What does a Claims Examiner do?

Claims examiners review insurance claims to verify both the claimant and claim adjuster followed due process during the investigation and reporting phase of a case. Claims examiners ensure legal compliance and approve or deny insurance claims while assisting adjusters when needed. They diligently review reports to ensure that no errors have been made in the appraisal process and determine whether payout amounts are reasonable. They approve, reject, or refer a claim to a specialist and meet with claimants with dispute settlements.

Claims examiners ensure cases comply with regulatory standards, company policy, and guidelines and provide assistance to claim adjusters to manage caseloads. Claims examiners consult with specialists including lawyers or engineers and assist attorneys and other specialists when defending the company against contested claims. They contribute to the final decision coverage of losses due to an accident or illness. Claims examiners need a high school diploma for an entry-level position, and a bachelor's degree in finance or related fields is preferred.

What responsibilities are common for Claims Examiner jobs?
  • Efficiently investigate, evaluate, and manage all type of claims.
  • Communicate with claimants, providers and vendors regarding claims issues.
  • Maintain a suspense system to ensure regular review of case files.
  • Prepare timely and appropriate file reviews, per departmental guidelines.
  • Establish and maintain appropriate reserves in accordance with department policies and procedures.
  • Input claims into the system for appropriate tracking and processing.
  • Provide support, coaching and mentoring to other team members, as needed.
  • Interact directly with policyholders on claim updates and resolution strategies.
  • Direct and manage legal counsel to ensure timely and cost-effective litigation.
  • Perform work that is varied and that may be somewhat difficult in character, but usually involves limited responsibility.
  • Monitor case files daily to determine if reserves are set accurately and adjust within authority.
  • Closely monitor day to day operations of self and team to ensure utilization and minimize errors.
  • Accountable for reviewing adjudication software system's claim and line item edits to decide whether to pay claim/line item(s).
  • Develop some level of communication with client claims managers to address issues,
  • Participate in meetings and project activities outside of the primary location at locations.
What are the typical qualifications for Claims Examiner jobs?
  • Bachelor's Degree in business or training in insurance practices and equivalent experience.
  • Sound negotiation and problem solving capabilities.
  • Proven record of attention to detail, time management, and leadership abilities.
  • Fluent in insurance process, including negotiation, reserving, CPT Coding, and liabilities.
  • Experience with HCPCS, CPT Coding, and R Language processes and software.
  • Is a critical thinker and able to deploy writing protocols for correspondence including client EOB statements.
  • Comfortable multitasking.
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Work/Life Balance
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Salary Range--
Career Opportunity
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Avg. Experience0-1 Year

Claims Examiner Salaries

Average Base Pay

$4,500 /yr
Same as national average
Not including cash compensation
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Not enough salaries reported to show distribution
$3K
Median: $5K
$48K
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Glassdoor Estimated Salary

Claims Examiner Career Path

Learn how to become a Claims Examiner, what skills and education you need to succeed, and what level of pay to expect at each step on your career path.

Average Years of Experience

0 - 1
49%
2 - 4
39%
5 - 7
4%
8+
8%
Not including years spent in education and/or training
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Claims Examiner Insights

Read what Claims Examiner professionals have to say about their job experiences and view top companies for this career.
ManhattanLifeManhattanLife
Claims Examiner
17 Mar 2022

“Pay is not good well not for me atleast for the years I've been here”

Provencher & CompanyProvencher & Company
Claims Examiner
20 Aug 2021

“Amazing group of dedicated people who really try to figure ways to get things done.”

James River Group
Senior Claims Examiner
22 Apr 2021

“Working from home is great and gives me the flexibilty to have a much better work life balance than my peers in the industry.”

SedgwickSedgwick
Workers Compensation Claims Examiner
6 Mar 2022

“Sedgwick is a great place to start your career but not necessarily the best place to stay for a long time.”

Future GeneraliFuture Generali
Claims Examiner
4 Feb 2021

“Good work and life balance”

The StandardThe Standard
Leave and Disability Claims Examiner
16 Jan 2022

“Amazing work and life balance”

Crum & ForsterCrum & Forster
Claims Examiner
21 Feb 2021

“You get to work from home and flexible schedule”

ExamOneExamOne
Insurance Examiner
8 Jun 2020

“You make your own schedule and it pays good.”

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Claims Examiner Interviews

Frequently asked questions about the role and responsibilities of a Claims Examiner

The most similar professions to Claims Examiner are:
  • Claims Analyst
  • Claims Adjuster
  • Claims Representative
  • Claims Manager

Related Careers

Claims Analyst
$47,000
No skills overlap
Claims Adjuster
$45,500
No skills overlap
Claims Representative
No skills overlap
Claims Manager

Claims Examiner jobs