Insurance Claims & Policy Processing Clerks
Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.
Technology Tools
Key Tasks
- Prepare insurance claim forms or related documents, and review them for completeness.
- Pay small claims.
- Calculate amount of claim.
- Post or attach information to claim file.
- Transmit claims for payment or further investigation.
- Review insurance policy to determine coverage.
- Contact insured or other involved persons to obtain missing information.
- Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.
- Process and record new insurance policies and claims.
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
- Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
- Correspond with insured or agent to obtain information or to inform them of account status or changes.
- Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
- Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.
- Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
- Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.
- Collect initial premiums and issue receipts.
- Interview clients and take their calls to provide customer service and obtain information on claims.
- Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.
- Compose business correspondence for supervisors, managers, and professionals.
- Notify insurance agent and accounting department of policy cancellation.
- Enter insurance- and claims-related information into database systems.
- Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.
- Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.
- Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.
Skills
Knowledge
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Abilities
Work Activities
Work Context
How frequently does your job require you to use E-mail?
100%
Spend Time Sitting
How much does this job require sitting?
97%
Telephone Conversations
How often do you have telephone conversations in this job?
96%
Importance of Being Exact or Accurate
How important is being very exact or highly accurate in performing this job?
88%
Importance of Repeating Same Tasks
How important are continuous, repetitive, physical activities (like key entry) or mental activities (like checking entries in a ledger) to performing this job?
87%
Indoors, Environmentally Controlled
How often does this job require working indoors in an environmentally controlled environment (like a warehouse with air conditioning)?
86%
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?
83%
Determine Tasks, Priorities and Goals
How much freedom does the worker have in determining the tasks, priorities, or goals of the job?
79%
Written Letters and Memos
How frequently does your job require written letters and memos?
77%
Work With or Contribute to a Work Group or Team
How important is it to work with or contribute to a work group or team in this job?
76%
Time Pressure
How often does this job require the worker to meet strict deadlines?
74%
Face-to-Face Discussions with Individuals and Within Teams
How frequently does your job require face-to-face discussions with individuals and within teams?
72%
Spend Time Making Repetitive Motions
How much does this job require making repetitive motions?
72%
Frequency of Decision Making
How often is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?
70%
Freedom to Make Decisions
How much decision making freedom, without supervision, does the job offer?
69%
Deal With External Customers or the Public in General
How important is it to deal with external customers (as in retail sales) or the public in general (as in police work) in this job?
65%
Impact of Decisions on Co-workers or Company Results
What results do your decisions usually have on other people or the image or reputation or financial resources of your employer?
65%
Degree of Automation
How automated is the job?
55%
Coordinate or Lead Others in Accomplishing Work Activities
How important is it to coordinate or lead others (not as a supervisor or team leader) in accomplishing work activities in this job?
51%
Dealing With Unpleasant, Angry, or Discourteous People
How frequently does the worker have to deal with unpleasant, angry, or discourteous individuals as part of the job requirements?
51%
Physical Proximity
To what extent does this job require the worker to perform job tasks physically close to other people?
47%
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
How much does this job require using your hands to handle, control, or feel objects, tools or controls?
47%
Conflict Situations
How frequently are there conflict situations the employee has to face in this job?
46%
Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable
How often does this job require working exposed to sounds and noise levels that are distracting or uncomfortable?
42%
Duration of Typical Work Week
Number of hours typically worked in one week.
41%
Level of Competition
To what extent does this job require the worker to compete or to be aware of competitive pressures?
40%
Work Outcomes and Results of Other Workers
How responsible is the worker for work outcomes and results of other workers?
36%
Consequence of Error
How serious would the result usually be if the worker made a mistake that was not easily correctable?
33%
Health and Safety of Other Workers
How much responsibility is there for the health and safety of others in this job?
28%
Pace Determined by Speed of Equipment
How important is it to this job that the pace is determined by the speed of equipment or machinery? (This does not refer to keeping busy at all times on this job.)
16%
Spend Time Standing
How much does this job require standing?
14%
Spend Time Walking or Running
How much does this job require walking or running?
12%
Public Speaking
How frequently does your job require public speaking (one speaker with an audience)?
9%
Dealing with Violent or Physically Aggressive People
How frequently does this job require the worker to deal with physical aggression of violent individuals?
7%
Exposed to Extremely Bright or Inadequate Lighting Conditions
How often does this job require working in extremely bright or inadequate lighting conditions?
7%
Exposed to Cramped Work Space, Awkward Positions
How often does this job require working in cramped work spaces that requires getting into awkward positions?
5%
Indoors, Not Environmentally Controlled
How often does this job require working in an environment that is not environmentally controlled (like a warehouse without air conditioning)?
5%
Spend Time Bending or Twisting Your Body
How much does this job require bending or twisting your body?
5%
Spend Time Kneeling, Crouching, Stooping, or Crawling
How much does this job require kneeling, crouching, stooping or crawling?
5%
In an Enclosed Vehicle or Operate Enclosed Equipment
How often does this job require working in a closed vehicle or operate enclosed equipment (like a car)?
4%
Exposed to Very Hot or Cold Temperatures
How often does this job require working in very hot (above 90 F degrees) or very cold (below 32 F degrees) temperatures?
2%
Exposed to Contaminants
How often does this job require working exposed to contaminants (such as pollutants, gases, dust or odors)?
1%
Outdoors, Exposed to All Weather Conditions
How often does this job require working outdoors, exposed to all weather conditions?
1%
Work Schedules
How regular are the work schedules for this job?
1%
Exposed to Disease or Infections
How often does this job require exposure to disease/infections?
0%
Exposed to Hazardous Conditions
How often does this job require exposure to hazardous conditions?
0%
Exposed to Hazardous Equipment
How often does this job require exposure to hazardous equipment?
0%
Exposed to High Places
How often does this job require exposure to high places?
0%
Exposed to Minor Burns, Cuts, Bites, or Stings
How often does this job require exposure to minor burns, cuts, bites, or stings?
0%
Exposed to Radiation
How often does this job require exposure to radiation?
0%
Exposed to Whole Body Vibration
How often does this job require exposure to whole body vibration (like operating a jackhammer or earth moving equipment)?
0%
In an Open Vehicle or Operating Equipment
How often does this job require working in an open vehicle or operating equipment (like a tractor)?
0%
Outdoors, Under Cover
How often does this job require working outdoors, under cover (like in an open shed)?
0%
Spend Time Climbing Ladders, Scaffolds, or Poles
How much does this job require climbing ladders, scaffolds, poles, etc.?
0%
Spend Time Keeping or Regaining Balance
How much does this job require keeping or regaining your balance?
0%
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
How often does this job require wearing common protective or safety equipment such as safety shoes, glasses, gloves, hearing protection, hard hats or life-jackets?
0%
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
How often does this job require wearing specialized protective or safety equipment such as breathing apparatus, safety harness, full protection suits, or radiation protection?
0%
Education
High school diploma or equivalent
Associate's degree
Some college, no degree
Interests
Conventional
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or hum
Enterprising
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertis
Social
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Investigative
Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the f
Realistic
Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, t
Artistic
Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts,
Work Styles
Work Values
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