Claims Adjusters, Examiners, and Investigators
Also called: Claims Adjuster, Claims Analyst, Claims Examiner, Claims RepresentativeReview 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.
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What the data says: AI could halve the time on 23 of its 29 tasks, and jobs are projected to shrink 5.5% by 2035. In the most exposed occupations, the squeeze shows up first among early-career workers. How to think about this →
About this projection
BLS builds AI into its projections where the research supports it: “BLS generally applies adjustments based on this research conservatively, where there is convincing evidence for a change.”
It also notes a limit: “BLS projection methods are not designed to capture extremely rapid technological change.”
On its AI exposure groups, BLS says exposure “does not imply job loss.”
Recent conditions
- In 2024, 2.2% of people in this work were unemployed, against 3.8% across all occupations Census ACS 2024, all workers in the Census group “Claims adjusters, appraisers, examiners, and investigators”
- From Sep 2025 to Aug 2026, 4.3 hires for every 10 job openings in finance and insurance, which employs about 76% of people in this work, against 7.3 across all industries BLS JOLTS
One box per opening, filled for each hire; hires beyond the openings are added in a lighter shade. Higher can mean openings get filled, or that people leave often; lower, that jobs go unfilled, or hiring is slow.4.3 this industry7.3 all industries
Median pay by state BLS OEWS May 2025, state estimates
Tap a state for its figures.
Median pay in every state
| State | Median | Middle half earn | Jobs |
|---|---|---|---|
| Alabama | $79,710 | $62,260 to $97,070 | 4,040 |
| Alaska | $87,670 | $74,800 to $108,660 | 220 |
| Arizona | $65,110 | $59,030 to $80,230 | 13,830 |
| Arkansas | $73,920 | $57,050 to $93,240 | 2,660 |
| California | $91,790 | $72,280 to $106,400 | 24,290 |
| Colorado | $77,620 | $64,460 to $100,640 | 5,680 |
| Connecticut | $88,330 | $76,740 to $110,140 | 3,190 |
| Delaware | $72,370 | $59,060 to $96,220 | not published |
| District of Columbia | $101,150 | $82,410 to $118,560 | 360 |
| Florida | $76,920 | $59,240 to $93,860 | 28,100 |
| Georgia | $73,320 | $60,980 to $85,190 | not published |
| Guam | $50,560 | $44,740 to $71,100 | 80 |
| Hawaii | $79,080 | $62,570 to $98,250 | 900 |
| Idaho | $77,340 | $59,150 to $102,400 | 1,320 |
| Illinois | $77,010 | $60,570 to $97,770 | 14,210 |
| Indiana | $73,560 | $59,370 to $91,560 | 4,340 |
| Iowa | $72,640 | $60,830 to $81,960 | 3,930 |
| Kansas | $77,290 | $63,250 to $97,100 | 4,570 |
| Kentucky | $73,840 | $62,020 to $89,850 | 3,670 |
| Louisiana | $65,220 | $49,790 to $88,710 | 3,340 |
| Maine | $78,590 | $62,180 to $95,730 | 1,650 |
| Maryland | $95,560 | $72,240 to $114,920 | not published |
| Massachusetts | $83,740 | $72,690 to $103,520 | 5,070 |
| Michigan | $78,850 | $62,850 to $96,260 | 6,640 |
| Minnesota | $78,350 | $65,200 to $97,840 | 5,530 |
| Mississippi | $77,100 | $58,910 to $93,230 | not published |
| Missouri | $75,840 | $59,820 to $94,520 | 6,200 |
| Montana | $63,860 | $54,380 to $81,080 | 1,230 |
| Nebraska | $75,830 | $61,700 to $94,680 | 3,160 |
| Nevada | $62,730 | $51,090 to $81,020 | not published |
| New Hampshire | $83,890 | $68,080 to $103,710 | 880 |
| New Jersey | $95,690 | $76,170 to $107,450 | 9,650 |
| New Mexico | $67,930 | $48,830 to $91,170 | 1,280 |
| New York | $87,130 | $66,770 to $105,160 | 17,330 |
| North Carolina | $75,310 | $57,990 to $95,100 | 9,880 |
| North Dakota | $65,460 | $58,120 to $79,400 | 750 |
| Ohio | $67,990 | $55,590 to $92,620 | 13,650 |
| Oklahoma | $71,260 | $60,040 to $86,260 | 4,140 |
| Oregon | $81,640 | $63,700 to $99,650 | 2,950 |
| Pennsylvania | $77,290 | $58,870 to $99,020 | 13,270 |
| Puerto Rico | $45,970 | $34,410 to $55,110 | 2,730 |
| Rhode Island | $86,520 | $69,200 to $107,060 | 1,150 |
| South Carolina | $75,370 | $61,110 to $91,560 | 4,130 |
| South Dakota | $78,900 | $65,640 to $96,400 | 1,030 |
| Tennessee | $78,010 | $60,940 to $97,560 | 6,390 |
| Texas | $78,800 | $59,780 to $97,990 | 29,220 |
| Utah | $69,000 | $56,880 to $88,290 | 2,440 |
| Vermont | $83,970 | $75,440 to $108,510 | 280 |
| Virgin Islands | $60,050 | $47,770 to $81,330 | 30 |
| Virginia | $74,240 | $60,930 to $94,420 | 7,860 |
| Washington | $80,700 | $64,750 to $100,610 | 6,180 |
| West Virginia | $67,290 | $56,570 to $88,710 | 1,340 |
| Wisconsin | $78,160 | $61,480 to $92,750 | 8,760 |
| Wyoming | $76,400 | $62,250 to $93,920 | 180 |
Nationally: $78,000. Shades run from the lowest state median to the highest; a territory below that range takes the lightest. How to read this
How AI touches the work
What AI could speed up, task by task, and where people already use it.
AI could halve the time on 23 of its 29 tasks
| AI rating | Its main tasks | Share of Claude conversations May 2026 |
|---|---|---|
| AI alone | Examine claims forms and other records to determine insurance coverage. | Not published |
| AI alone | Analyze information gathered by investigation and report findings and recommendations. | Not published |
| AI + software | Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. | Not published |
| AI + software | Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. | Not published |
| AI + software | 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. | Not published |
| AI + software | Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. | Not published |
See all 29 tasks
| AI alone | Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies. | Not published |
| AI + software | 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. | Not published |
| AI alone | Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation. | Not published |
| Not much | Pay and process claims within designated authority level. | Not published |
| AI + software | Refer questionable claims to investigator or claims adjuster for investigation or settlement. | Not published |
| AI + software | Confer with legal counsel on claims requiring litigation. | Not published |
| Not much | Investigate and assess damage to property and create or review property damage estimates. | Not published |
| Not much | Resolve complex, severe exposure claims, using high service oriented file handling. | Not published |
| AI + software | Contact or interview claimants, doctors, medical specialists, or employers to get additional information. | Not published |
| AI + software | Present cases and participate in their discussion at claim committee meetings. | Not published |
| AI + software | Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis. | Not published |
| AI + software | Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments. | Not published |
| Not much | Attend mediations or trials. | Not published |
| AI + software | Collect evidence to support contested claims in court. | Not published |
| AI + software | Report overpayments, underpayments, and other irregularities. | Not published |
| AI + software | Conduct detailed bill reviews to implement sound litigation management and expense control. | Not published |
| Not much | Communicate with reinsurance brokers to obtain information necessary for processing claims. | Not published |
| Not much | Supervise claims adjusters to ensure that adjusters have followed proper methods. | Not published |
| AI alone | Prepare reports to be submitted to company's data processing department. | Not published |
| AI + software | Examine titles to property to determine validity and act as company agent in transactions with property owners. | Not published |
| AI + software | Obtain credit information from banks and other credit services. | Not published |
| AI + software | Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit. | Not published |
| AI + software | Negotiate claim settlements or recommend litigation when settlement cannot be negotiated. | 0.01% |
Ordered by how important O*NET's respondents rate each task (1 to 5) times the share who say it is part of their job. The ordering is ours. O*NET hasn't rated 2 of the tasks, so they come last, in O*NET's own order. 1 of the 29 have a published share of Claude conversations; “not published” means too few conversations for Anthropic to publish a figure.
Where people already use AI
The tasks above say what AI could speed up. This shows what people are using it for. Its 29 tasks fall under 25 work activities that many occupations share, and Microsoft counted how often each one came up in 200,000 conversations with its Copilot assistant in 2024.
- #1 Gather information from physical or electronic sources
- #3 Respond to customer problems or inquiries
- #11 Provide information to guests, clients, or customers
- and 2 more, in the table below
| Work activity | This occupation's tasks under it | People asked AI for help in 10,000 conversations |
AI did it for them in 10,000 conversations |
|---|---|---|---|
| Investigate criminal or legal matters | |||
| Interview people to obtain information | |||
| Evaluate the quality or accuracy of data | |||
| Communicate with others about operational plans or activities | |||
| Negotiate contracts or agreements | |||
| Gather information from physical or electronic sources | |||
| Respond to customer problems or inquiries | |||
| Provide information to guests, clients, or customers |
Show all 25 activities
| Implement procedures or processes | |||
| Determine values or prices of goods or services | |||
| Verify personal information | |||
| Design computer or information systems or applications | |||
| Execute financial transactions | |||
| Advise others on legal or regulatory matters | |||
| Advise others on financial matters | |||
| Prepare reports of operational or procedural activities | |||
| Examine financial activities, operations, or systems | |||
| Prepare legal or regulatory documents | |||
| Analyze data to improve operations | |||
| Evaluate condition of financial assets, property, or other resources | |||
| Coordinate activities with clients, agencies, or organizations | |||
| Prepare financial documents, reports, or budgets | |||
| Maintain operational records | |||
| Discuss legal matters with clients, disputants, or legal professionals or staff | |||
| Supervise personnel activities |
How people in this work use Claude
What people in this work made with Claude % of conversations
- A document or report54%
- An email or message23%
- Advice or a recommendation8%
- An analysis or summary6%
- A plan or strategy2%
How they worked with Claude
47% of these conversations were about work. Anthropic Economic Index, May 2026.
How to read this
Work activities come from O*NET, which links every task to the broader activities it involves. Microsoft's figures are for the activity across everyone who used Copilot, not for claims adjusters, examiners, and investigators specifically. Copilot is a general chat assistant; dedicated coding tools are not included, so programming help is under-counted here. Activities are listed by how many of this occupation's tasks fall under them.
The task ratings say whether AI could halve the time a task takes: on its own (“AI alone”), or with software built on it (“AI + software”). They were made by people in 2023 (Eloundou et al.). Claude's share is the task's share of all Claude.ai conversations in May 2026; Anthropic doesn't publish a task with too few conversations. None of these add up to the BLS exposure group, which combines five research measures.
More in the Guide: task ratings · task order · work activities · Copilot figures · Claude
High exposure doesn't mean fewer jobs
BLS projects most occupations in its two most exposed groups to grow: 141 of 206 rated Very high and 165 of 206 rated High. Each dot is one of the 831 occupations BLS rates.
Career moves into and out of this occupation
From moves between occupations found in online resumes, 2002–2016. Career changes only: a first job after school isn't a move.
Where people moved next
of 87,061 moves out
- 1 Managers, All Other (2010 group) an older group BLS has since split; no exposure group today 6%
- 2 Customer Service Representatives Very high -5.3% 5%
- 3 Insurance Claims and Policy Processing Clerks Very high -1.9% 4%
- 4 Management Analysts Very high +10.1% 3%
- 5 General and Operations Managers High +5.0% 3%
Where people moved in from
of 88,550 moves in
- 1 Customer Service Representatives Very high -5.3% 9%
- 2 Insurance Claims and Policy Processing Clerks Very high -1.9% 6%
- 3 Managers, All Other (2010 group) an older group BLS has since split; no exposure group today 5%
- 4 Retail Salespersons Very high -0.3% 3%
- 5 Secretaries and Administrative Assistants, Except Legal, Medical, and Executive Very high -6.0% 3%
Resumes over-represent younger, white-collar job-seekers and moves into management. Schubert, Stansbury and Taska (resume data).
Education and training for the occupation
O*NET survey of workers in this occupation
- 13% high school
- 3% postsecondary certificate
- 12% some college
- 12% associate's
- 56% bachelor's
- 1% master's
- 4% research doctorate
O*NET 31.0 survey of workers in this occupation · 40 people answered.
Census survey (American Community Survey)
- 1% less than high school
- 15% high school
- 24% some college
- 11% associate's
- 38% bachelor's
- 9% master's
- 1% professional degree
Census ACS 2024, all workers in the Census group “Claims adjusters, appraisers, examiners, and investigators” · 3,791 people surveyed.
Why the two can differ
O*NET asks about 20 people in each occupation, which makes its shares uncertain, but it reports the exact occupation and counts certificates. The Census survey reaches thousands, but it groups some occupations together and counts degrees only. More in the Guide
Median pay by highest degree full-time, year-round · Census ACS 2024, all workers in the Census group “Claims adjusters, appraisers, examiners, and investigators”
2 programs: Health/Medical Claims Examiner and Insurance.
Jobs that require a credential BLS Occupational Requirements Survey 2023
45.7% this occupation
45.3% all occupations
| By kind | This occupation | All occupations |
|---|---|---|
| a license | 34.2% | 19.1% |
| a certification | 2.2% | 5.8% |
| an educational certificate | not published |
Share of jobs whose employer requires it. BLS doesn't say which credential. How to read this
Look up certifications, training and licenses U.S. Department of Labor
- Certification Finder ↗ certifications CareerOneStop lists for this occupation
- Training Finder ↗ schools and programs, nationwide; narrow the place there
- License Finder ↗ licenses by state
- Apprenticeship Finder ↗ DOL lists 1 registered apprenticeship in this occupation (Disability Analyst). Apprenticeship.gov can't be linked to one occupation, so search for “Claims Adjusters, Examiners, and Investigators” there.
These open in a new tab and send only the occupation's public code. More in the Guide
BLS AI exposure categories (Aug 2026) · BLS Employment Projections 2025–35 · O*NET 31.0 · Task ratings: Eloundou et al., Science (2024) · Microsoft "Working with AI" v1.1 · Anthropic Economic Index (2026-06-26) · Schubert, Stansbury and Taska · NCES CIP–SOC · Census ACS 2024 · BLS JOLTS · Brynjolfsson, Chandar and Chen, Stanford (Aug 2026)
See it online, and explore any career: https://www.pathmosaic.com/card/13-1031.00