Claims Adjusters, Examiners, and Investigators

Claims Adjusters, Examiners, and Investigators score 52 out of 100, which is elevated exposure to AI. That ranks #195 of 923 US occupations, where #1 is the most exposed. Of the 29 tasks in this job, AI could speed up 3 on its own and 25 more with extra software built on top of it. In April–May 2026, 5 of these tasks showed up in real conversations with Claude, Anthropic's AI assistant.

52/ 100

Elevated

Rank: #195of 923 jobs
US workers: 324,230BLS, May 2025
Median pay: $78,000a year
In real AI use: 5 of 29tasks, April–May 2026

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Task by task

Each task this job involves, as listed by O*NET, rated on whether a large language model like GPT-4 could cut the time it takes by at least half at the same quality. Tasks marked Seen in real AI use appeared in conversations with Claude in April–May 2026 (Anthropic Economic Index).

AI can speed this up on its own: 3 (10%)
AI can speed this up with extra software: 25 (86%)
Little or no AI speed-up: 1 (3%)

Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.AI can speed this up on its own · core task · Seen in real AI use
Communicate with reinsurance brokers to obtain information necessary for processing claims.AI can speed this up on its own · supplemental task
Prepare reports to be submitted to company's data processing department.AI can speed this up on its own · supplemental task
Examine claims forms and other records to determine insurance coverage.AI can speed this up with extra software · core task
Analyze information gathered by investigation and report findings and recommendations.AI can speed this up with extra software · core task · Seen in real AI use
Pay and process claims within designated authority level.AI can speed this up with extra software · core task
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.AI can speed this up with extra software · core task
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.AI can speed this up with extra software · core task · Seen in real AI use
Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.AI can speed this up with extra software · core task
Investigate and assess damage to property and create or review property damage estimates.AI can speed this up with extra software · core task
Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.AI can speed this up with extra software · core task
Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.AI can speed this up with extra software · core task
Resolve complex, severe exposure claims, using high service oriented file handling.AI can speed this up with extra software · core task
Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.AI can speed this up with extra software · core task
Confer with legal counsel on claims requiring litigation.AI can speed this up with extra software · core task
Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.AI can speed this up with extra software · core task
Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.AI can speed this up with extra software · core task
Refer questionable claims to investigator or claims adjuster for investigation or settlement.AI can speed this up with extra software · core task
Collect evidence to support contested claims in court.AI can speed this up with extra software · core task
Contact or interview claimants, doctors, medical specialists, or employers to get additional information.AI can speed this up with extra software · core task
Present cases and participate in their discussion at claim committee meetings.AI can speed this up with extra software · core task
Report overpayments, underpayments, and other irregularities.AI can speed this up with extra software · core task · Seen in real AI use
Supervise claims adjusters to ensure that adjusters have followed proper methods.AI can speed this up with extra software · supplemental task
Conduct detailed bill reviews to implement sound litigation management and expense control.AI can speed this up with extra software · supplemental task
Examine titles to property to determine validity and act as company agent in transactions with property owners.AI can speed this up with extra software · supplemental task
Obtain credit information from banks and other credit services.AI can speed this up with extra software · supplemental task
Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.AI can speed this up with extra software
Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.AI can speed this up with extra software · Seen in real AI use
Attend mediations or trials.Little or no AI speed-up · core task

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Questions about claims adjusters, examiners, and investigators and AI

Will AI replace claims adjusters, examiners, and investigators?

Not entirely. Parts of the job are likely to change as AI takes over routine tasks. Claims Adjusters, Examiners, and Investigators score 52 out of 100 (elevated exposure), #195 of 923 US jobs. AI could speed up 28 of the job's 29 tasks, 3 of them on its own, while 1 see little or no speed-up. Exposure means the work is likely to change, not that the job will disappear.

Which claims adjusters, examiners, and investigators tasks can AI do?

The most exposed tasks include "Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation"; "Communicate with reinsurance brokers to obtain information necessary for processing claims"; "Prepare reports to be submitted to company's data processing department".

Which claims adjusters, examiners, and investigators tasks are hardest for AI?

Tasks with little or no AI speed-up include "Attend mediations or trials".

Are people already using AI for this work?

Yes. In April–May 2026, 5 of the 29 tasks showed up in real conversations with Claude, according to the Anthropic Economic Index.

How many people work as claims adjusters, examiners, and investigators, and what do they earn?

About 324,230 people in the US, with median pay of $78,000 a year (BLS, May 2025).

How to read this score. Exposure measures how much of the work AI could speed up, not whether the job will disappear. A highly exposed job can change shape, with people spending less time on routine tasks and more on the rest. The score counts tasks AI can speed up on its own in full, and tasks that need extra software at half weight.

The ratings come from published research based on GPT-4 (2023). To show what's happening now, each task is also checked against the latest Anthropic Economic Index, which records which tasks people actually use AI for. That data is refreshed automatically when Anthropic publishes a new release. Read the full method.