What You Need to Know About Property and Casualty Insurance Claims Examiner
Example of Insurance Claims Examiner Job Review settled insurance claims to determine that payments and settlements have been made in accordance with company practices and procedures. Report overpayments, underpayments, and other irregularities. Confer with legal counsel on claims requiring litigation.
Insurance Claims Examiner Responsibilities
- Communicate with reinsurance brokers to obtain information necessary for processing claims.
- Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
- Present cases and participate in their discussion at claim committee meetings.
- Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
- Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
- Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
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What Skills Do You Need to Work as an Insurance Claims Examiner?
When polled, Property and Casualty Insurance Claims Examiners say the following skills are most frequently used in their jobs:
Reading Comprehension: Understanding written sentences and paragraphs in work related documents.
Writing: Communicating effectively in writing as appropriate for the needs of the audience.
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.
Speaking: Talking to others to convey information effectively.
Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Negotiation: Bringing others together and trying to reconcile differences.
Related Job Titles for this Occupation:
- Insurance Auditor
- Claim Auditor
- Worker’s Compensation Claims Examiner
- Liability Claims Representative
- Claims Account Specialist
Job Opportunities for Property and Casualty Insurance Claims Examiners
In the United States, there were 311,100 jobs for Property and Casualty Insurance Claims Examiner in 2016. There is little to no growth in job opportunities for Property and Casualty Insurance Claims Examiner. The BLS estimates 24,500 yearly job openings in this field.
The states with the most job growth for Insurance Claims Examiner are Utah, Arizona, and Colorado. Watch out if you plan on working in Maine, District of Columbia, or Mississippi. These states have the worst job growth for this type of profession.
Average Property and Casualty Insurance Claims Examiners Salary
The salary for Property and Casualty Insurance Claims Examiners ranges between about $39,620 and $98,660 a year.
Property and Casualty Insurance Claims Examiners who work in Connecticut, Massachusetts, or New Jersey, make the highest salaries.
How much do Property and Casualty Insurance Claims Examiners make in different U.S. states?
| State | Annual Mean Salary |
|---|---|
| Alabama | $65,060 |
| Alaska | $73,370 |
| Arizona | $67,340 |
| Arkansas | $61,930 |
| California | $71,720 |
| Colorado | $72,460 |
| Connecticut | $78,590 |
| Delaware | $63,440 |
| District of Columbia | $74,210 |
| Florida | $62,840 |
| Georgia | $65,430 |
| Hawaii | $62,860 |
| Idaho | $63,020 |
| Illinois | $65,980 |
| Indiana | $63,480 |
| Iowa | $62,750 |
| Kansas | $67,570 |
| Kentucky | $55,820 |
| Louisiana | $66,440 |
| Maine | $60,980 |
| Maryland | $72,050 |
| Massachusetts | $76,150 |
| Michigan | $67,860 |
| Minnesota | $65,760 |
| Mississippi | $62,700 |
| Missouri | $66,340 |
| Montana | $55,970 |
| Nebraska | $61,050 |
| Nevada | $65,510 |
| New Hampshire | $71,190 |
| New Jersey | $74,260 |
| New Mexico | $63,890 |
| New York | $71,950 |
| North Carolina | $62,580 |
| North Dakota | $58,580 |
| Ohio | $65,890 |
| Oklahoma | $61,670 |
| Oregon | $67,750 |
| Pennsylvania | $67,730 |
| Rhode Island | $71,950 |
| South Carolina | $62,950 |
| South Dakota | $61,490 |
| Tennessee | $60,550 |
| Texas | $69,560 |
| Utah | $59,330 |
| Vermont | $66,240 |
| Virginia | $63,640 |
| Washington | $72,340 |
| West Virginia | $57,030 |
| Wisconsin | $63,420 |
| Wyoming | $65,300 |
What Tools do Property and Casualty Insurance Claims Examiners Use?
Below is a list of the types of tools and technologies that Property and Casualty Insurance Claims Examiners may use on a daily basis:
- Microsoft Excel
- Microsoft Word
- Microsoft Office
- Microsoft PowerPoint
- Microsoft Publisher
- Medical procedure coding software
- Healthcare common procedure coding system HCPCS
- Medical condition coding software
- Document management system software
- Hyland OnBase Enterprise Content Management
- Axonwave Fraud and Abuse Management System
- Bill review software
- CCC GuidePost Decision Support
- CSC Fault Evaluator
- Fair Isaac SmartAdvisor
- First Notice Systems ClaimCapture
- Hummingbird Legal Bill Review
- IBM Fraud and Abuse Management System
- ISO ClaimSearch
- ISO NetMap for Claims
How to Become an Insurance Claims Examiner
What education is needed to be a Property and Casualty Insurance Claims Examiner?
How Long Does it Take to Become an Insurance Claims Examiner?
Where Property and Casualty Insurance Claims Examiners Are Employed
Property and Casualty Insurance Claims Examiners work in the following industries:
Related Careers
Those thinking about becoming a Property and Casualty Insurance Claims Examiner might also be interested in the following careers:
- Social Science Research Assistants
- Loan Counselors
- Cost Estimators
- Title Examiners, Abstractors, and Searchers
- Financial Analysts
Are you already one of the many Property and Casualty Insurance Claims Examiner in the United States? If you’re thinking about changing careers, these fields are worth exploring:
References:
Image Credit: Nick Youngson via Creative Commons 3 - CC BY-SA 3.0
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