AI exposure by occupation, O*NET 13-1031.00

Will AI replace Claims Adjusters, Examiners, and Investigators?

Claims Adjusters, Examiners, and Investigators: AI can already handle 26 of 29 tasks; the work mostly needs a standard-tier model.

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Every task, scored

The 29 tasks O*NET 30.3 lists for Claims Adjusters, Examiners, and Investigators, from most to least exposed. 26 reach 60 or more, the level at which AI already handles a task.

Task AI exposure Evidence Model tier Importance
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. 80 Estimated Efficient 4.7
Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit. 80 Estimated Efficient 3.0
Examine claims forms and other records to determine insurance coverage. 75 Estimated Standard 4.8
Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. 75 Estimated Efficient 4.6
Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation. 75 Estimated Efficient 4.6
Resolve complex, severe exposure claims, using high service oriented file handling. 75 Estimated Frontier 4.5
Confer with legal counsel on claims requiring litigation. 75 Estimated Standard 4.4
Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments. 75 Estimated Efficient 4.4
Refer questionable claims to investigator or claims adjuster for investigation or settlement. 75 Estimated Standard 4.3
Collect evidence to support contested claims in court. 75 Estimated Efficient 4.3
Supervise claims adjusters to ensure that adjusters have followed proper methods. 75 Estimated Frontier 4.2
Contact or interview claimants, doctors, medical specialists, or employers to get additional information. 75 Estimated Efficient 4.0
Communicate with reinsurance brokers to obtain information necessary for processing claims. 75 Estimated Standard 4.0
Present cases and participate in their discussion at claim committee meetings. 75 Estimated Standard 3.9
Report overpayments, underpayments, and other irregularities. 75 Estimated Standard 3.8
Attend mediations or trials. 75 Estimated Efficient 3.7
Examine titles to property to determine validity and act as company agent in transactions with property owners. 75 Estimated Efficient 3.7
Prepare reports to be submitted to company's data processing department. 75 Estimated Efficient 3.7
Obtain credit information from banks and other credit services. 75 Estimated Efficient 2.9
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. 65 Estimated Efficient 4.7
Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability. 65 Estimated Frontier 4.7
Investigate and assess damage to property and create or review property damage estimates. 65 Estimated Standard 4.6
Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review. 65 Estimated Efficient 4.6
Conduct detailed bill reviews to implement sound litigation management and expense control. 65 Estimated Standard 4.0
Analyze information gathered by investigation and report findings and recommendations. 60 Estimated Efficient 4.8
Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies. 60 Estimated Frontier 4.4
Pay and process claims within designated authority level. 50 Estimated Efficient 4.8
Negotiate claim settlements or recommend litigation when settlement cannot be negotiated. 40 Observed Standard 3.0
Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis. 20 Estimated Efficient 4.3

Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 1 of 29 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 28 of 29. Importance is O*NET's 1 to 5 rating of how central the task is. Model tier is the lowest tier that can do the task under the published rubric; "No tier" marks hands-on work.

The model tier this role needs

A standard-tier model or lower covers 85% of the role's importance-weighted task work. 100% of the work is something AI can address at some tier.

Efficient, standard and frontier tiers come from the JobRoute model tier reference. The recommended tier is the lowest one that covers 80% of the work AI can address. How the method works.

Wages, employment and outlook

US employment
324,230
Median annual wage
$78,000
Middle half of earners
$61,160 to $98,030
Projected change, 2024 to 2034
-5.1%

Employment and wages: BLS Occupational Employment and Wage Statistics, May 2025, national. Projection: BLS Employment Projections 2024 to 2034.

Adjacent roles

The occupations that reuse the most of this role's skills, with the usual time to move. These are the first places to look when you plan to redeploy or retrain people in this role.

Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.

Questions about Claims Adjusters, Examiners, and Investigators and AI

Will AI replace Claims Adjusters, Examiners, and Investigators?

AI already handles 26 of the 29 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 69 out of 100. JobRoute scores tasks, not whole jobs, so the score shows how much of the work changes rather than whether the job disappears. BLS projects employment to change by -5.1% from 2024 to 2034.

What is the AI exposure of Claims Adjusters, Examiners, and Investigators?

69 out of 100 on JobRoute's task exposure measure, the importance-weighted average of the role's O*NET task scores. Higher means more of the work is AI-doable today. 1 of the 29 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 28 are estimated from each task's O*NET work activity.

Which Claims Adjusters, Examiners, and Investigators tasks can AI already do?

The tasks with the highest exposure are: 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; Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit; Examine claims forms and other records to determine insurance coverage. They are three of the 26 tasks that reach 60 or more.

What AI model tier does this role need?

A standard-tier model or lower covers 85% of the role's importance-weighted task work. JobRoute assigns each task the lowest tier that can do it under a published rubric and recommends the lowest tier that covers 80% of the work AI can address.

How many people work as Claims Adjusters, Examiners, and Investigators, and what do they earn?

324,230 people in the United States, with a median annual wage of $78,000 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of -5.1% from 2024 to 2034.

How to cite

Data version 2026-11-02, JobRoute method v1.0.0. Download all occupations or this occupation as JSON. Methodology.

JobRoute (2026). AI exposure: Claims Adjusters, Examiners, and Investigators. Data version 2026-11-02, method v1.0.0. Built on O*NET 30.3, BLS OEWS May 2025 and the Anthropic Economic Index (June 2026). CC BY 4.0. https://www.jobroute.ai/jobs/claims-adjusters-examiners-and-investigators

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