Claims Adjusters, Examiners, and Investigators
Every task in this role, whether it passes the census's structural hand-over screen, which models pass it, and why. It is a screen, not a claim about what AI can do: a task can pass and still be beyond the systems of the day. The stricter and looser rules re-vote every task, and small differences between roles are noise.
Passes the screen · 4 of 29 tasks
Pay and process claims within designated authority level.
quick to check, an existing check settles it, and a mistake is cheap · 5.4% of the role's time · $1.3B · passed by Claude Sonnet, Gemini 3.1 Pro · the models disagreed
Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
quick to check, an existing check settles it, and a mistake is cheap · 4.0% of the role's time · $947M · passed by Claude Sonnet, Gemini 3.1 Pro · the models disagreed
Prepare reports to be submitted to company's data processing department.
quick to check, an existing check settles it, and a mistake is cheap · 1.4% of the role's time · $336M · all three pass it
Obtain credit information from banks and other credit services.
quick to check, an existing check settles it, and a mistake is cheap · 0.4% of the role's time · $103M · all three pass it
Does not pass
Examine claims forms and other records to determine insurance coverage.
reason given most often: no existing check settles it · 6.2% of the role's time · $1.5B
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.
reason given most often: no existing check settles it · 5.7% of the role's time · $1.4B
Analyze information gathered by investigation and report findings and recommendations.
reason given most often: no existing check settles it · 5.6% of the role's time · $1.3B
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.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 5.6% of the role's time · $1.3B
Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 5.5% of the role's time · $1.3B
Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
reason given most often: no existing check settles it · 5.3% of the role's time · $1.3B
Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
reason given most often: no existing check settles it · 5.1% of the role's time · $1.2B · passed by Claude Sonnet · the models disagreed · waiting on a check
Investigate and assess damage to property and create or review property damage estimates.
physical work, outside the screen · 4.8% of the role's time · $1.2B
Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 4.6% of the role's time · $1.1B
Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 4.3% of the role's time · $1.0B
Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
an accountable sign-off — stays with a person · 4.2% of the role's time · $995M
Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
reason given most often: no existing check settles it · 3.5% of the role's time · $834M
Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.
reason given most often: no existing check settles it · 3.5% of the role's time · $834M
Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 3.5% of the role's time · $834M
Resolve complex, severe exposure claims, using high service oriented file handling.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 3.1% of the role's time · $741M
Refer questionable claims to investigator or claims adjuster for investigation or settlement.
reason given most often: no existing check settles it · 2.9% of the role's time · $684M · waiting on a check
Confer with legal counsel on claims requiring litigation.
reason given most often: no existing check settles it, and a failure is too expensive · 2.7% of the role's time · $644M
Present cases and participate in their discussion at claim committee meetings.
reason given most often: no existing check settles it · 2.3% of the role's time · $561M
Supervise claims adjusters to ensure that adjusters have followed proper methods.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 2.3% of the role's time · $556M
Collect evidence to support contested claims in court.
reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 2.2% of the role's time · $524M
Attend mediations or trials.
physical work, outside the screen · 1.5% of the role's time · $356M
Conduct detailed bill reviews to implement sound litigation management and expense control.
reason given most often: no existing check settles it · 1.4% of the role's time · $345M
Report overpayments, underpayments, and other irregularities.
reason given most often: no existing check settles it · 1.4% of the role's time · $340M · passed by Claude Sonnet · the models disagreed
Communicate with reinsurance brokers to obtain information necessary for processing claims.
reason given most often: no existing check settles it · 0.8% of the role's time · $187M
Examine titles to property to determine validity and act as company agent in transactions with property owners.
reason given most often: nobody can tell quickly whether it worked, and a failure is too expensive · 0.8% of the role's time · $180M
Where this role works
| Industry | Workers | Wage bill | Passes the screen | All three pass |
|---|---|---|---|---|
| Insurance Carriers | 122,640 | $9.6B | $1.1B | $177M |
| Agencies, Brokerages, and Other Insurance Related Activities | 98,650 | $7.6B | $851M | $139M |
| Federal Executive Branch (OEWS Designation) | 48,770 | $4.4B | $493M | $80.4M |
| State Government, excluding Schools and Hospitals (OEWS Designation) | 9710 | $698M | $78.5M | $12.8M |
| Management of Companies and Enterprises | 5000 | $367M | $41.2M | $6.7M |
| Local Government, excluding Schools and Hospitals (OEWS Designation) | 2350 | $199M | $22.4M | $3.7M |
| Office Administrative Services | 2160 | $138M | $15.5M | $2.5M |
| Credit Intermediation and Related Activities (5221 and 5223 only) | 2090 | $121M | $13.6M | $2.2M |
| Management, Scientific, and Technical Consulting Services | 1460 | $92.8M | $10.4M | $1.7M |
| Accounting, Tax Preparation, Bookkeeping, and Payroll Services | 1260 | $83.4M | $9.4M | $1.5M |