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Insurance Claims and Policy Processing Clerks

Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.

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    Work Activities

    Work Activities

    • Process and record new insurance policies and claims.
    • Apply insurance rating systems.
    • Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.
    • Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
    • Transmit claims for payment or further investigation.
    • Notify insurance agent and accounting department of policy cancellation.
    • Post or attach information to claim file.
    • Check computations of interest accrued, premiums due, and settlement surrender on loan values.
    • Interview clients and take their calls to provide customer service and obtain information on claims.
    • Calculate amount of claim.
    • Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
    • Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
    • Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
    • Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.
    • Prepare insurance claim forms or related documents, and review them for completeness.
    • Contact insured or other involved persons to obtain missing information.
    • Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.
    • Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.
    • Prepare insurance claim forms or related documents, and review them for completeness.
    • Correspond with insured or agent to obtain information or to inform them of account status or changes.
    • Pay small claims.
    • Collect initial premiums and issue receipts.
    • Review insurance policy to determine coverage.
    • Interview clients and take their calls to provide customer service and obtain information on claims.
    • Compose business correspondence for supervisors, managers, and professionals.

    Skills

    • Negotiation

      Bringing people together to solve differences.

    • Programming

      Writing computer programs.

    • Operations Analysis

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

    • Critical Thinking

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

    • Instructing

      Teaching people how to do something.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Social Perceptiveness

      Understanding people's reactions.

    • Service Orientation

      Looking for ways to help people.

    • Equipment Selection

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

    • Active Listening

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

    • Monitoring

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

    • Troubleshooting

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

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Management of Material Resources

      Managing equipment and materials.

    • Judgment and Decision Making

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

    • Quality Control Analysis

      Testing how well a product or service works.

    • Writing

      Writing things for co-workers or customers.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Speaking

      Talking to others.

    • Science

      Using scientific rules and strategies to solve problems.

    • Learning Strategies

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

    • Coordination

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

    • Mathematics

      Using math to solve problems.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Repairing

      Repairing machines or systems using the right tools.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Operation and Control

      Using equipment or systems.

    • Systems Evaluation

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

    • Operations Monitoring

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

    • Time Management

      Managing your time and the time of other people.

    • Reading Comprehension

      Reading work-related information.

    • Complex Problem Solving

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

    • Technology Design

      Making equipment and technology useful for customers.

    • Systems Analysis

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

    WorkKeys®

    Applied Math
    3
    Workplace Documents
    4
    Graphic Literacy
    4

    Abilities

    • Auditory Attention

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

    • Speech Recognition

      Recognizing spoken words.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Glare Sensitivity

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

    • Flexibility of Closure

      Seeing hidden patterns.

    • Perceptual Speed

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

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Information Ordering

      Ordering or arranging things.

    • Spatial Orientation

      Knowing where things are around you.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Response Orientation

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

    • Reaction Time

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

    • Manual Dexterity

      Holding or moving items with your hands.

    • Gross Body Coordination

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

    • Multilimb Coordination

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

    • Problem Sensitivity

      Noticing when problems happen.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Written Expression

      Communicating by writing.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Deductive Reasoning

      Using rules to solve problems.

    • Category Flexibility

      Grouping things in different ways.

    • Night Vision

      Seeing at night or under low light.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Dynamic Flexibility

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

    • Written Comprehension

      Reading and understanding what is written.

    • Inductive Reasoning

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

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Time Sharing

      Doing two or more things at the same time.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Depth Perception

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

    • Stamina

      Exercising for a long time without getting out of breath.

    • Oral Comprehension

      Listening and understanding what people say.

    • Speech Clarity

      Speaking clearly.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Near Vision

      Seeing details up close.

    • Extent Flexibility

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

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Oral Expression

      Communicating by speaking.

    • Control Precision

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

    • Trunk Strength

      Using your lower back and stomach.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Far Vision

      Seeing details that are far away.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Selective Attention

      Paying attention to something without being distracted.

    • Rate Control

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

    • Visualization

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

    • Originality

      Creating new and original ideas.

    • Wrist-Finger Speed

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

    Knowledge

    • 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.

    • Design

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

    • 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.

    • 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.

    • 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.

    • English Language

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

    • 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.

    • 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.

    • Economics and Accounting

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

    • 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.

    • Fine Arts

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

    • 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.

    • Law and Government

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

    • 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.

    • Food Production

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

    • Computers and Electronics

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

    • Sociology and Anthropology

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

    • 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.

    • 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.

    • 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.

    • 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.

    • Mechanical

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

    • Mathematics

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

    • Biology

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

    • Production and Processing

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

    • Transportation

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

    • 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.

    • History and Archeology

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

    • 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.

    • 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.

    • 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.

    • Telecommunications

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

    • 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.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 45350/yr
    • Typical Salary
    • Ohio Hourly Wage 21.81/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 14,880
    • Yearly Projected Openings 1490

    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:
    • Attention to Detail
    • Integrity
    • Dependability
    • Cooperation
    • Self Control
    • Independence

    Tools

    • Desktop calculator
    • Desktop computers
    • Dictation machines
    • Personal computers

    Technology

    • Accounting software
    • Data base user interface and query software
    • Document management software
    • Electronic mail software
    • Financial analysis software
    • Instant messaging software
    • Internet browser 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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    Workforce Supply Tool

    The Workforce Supply Tool provides statistics for the occupations in highest demand throughout Ohio.

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