Insurance Claims and Policy Processing Clerks

Office and Administrative Support Occupations

O*NET-SOC code: 43-9041.00

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.

Data source: BLSPublished: 2026-08
Very high· relative
LowFour relative bandsVery high
Group-level value
Scale, basis and source
Four relative bands (Low / Moderate / High / Very high)
831 detailed occupations in the BLS Employment Projections table. Assigned per National Employment Matrix (NEM) code, so occupations sharing a NEM code carry the same band
Source dataset (XLSX download)
Data source: AnthropicPublished: 2026-03
0.147
0.000Range of values carried here0.745
Scale, basis and source
Observed exposure index, 0–1 as published
Mapped onto O*NET tasks
Published per SOC 2018 occupation; every O*NET occupation with the same SOC 2018 code carries this value
Source dataset (CSV download)
Data source: ILOPublished: 2025
0.64
0.09Range of values carried here0.70
Group-level value
Scale, basis and source
Generative AI exposure index, 0–1 as published
Published per ISCO-08 unit group. Linked to this occupation, wholly or in part, by applying U.S. Bureau of Labor Statistics crosswalks (ISCO-08 to 2010 SOC, 2010 SOC to 2018 SOC) as published
Source dataset (PDF download)

What kind of figure this source publishes

The BLS category is a relative rank, not an absolute level, and it is not a first-hand measurement: it groups an occupation's percentile ranks across several published studies into four bands. It is not an employment or wage forecast, not a probability of adoption, and it does not separate automation from augmentation.

Task-level exposure

Exposed tasks only

27 rated tasks · 27 tasks with β ≥ 0.5 (100.0%)

β = direct exposure (E1) + 0.5 × exposure when tools are available (E2), per the source repository's definition.

Source unit: O*NET 27.2 tasks → O*NET 31.0 occupation code
2 rated tasks are not in the O*NET 31.0 task list; their scores are kept as published for O*NET 27.2.

Source: OpenAI "GPTs are GPTs" exposure rubric
Release: gh-main-0471612
License: MIT License, Copyright (c) 2024 OpenAI

Tasks of O*NET-SOC 2010 occupations 43-9041.01 Insurance Claims Clerks; 43-9041.02 Insurance Policy Processing Clerks, linked to this occupation by the O*NET-SOC 2010 to 2019 crosswalk

Task (O*NET 20.1)	Claude.aiRaw / share %	APIRaw / share %
Compose business correspondence for supervisors, managers, and professionals. 43-9041.02	0.055167.6	0.00835.9
Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. 43-9041.02	0.010512.9	0.014810.6
Review insurance policy to determine coverage. 43-9041.01	0.00668.2	—0
Prepare insurance claim forms or related documents and review them for completeness. 43-9041.01	0.00435.2	0.00181.3
Check computations of interest accrued, premiums due, and settlement surrender on loan values. 43-9041.02	0.00334.1	—0
Transcribe data to worksheets and enter data into computer for use in preparing documents and adjusting accounts. 43-9041.02	0.00172.0	—0
Enter claims information into database systems.	—0	0.049135.2
Process and record new insurance policies and claims.	—0	0.033223.8
Review and verify data, such as age, name, address, and principal sum and value of property on insurance applications and policies.	—0	0.015711.2
Organize and work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.	—0	0.00644.5
Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.	—0	0.00614.4
Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.	—0	0.00241.7
Correspond with insured or agent to obtain information or inform them of account status or changes.	—0	0.00181.3
Show 3 more tasks ▾Show less ▴
Not observed on any surface — 14 task(s) — These tasks have no row in the source for this release. The 0 in the share row is a display-stage composition ratio; absence is what the — in the raw row states.
Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.	—0	—0
Post or attach information to claim file.	—0	—0
Transmit claims for payment or further investigation.	—0	—0
Contact insured or other involved persons to obtain missing information.	—0	—0
Calculate amount of claim.	—0	—0
Pay small claims.	—0	—0
Apply insurance rating systems.	—0	—0
Modify, update, and process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.	—0	—0
Notify insurance agent and accounting department of policy cancellation.	—0	—0
Interview clients and take their calls to provide customer service and obtain information on claims.	—0	—0
Collect initial premiums and issue receipts.	—0	—0
Calculate premiums, refunds, commissions, adjustments, and new reserve requirements, using insurance rate standards.	—0	—0
Compare information from application to criteria for policy reinstatement and approve reinstatement when criteria are met.	—0	—0
Obtain computer printout of policy cancellations or retrieve cancellation cards from file.	—0	—0

Values in this tab are predicted labels, not observations. Eloundou et al. (2023) published two rating regimes — human raters and GPT-4 — and the β shown here is derived from the GPT-4 rater basis alone; the same task can take a different value under the other regime. The unit and the meaning differ from the observed shares (%) in the other tabs, so do not place them on the same axis.

Task (O*NET 27.2)	βE1 + 0.5 × E2
Prepare insurance claim forms or related documents, and review them for completeness. O*NET Task ID 23313	1.0
Post or attach information to claim file. O*NET Task ID 23315	1.0
Transmit claims for payment or further investigation. O*NET Task ID 23316	1.0
Review insurance policy to determine coverage. O*NET Task ID 23318	1.0
Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. O*NET Task ID 23320	1.0
Correspond with insured or agent to obtain information or to inform them of account status or changes. O*NET Task ID 23322	1.0
Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies. O*NET Task ID 23323	1.0
Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met. O*NET Task ID 23324	1.0
Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts. O*NET Task ID 23326	1.0
Notify insurance agent and accounting department of policy cancellation. O*NET Task ID 23327	1.0
Pay small claims. O*NET Task ID 23328	1.0
Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. O*NET Task ID 23329	1.0
Check computations of interest accrued, premiums due, and settlement surrender on loan values. O*NET Task ID 23331	1.0
Obtain computer printout of policy cancellations, or retrieve cancellation cards from file. O*NET Task ID 23333	1.0
Compose business correspondence for supervisors, managers, and professionals. O*NET Task ID 23334	1.0
Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards. O*NET Task ID 23336	1.0
Enter insurance- and claims-related information into database systems. O*NET Task ID 23337	1.0
Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance. O*NET Task ID 23338	1.0
Calculate amount of claim. O*NET Task ID 23314	0.5
Contact insured or other involved persons to obtain missing information. O*NET Task ID 23317	0.5
Process and record new insurance policies and claims. O*NET Task ID 23319	0.5
Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors. O*NET Task ID 23321	0.5
Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes. O*NET Task ID 23325	0.5
Collect initial premiums and issue receipts. O*NET Task ID 23330	0.5
Interview clients and take their calls to provide customer service and obtain information on claims. O*NET Task ID 23332	0.5
Apply insurance rating systems. O*NET Task ID 23335	0.5
Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled. O*NET Task ID 23339	0.5
Show 17 more tasks ▾Show less ▴

β = E1 + 0.5 × E2 · E1 = tasks where direct LLM access alone cuts time by at least 50%, E2 = tasks where software built on top of an LLM cuts time by at least 50%. Values take only 0 / 0.5 / 1.0.

Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page

All O*NET 31.0 task statements (25)

All O*NET 31.0 task statements for this occupation (English, as published; task type core or supplemental). Exposure values are not listed here; they are in the table above, next to each task statement as worded in the O*NET version each source used.

Task (O*NET 31.0)	Type
Prepare insurance claim forms or related documents, and review them for completeness.	Core
Calculate amount of claim.	Core
Post or attach information to claim file.	Core
Transmit claims for payment or further investigation.	Core
Contact insured or other involved persons to obtain missing information.	Core
Review insurance policy to determine coverage.	Core
Process and record new insurance policies and claims.	Core
Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.	Core
Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.	Core
Correspond with insured or agent to obtain information or to inform them of account status or changes.	Core
Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.	Core
Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.	Core
Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.	Core
Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.	Core
Notify insurance agent and accounting department of policy cancellation.	Core
Pay small claims.	Supplemental
Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.	Supplemental
Collect initial premiums and issue receipts.	Supplemental
Interview clients and take their calls to provide customer service and obtain information on claims.	Supplemental
Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.	Supplemental
Compose business correspondence for supervisors, managers, and professionals.	Supplemental
Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.	—
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.	—

Employment outlook (BLS)

Employment, 2025: 239K
Projected employment, 2035: 235K
Change (2025–35): -1.9%
Median annual wage, 2025: $49,230
Typical education needed for entry: High school diploma or equivalent

lowest $30,890median wage across 825 detailed occupations, BLS EP 2025–35highest $559,030

Source: U.S. Bureau of Labor Statistics, Employment Projections 2025–35 — Employment by detailed occupation, 2025 and projected 2035

Korea classification links (KSCO)

Links from the current release of the Korea Occupation Direct Crosswalk v1.1, made by AI Changing Work. Relation values are read from the O*NET-SOC occupation side.

KSCO code	KSCO title	Relation	Status
34022	보험 사무원	Same scope	confirmed
34021	보험 심사원	Overlapping, not the same	confirmed

Relation and status definitions(kr-direct v1.1)

ILO occupational description

AI Changing Work links the ISCO-08 unit groups below to this occupation by applying the U.S. Bureau of Labor Statistics crosswalks (2018 SOC to 2010 SOC, 2010 SOC to ISCO-08) as published, without case-by-case selection; each link may be whole or partial.

ISCO-08 4312Statistical, Finance and Insurance Clerks

The definition, tasks and examples below are the ILO's description of that unit group, not of this occupation.

Statistical, finance and insurance clerks obtain, compile and compute statistical or actuarial data or perform clerical tasks relating to the transactions of insurance establishments, banks and other financial establishments.

Tasks

(a) processing insurance enrolments, cancellations, claims transactions, policy changes and payments;
(b) obtaining and compiling statistical or actuarial data based on routine or special sources of information;
(c) calculating totals, averages, percentages and other details and presenting them in the required tabular form;
(d) preparing financial documents, and calculating interest or brokerage charges and stamp duties payable;
(e) maintaining records of bonds, shares and other securities bought or sold on behalf of clients or employer.

Example occupations

Actuarial clerk · Brokerage clerk · Finance clerk · Insurance clerk · Mortgage clerk · Securities clerk · Statistical clerk

Sources: ILO ISCO-08 — details: Credits

ESCO occupational vocabulary

Each entry below is matched to this occupation in the published ESCO-O*NET Crosswalk (version 1, 2022). The match types are that crosswalk's; the wording is AI Changing Work's.

insurance clerkESCO 4312.4Same scope
Insurance clerks perform general clerical and administrative duties in an insurance company, other service institution, for a self-employed insurance agent or broker or for a government institution. They offer assistance and provide information about insurances to customers and they manage the paperwork of insurance agreements.
insurance claims handlerESCO 3315.3Overlapping, not the same
Insurance claims handlers ensure that all insurance claims are handled accurately and that payment for valid claims is made to the policyholders. They use statistical data and reporting to calculate and adjust claims as needed, communicate with and guide policyholders and monitor the progress of a claim.

Source: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)

License: CC BY 4.0 (EU Reuse Notice)

View original

ESCO reuse terms and the modification notice are in Credits.

France classification links (ROME)

AI Changing Work's links between this occupation and ROME 4.0 job profiles, judged with AI models. Relations are read from this occupation's side. Links marked “provisional” were adopted on the judgments of two judges from the same model family (Claude) alone, or by an operator rule applied to their judgments, so they rest on weaker evidence than confirmed links.

ROME code	ROME title (French)	Relation
C1109	Gestionnaire en assurances	This occupation is narrowerprovisional
C1402	Agent / Agente technique des régimes de retraite complémentaire et de prévoyance	This occupation is broaderprovisional
C1128	Rédacteur / Rédactrice règlement assurances	Overlapping, not the sameprovisional
C1401	Agent administratif / Agente administrative banque ou assurance	Related, not a matchprovisional

Source: France Travail — Répertoire Opérationnel des Métiers et des Emplois (ROME 4.0), version 61, last updated 15 June 2026 (https://www.data.gouv.fr/datasets/repertoire-operationnel-des-metiers-et-des-emplois-rome). Licence Ouverte 2.0.

ROME codes and titles are reproduced unchanged; the links to O*NET-SOC occupations are AI Changing Work's own judgment and are not a France Travail correspondence.

(AI Changing Work link release: fr-direct v1)

Spain classification links (CNO-11)

AI Changing Work's links between this occupation and CNO-11 occupations, judged with AI models. Relations are read from this occupation's side.

CNO-11 code	CNO-11 title (Spanish)	Relation
4113	Empleados de oficina de servicios estadísticos, financieros y bancarios	This occupation is narrower

Source: Instituto Nacional de Estadística (INE), National Classification of Occupations 2011 (CNO-11, Royal Decree 1591/2010) — www.ine.es · Licensed CC BY 4.0. CNO-11 codes and Spanish titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not an INE correspondence.

(AI Changing Work link release: es-direct v1)

Germany classification links (KldB)

AI Changing Work's links between this occupation and KldB occupations, judged with AI models. Relations are read from this occupation's side.

KldB code	KldB title (German)	Relation
72132	Versicherungskaufleute - fachlich ausgerichtete Tätigkeiten	This occupation is narrower

Source: © Statistik der Bundesagentur für Arbeit — Klassifikation der Berufe 2010 – überarbeitete Fassung 2020, https://statistik.arbeitsagentur.de. KldB codes and titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own mapping (eigene Zuordnung) and are not a Bundesagentur für Arbeit correspondence.

(AI Changing Work link release: de-direct v1)

Japan classification links (JSCO)

AI Changing Work's links between this occupation and JSCO occupations, judged with AI models. Relations are read from this occupation's side.

JSCO code	JSCO title (Japanese)	Relation
259	その他の一般事務従事者	This occupation is narrowerprovisional
289	その他の営業・販売事務従事者	Related, not a match

Source: Ministry of Internal Affairs and Communications (MIC), Japan Standard Occupational Classification (Dec. 2009, MIC Notification No. 555). JSCO codes and Japanese titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not a MIC correspondence.

(AI Changing Work link release: jp-direct v1)

Sources, licenses and AI Changing Work's modification and translation notices for this page: Credits & sources