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Claims Adjusters, Examiners, and Investigators

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.

Watch this work See majors and colleges
Other titles employers use

Claims Adjuster · Claims Analyst · Claims Examiner · Claims Representative · Claims Specialist · Corporate Claims Examiner · Field Claims Adjuster · General Adjuster

Inside the work

What you would actually do.

6 responsibilities that define the role, before job titles and workplaces change the details.

  • Examine claims forms and other records to determine insurance coverage.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Pay and process claims within designated authority level.
  • 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.
  • 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.
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.

Who it suits

Would this work hold your attention?

This career often appeals to people drawn to organizing, persuading and analytical work.

Organizing
Creating order, checking details, and keeping work accurate
Persuading
Leading, selling, starting projects, or making a case
Analytical
Investigating questions, testing ideas, and solving problems

Skills and strengths

What you would get good at.

Compare the skills the work relies on, the subjects behind it, and the abilities that make it easier to learn.

Core skills

  • Reading Comprehension
  • Active Listening
  • Critical Thinking
  • Speaking
  • Judgment and Decision Making
  • Writing

Subjects to know

  • Customer and Personal Service
  • English Language
  • Administrative
  • Mathematics
  • Computers and Electronics

Useful strengths

  • Written Comprehension
  • Oral Comprehension
  • Oral Expression
  • Deductive Reasoning
  • Inductive Reasoning

Working day

Picture yourself doing it.

These measures show how much of the day involves people, movement, conversation, and hands-on work.

How this job scores on four measures of working conditions, out of five
MeasureOut of 5What that means here
Close to other people2.8 Largely your own space
On your feet1.7 Mostly seated
Talking face to face4.3 A regular part of the day
Working with your hands3.2 Some of the day

Preparation

How people prepare for this work.

Employers usually ask for a high school diploma. Other routes may also lead into the field.

  • A four-year degree 56%
  • A certificate or some college 14%
  • High school or less 13%
  • A two-year degree 12%
  • A doctorate or professional degree 4%

Tools of the work

Technology you may use.

  • Internet browser software
  • Data base user interface and query software
  • Office suite software
  • Spreadsheet software
  • Electronic mail software
  • Presentation software
  • Word processing software
  • Video conferencing software

Opportunity near you

See where this work is growing.

Choose a state to compare the size of the field, annual openings, and expected hiring change.

Selected stateFlorida
People doing this work
32,290
Job openings each year
2,290
Expected hiring change, 2022–2032
6.4%
Compare every available state
State People doing it Job openings each year Expected change
Florida 32,290 2,290 6.4%
Texas 24,540 1,720 5.3%
California 23,700 1,480 −6.0%
New York 17,760 80 4.8%
Arizona 13,320 900 1.7%
Georgia 12,680 870 3.2%
Pennsylvania 12,640 800 −4.5%
North Carolina 11,060 760 3.3%
Illinois 10,380 630 −8.1%
New Jersey 9,120 560 −7.4%
Wisconsin 7,650 520 1.6%
Colorado 7,190 450 −5.4%
Missouri 7,010 450 −3.2%
Tennessee 6,750 500 11.8%
Michigan 6,600 430 −2.9%
Ohio 6,560 420 −5.1%
Washington 6,030 410 1.2%
Minnesota 5,550 360 −3.8%
Arkansas 4,660 330 7.6%
Indiana 4,530 290 −3.2%
Maryland 4,530 280 −7.9%
Virginia 4,080 260 −3.8%
Alabama 3,750 240 −4.3%
Nebraska 3,700 240 −2.4%
Iowa 3,490 230 −2.5%
Oklahoma 3,430 220 −5.8%
Kentucky 3,200 200 −4.8%
Connecticut 3,110 200 −5.5%
Kansas 2,890 190 −4.3%
South Carolina 2,860 200 5.9%
Oregon 2,780 180 −3.8%
Puerto Rico 2,480 180 9.7%
Louisiana 2,410 150 −5.9%
Nevada 2,010 140 1.0%
Massachusetts 1,790 110 −6.8%
Utah 1,760 130 6.7%
Mississippi 1,600 110 —
Maine 1,590 90 −10.7%
Idaho 1,270 90 2.4%
Rhode Island 1,160 70 −4.1%
New Mexico 1,070 70 −1.8%
West Virginia 960 60 −9.4%
Montana 950 70 2.2%
Delaware 770 50 −3.8%
New Hampshire 770 50 −1.3%
South Dakota 750 50 2.7%
North Dakota 660 40 −8.3%
District of Columbia 480 30 −4.0%
Vermont 300 20 −3.2%
Alaska 210 10 −4.5%
Wyoming 190 10 —
Guam 70 10 —
Virgin Islands 50 0 −28.6%

Career to college

Build a path toward this work.

Start with a related major, then compare colleges where students complete that field.

CareerClaims Adjusters, Examiners, and Investigators
Most direct field Health administration Related field Insurance

Where to study

Colleges with strong activity in these fields.

Start with program size, admission, and likely cost. Open a college for the full picture.

UT

Western Governors University

Degrees each year
1,116
Admit rate
Not reported
Annual cost after aid
$13,000
Open college NH

Southern New Hampshire University

Degrees each year
1,064
Admit rate
96%
Annual cost after aid
$37,000
Open college FL

University of Central Florida

Degrees each year
333
Admit rate
40%
Annual cost after aid
$10,000
Open college NC

University of North Carolina at Charlotte

Degrees each year
263
Admit rate
80%
Annual cost after aid
$14,000
Open college GA

University of Georgia

Degrees each year
252
Admit rate
37%
Annual cost after aid
$13,000
Open college MD

University of Maryland Global Campus

Degrees each year
221
Admit rate
Not reported
Annual cost after aid
—
Open college NY

CUNY Lehman College

Degrees each year
197
Admit rate
55%
Annual cost after aid
$7,000
Open college FL

Florida International University

Degrees each year
180
Admit rate
59%
Annual cost after aid
$11,000
Open college

Compare every college offering health and medical administrative services

Keep exploring

Careers with something in common.

Compare paths that use similar training and strengths.

Insurance Claims and Policy Processing ClerksEligibility Interviewers, Government ProgramsCustomer Service RepresentativesInsurance UnderwritersTax Examiners and Collectors, and Revenue AgentsCompliance Officers