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Claims Adjusters, Examiners, and Investigators

Review 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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    Work Activities

    Work Activities

    • Prepare reports to be submitted to company's data processing department.
    • Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
    • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
    • Pay and process claims within designated authority level.
    • Report overpayments, underpayments, and other irregularities.
    • Obtain credit information from banks and other credit services.
    • Examine titles to property to determine validity and act as company agent in transactions with property owners.
    • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
    • Examine claims forms and other records to determine insurance coverage.
    • Present cases and participate in their discussion at claim committee meetings.
    • Analyze information gathered by investigation and report findings and recommendations.
    • 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.
    • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
    • Investigate and assess damage to property and create or review property damage estimates.
    • Analyze information gathered by investigation and report findings and recommendations.
    • Supervise claims adjusters to ensure that adjusters have followed proper methods.
    • Confer with legal counsel on claims requiring litigation.
    • 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.
    • Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
    • 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.
    • Collect evidence to support contested claims in court.
    • Conduct detailed bill reviews to implement sound litigation management and expense control.
    • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
    • Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
    • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
    • Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
    • Communicate with reinsurance brokers to obtain information necessary for processing claims.
    • Refer questionable claims to investigator or claims adjuster for investigation or settlement.

    Skills

    • Quality Control Analysis

      Testing how well a product or service works.

    • Management of Material Resources

      Managing equipment and materials.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Technology Design

      Making equipment and technology useful for customers.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Operation and Control

      Using equipment or systems.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Time Management

      Managing your time and the time of other people.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Instructing

      Teaching people how to do something.

    • Social Perceptiveness

      Understanding people's reactions.

    • Coordination

      Changing what is done based on other people's actions.

    • Mathematics

      Using math to solve problems.

    • Negotiation

      Bringing people together to solve differences.

    • Writing

      Writing things for co-workers or customers.

    • Speaking

      Talking to others.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Reading Comprehension

      Reading work-related information.

    • Repairing

      Repairing machines or systems using the right tools.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Programming

      Writing computer programs.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Science

      Using scientific rules and strategies to solve problems.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Service Orientation

      Looking for ways to help people.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    4

    Abilities

    • Written Expression

      Communicating by writing.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Problem Sensitivity

      Noticing when problems happen.

    • Oral Comprehension

      Listening and understanding what people say.

    • Time Sharing

      Doing two or more things at the same time.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Deductive Reasoning

      Using rules to solve problems.

    • Written Comprehension

      Reading and understanding what is written.

    • Spatial Orientation

      Knowing where things are around you.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Night Vision

      Seeing at night or under low light.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Information Ordering

      Ordering or arranging things.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Selective Attention

      Paying attention to something without being distracted.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Speech Recognition

      Recognizing spoken words.

    • Originality

      Creating new and original ideas.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Speech Clarity

      Speaking clearly.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Trunk Strength

      Using your lower back and stomach.

    • Category Flexibility

      Grouping things in different ways.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Near Vision

      Seeing details up close.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Oral Expression

      Communicating by speaking.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Far Vision

      Seeing details that are far away.

    Knowledge

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

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    Pay

    • Ohio Annual Salary 62320/yr
    • Typical Salary
    • Ohio Hourly Wage 29.96/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 13,540
    • Yearly Projected Openings 980

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Integrity
    • Stress Tolerance
    • Dependability
    • Attention to Detail
    • Initiative
    • Achievement/Effort

    Tools

    • Automotive computer systems
    • Desktop computers
    • Measuring wheels for distance
    • Notebook computers
    • Personal computers
    • Personal digital assistant PDAs or organizers
    • Portable data input terminals
    • Scanners
    • Tablet computers
    • Theodolites

    Technology

    • Access software
    • Analytical or scientific software
    • Computer aided design CAD software
    • Data base reporting software
    • Data base user interface and query software
    • Desktop publishing software
    • Document management software
    • Enterprise resource planning ERP software
    • Expert system software
    • Financial analysis software
    • Information retrieval or search software
    • Interactive voice response software
    • Medical software
    • Office suite software
    • Presentation software
    • Spreadsheet software
    • Word processing software

    Tags

    • InDemand occupations are considered a priority by the state of Ohio.
    • Apprenticeships are available for this occupation. These programs can help you get hands-on experience and build your skills.

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