AI exposure by occupation, O*NET 43-9041.00

Will AI replace Insurance Claims and Policy Processing Clerks?

Insurance Claims and Policy Processing Clerks: AI can already handle 23 of 25 tasks; the work mostly needs a standard-tier model.

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Every task, scored

The 25 tasks O*NET 30.3 lists for Insurance Claims and Policy Processing Clerks, from most to least exposed. 23 reach 60 or more, the level at which AI already handles a task.

Task AI exposure Evidence Model tier Importance
Compose business correspondence for supervisors, managers, and professionals. 99 Observed Efficient 3.7
Pay small claims. 85 Estimated Efficient 4.7
Post or attach information to claim file. 85 Estimated Efficient 4.6
Transmit claims for payment or further investigation. 85 Estimated Efficient 4.6
Contact insured or other involved persons to obtain missing information. 85 Estimated Standard 4.5
Process and record new insurance policies and claims. 85 Estimated Efficient 4.5
Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. 85 Estimated Efficient 4.5
Correspond with insured or agent to obtain information or to inform them of account status or changes. 85 Estimated Standard 4.3
Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met. 85 Estimated Standard 4.2
Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes. 85 Estimated Standard 4.1
Collect initial premiums and issue receipts. 85 Estimated Frontier 4.1
Interview clients and take their calls to provide customer service and obtain information on claims. 85 Estimated Efficient 3.9
Obtain computer printout of policy cancellations, or retrieve cancellation cards from file. 85 Estimated Efficient 3.8
Notify insurance agent and accounting department of policy cancellation. 85 Estimated Standard 3.6
Enter insurance- and claims-related information into database systems. 85 Estimated Frontier 3.0
Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance. 85 Estimated Efficient 3.0
Calculate amount of claim. 80 Estimated Frontier 4.6
Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies. 80 Estimated Efficient 4.2
Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards. 80 Estimated Standard 3.0
Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. 79 Observed Frontier 4.4
Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts. 79 Observed Frontier 4.1
Prepare insurance claim forms or related documents, and review them for completeness. 65 Estimated Efficient 4.8
Review insurance policy to determine coverage. 65 Estimated Standard 4.5
Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors. 20 Estimated Efficient 4.4
Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled. 20 Estimated Efficient 3.0

Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 3 of 25 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 22 of 25. 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 80% 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
214,260
Median annual wage
$49,230
Middle half of earners
$44,270 to $60,490
Projected change, 2024 to 2034
-3.7%

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 Insurance Claims and Policy Processing Clerks and AI

Will AI replace Insurance Claims and Policy Processing Clerks?

AI already handles 23 of the 25 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 78 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 -3.7% from 2024 to 2034.

What is the AI exposure of Insurance Claims and Policy Processing Clerks?

78 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. 3 of the 25 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 22 are estimated from each task's O*NET work activity.

Which Insurance Claims and Policy Processing Clerks tasks can AI already do?

The tasks with the highest exposure are: Compose business correspondence for supervisors, managers, and professionals; Pay small claims; Post or attach information to claim file. They are three of the 23 tasks that reach 60 or more.

What AI model tier does this role need?

A standard-tier model or lower covers 80% 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 Insurance Claims and Policy Processing Clerks, and what do they earn?

214,260 people in the United States, with a median annual wage of $49,230 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of -3.7% 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: Insurance Claims and Policy Processing Clerks. 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/insurance-claims-and-policy-processing-clerks

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