |
| Systems Analysis | 3.0 | |
| Time Management | 3.0 |
Skills in demand
Skills employers ask for in job postings for this occupation (Lightcast), with whether each is a common or specialized skill.
Tools & technology
Showing the top 40 of 73.
Work context
How characteristic each condition is of the job, on O*NET's 1–5 context scale (higher = more present in day-to-day work). Each condition links to how it varies across all occupations.
How to get in
- Job zone
- Zone 4 — Job Zone Four: Considerable Preparation Needed
- Education
- Most of these occupations require a four-year bachelor's degree, but some do not.
- Typical entry-level education
- High school diploma or equivalent · BLS, the typical path — not a requirement
- Related experience
- A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
- Preparation level
- SVP (7.0 to < 8.0) — total schooling plus on-the-job experience.
What to study: Business, Management, Marketing, and Related Support Services , Health Professions and Related Programs . Fields of study crosswalked to this occupation (NCES CIP–SOC), not a requirement.
Education of current workers
Share of people in this occupation at each level of education.
| Bachelor's Degree | 55.8% | |
| High School Diploma | 13.1% | |
| Associate's Degree (or other 2-year degree) | 12.0% | |
| Some College Courses | 11.9% | |
| Doctoral Degree | 4.0% | |
| Post-Secondary Certificate | 2.6% | |
| Master's Degree | 0.6% |
Interests & work styles
The interests and personal qualities O*NET associates with people who do this work.
Career interests (Holland / RIASEC)
| Conventional | 6.2 | |
| Enterprising | 4.8 | |
| Investigative | 3.5 | |
| Social | 2.6 |
Interest areas
| Office Work | 5.1 | |
| Law | 3.9 | |
| Accounting | 3.4 | |
| Management/Administration | 3.0 | |
| Finance | 2.8 | |
| Public Speaking | 2.1 | |
| Protective Service | 2.1 | |
| Mathematics/Statistics | 2.0 |
Work styles
| Dependability | 4.0 | |
| Attention to Detail | 3.0 | |
| Integrity | 2.5 | |
| Cautiousness | 2.4 |
Wages & employment
U.S. · annual wages (BLS OEWS)
| 10th percentile | $47,810 |
| 25th percentile | $60,100 |
| Median (50th) | $76,790 |
| 75th percentile | $95,990 |
| 90th percentile | $112,150 |
| People employed | 305,020 |
Industries that employ this occupation
Where these workers are employed, by number of jobs (national, BLS OEWS). Pay shown is the occupation's national median, not industry-specific.
| Industry | Workers | National median pay |
|---|---|---|
| Finance and Insurance · Sector | 224,390 | $75,830 |
| Insurance Agencies and Brokerages · National industry | 40,880 | $77,330 |
| Direct Health and Medical Insurance Carriers · National industry | 18,840 | $60,370 |
| Professional, Scientific, and Technical Services · Sector | 5,040 | $58,340 |
| Management of Companies and Enterprises · Sector | 5,000 | $65,050 |
| Administrative and Support and Waste Management and Remediation Services · Sector | 3,940 | $58,380 |
| Health Care and Social Assistance · Sector | 2,340 | $56,770 |
| Other Services (except Public Administration) · Sector | 990 | $82,670 |
| Temporary Help Services · National industry | 830 | $59,290 |
| Transportation and Warehousing · Sector | 820 | $58,150 |
| Information · Sector | 370 | $44,080 |
| Utilities · Sector | 250 | $90,150 |
Where this work is most concentrated
Industries where this occupation is far more common than in the economy as a whole. The location quotient is how many times more concentrated it is here (a value of 5 means five times its economy-wide share).
| Industry | Concentration | Workers |
|---|---|---|
| Direct Health and Medical Insurance Carriers · National industry | 21.21× | 18,840 |
| Insurance Agencies and Brokerages · National industry | 20.87× | 40,880 |
| Finance and Insurance · Sector | 18.22× | 224,390 |
| Management of Companies and Enterprises · Sector | 0.9× | 5,000 |
| Professional, Scientific, and Technical Services · Sector | 0.24× | 5,040 |
| Utilities · Sector | 0.22× | 250 |
| Administrative and Support and Waste Management and Remediation Services · Sector | 0.22× | 3,940 |
| Temporary Help Services · National industry | 0.16× | 830 |
Related occupations
Part of the Financial Services career cluster.
- Insurance Claims and Policy Processing Clerks · 43-9041.00 Compare →
- Eligibility Interviewers, Government Programs · 43-4061.00 Compare →
- Customer Service Representatives · 43-4051.00 Compare →
- Insurance Underwriters · 13-2053.00 Compare →
- Tax Examiners and Collectors, and Revenue Agents · 13-2081.00 Compare →
- Compliance Officers · 13-1041.00 Compare →
- Compensation, Benefits, and Job Analysis Specialists · 13-1141.00 Compare →
- Insurance Sales Agents · 41-3021.00 Compare →
- Fraud Examiners, Investigators and Analysts · 13-2099.04 Compare →
- Appraisers and Assessors of Real Estate · 13-2023.00 Compare →
- Lawyers · 23-1011.00 Compare →
- Administrative Law Judges, Adjudicators, and Hearing Officers · 23-1021.00 Compare →
Side-by-side comparisons place two occupations’ pay, preparation, skills, and AI exposure on the same page — same data, same scale, no forecast.
What you can do with this
Options the data surfaces for Claims Adjusters, Examiners, and Investigators — not advice or a forecast. Each is a real cross-link you can follow into the evidence.
Skills that travel
Capabilities this work builds that are used across many other occupations.
Adjacent roles
Occupations O*NET rates as related — the nearby moves on the map.
Paths in
How people typically prepare for this work.
- High school diploma or equivalent · typical entry level
- Job zone 4 — Job Zone Four: Considerable Preparation Needed · preparation tier
- Business, Management, Marketing, and Related Support Services · field of study
- Health Professions and Related Programs · field of study
Zoom out
On the global GenAI exposure gradient this work sits around the 83rd percentile of 427 international occupations.
Write a report on thisheadline · factoids · citation
Claims Adjusters, Examiners, and Investigators show 85th-percentile AI task overlap — and about 21,100 annual U.S. openings
- Claims Adjusters, Examiners, and Investigators rank in the 85th percentile (High band) for AI task overlap across U.S. occupations — a measure of how much of the work today's AI can attempt, not how much is automated.Eloundou et al. (GPTs are GPTs) + Felten AIOE
- The occupation is projected to see about 21,100 U.S. job openings per year (2024–34), counting growth and replacement — a labor-demand projection made independently of AI.BLS Employment Projections 2024–34
- BLS projects employment to be declining (-5.1%) from 2024 to 2034.BLS Employment Projections 2024–34
- Median annual pay is $76,790, across about 305,020 U.S. workers.BLS OEWS (May 2024)
Copy the whole kit
Claims Adjusters, Examiners, and Investigators show 85th-percentile AI task overlap — and about 21,100 annual U.S. openings • Claims Adjusters, Examiners, and Investigators rank in the 85th percentile (High band) for AI task overlap across U.S. occupations — a measure of how much of the work today's AI can attempt, not how much is automated. (Eloundou et al. (GPTs are GPTs) + Felten AIOE) • The occupation is projected to see about 21,100 U.S. job openings per year (2024–34), counting growth and replacement — a labor-demand projection made independently of AI. (BLS Employment Projections 2024–34) • BLS projects employment to be declining (-5.1%) from 2024 to 2034. (BLS Employment Projections 2024–34) • Median annual pay is $76,790, across about 305,020 U.S. workers. (BLS OEWS (May 2024)) Source: Singulariki — "Claims Adjusters, Examiners, and Investigators". https://singulariki.com/roles/role-13-1031-00 Note: AI task overlap measures what today's AI can attempt, not automation, job loss, or a forecast.
AssetsShare imageMethodology & sourcesPress & newsroomThe newsroom
Every line is built only from figures this page already shows and cites. AI task overlap means what today's AI can attempt — not automation, job loss, or a forecast.
Sources for this page
Every figure above traces to a named public dataset and the exact release below — not hand-written opinion. See the full methodology for what each measure does and does not mean.
- O*NET 30.3 U.S. Department of Labor / National Center for O*NET Development
- BLS Occupational Employment and Wage Statistics (OEWS) May 2024 U.S. Bureau of Labor Statistics
- BLS Employment Projections 2024–2034 U.S. Bureau of Labor Statistics
- Anthropic Economic Index v4 (2026-01-15) + v2 (2025-03-27) Anthropic
- Microsoft “Working with AI” working-with-ai Microsoft Research
- “GPTs are GPTs” (Eloundou et al.) arXiv 2303.10130 OpenAI / academic
- AI Occupational Exposure (AIOE) Felten, Raj & Seamans academic
- ILO / Gmyrek et al. GenAI exposure gradient 2025 International Labour Organization
- IBS O*NET-SOC ↔ ISCO-08 occupation crosswalk 2022 Institute for Structural Research (IBS)
- Frey & Osborne (2013) frey-osborne-automation academic
- Dingel & Neiman (2020) dingel-neiman-workathome academic
Data compiled June 2, 2026. Figures are estimates, not advice.
Cite this page
Plain
Singulariki. "Claims Adjusters, Examiners, and Investigators." Singulariki: a source-backed encyclopedia of work. Built from O*NET 30.3; BLS Occupational Employment and Wage Statistics (OEWS) May 2024; BLS Employment Projections 2024–2034; Anthropic Economic Index v4 (2026-01-15) + v2 (2025-03-27); Microsoft “Working with AI” working-with-ai; “GPTs are GPTs” (Eloundou et al.) arXiv 2303.10130; AI Occupational Exposure (AIOE) Felten, Raj & Seamans; ILO / Gmyrek et al. GenAI exposure gradient 2025; IBS O*NET-SOC ↔ ISCO-08 occupation crosswalk 2022; Frey & Osborne (2013) frey-osborne-automation; Dingel & Neiman (2020) dingel-neiman-workathome. Accessed June 7, 2026. https://singulariki.com/roles/role-13-1031-00
APA
Singulariki. (2026). Claims Adjusters, Examiners, and Investigators. Singulariki: a source-backed encyclopedia of work. Retrieved June 7, 2026, from https://singulariki.com/roles/role-13-1031-00
BibTeX
@misc{singulariki-role-13-1031-00,
title = {Claims Adjusters, Examiners, and Investigators},
author = {{Singulariki}},
year = {2026},
note = {O*NET 30.3; BLS Occupational Employment and Wage Statistics (OEWS) May 2024; BLS Employment Projections 2024–2034; Anthropic Economic Index v4 (2026-01-15) + v2 (2025-03-27); Microsoft “Working with AI” working-with-ai; “GPTs are GPTs” (Eloundou et al.) arXiv 2303.10130; AI Occupational Exposure (AIOE) Felten, Raj & Seamans; ILO / Gmyrek et al. GenAI exposure gradient 2025; IBS O*NET-SOC ↔ ISCO-08 occupation crosswalk 2022; Frey & Osborne (2013) frey-osborne-automation; Dingel & Neiman (2020) dingel-neiman-workathome. Accessed June 7, 2026},
url = {https://singulariki.com/roles/role-13-1031-00}
} Citations name the underlying public dataset releases — they reflect what this page is built from, not just the URL.