Your work. Your records.
Insurance Claims Staff Workplace Records
Claims adjusters, examiners and investigators may review evidence, recommend action and process decisions under defined authority. If your own employment is in dispute, describe which stage you handled and which decisions required approval. Keep that workplace timeline distinct from the merits of a customer’s claim and from confidential information gathered during the claim review.
Call now(800) 800-5555Free initial case evaluation. Representation depends on work state and case eligibility. This guide explains record preparation; it does not determine whether a legal claim exists.
A record map for your role
What to organize first
Authority outline
List the decisions you could make and those requiring approval, with the relevant instruction or escalation date.
Assignment changes
Identify caseload, territory or target changes and your permitted messages requesting support or clarification about their effect.
Employment response
Keep the review or warning addressed to you with your explanation, excluding claimant files, medical information and restricted legal communications.
Start with the work you actually do
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.
O*NET classifies this occupation as Claims Adjusters, Examiners, and Investigators (13-1031.00). Its description covers a typical occupation, not every workplace or individual job. It does not establish employee status, overtime eligibility or employer misconduct.
- Examine claims forms and other records to determine insurance coverage.Source task 21417 · updated 08/2022
- Analyze information gathered by investigation and report findings and recommendations.Source task 21418 · updated 08/2022
- Pay and process claims within designated authority level.Source task 21426 · updated 08/2022
- 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.Source task 21423 · updated 08/2022
A reference point for your pay records
May 2025 wage estimates by state
Compare your pay records with published BLS estimates for Claims Adjusters, Examiners, and Investigators (SOC 13-1031). These describe an occupation across employers. They are not a required pay rate, an overtime calculation, or evidence of discrimination or unpaid wages.
Select your work state to see its published pay range. No personal pay information is requested or sent.
The 25th and 75th percentiles mark the middle half of the estimated wage distribution; the median is its midpoint. Actual pay can differ with experience, employer, location and duties. Hourly and annual figures are shown as published, without converting one into the other.
All published state estimates for this occupation
| State | Hourly 25th | Hourly median | Hourly 75th | Annual median |
|---|---|---|---|---|
| Alabama | $29.93 | $38.32 | $46.67 | $79,710 |
| Alaska | $35.96 | $42.15 | $52.24 | $87,670 |
| Arizona | $28.38 | $31.30 | $38.57 | $65,110 |
| Arkansas | $27.43 | $35.54 | $44.83 | $73,920 |
| Connecticut | $36.90 | $42.47 | $52.95 | $88,330 |
| Delaware | $28.40 | $34.79 | $46.26 | $72,370 |
| Florida | $28.48 | $36.98 | $45.13 | $76,920 |
| Georgia | $29.32 | $35.25 | $40.96 | $73,320 |
| Hawaii | $30.08 | $38.02 | $47.24 | $79,080 |
| Idaho | $28.44 | $37.19 | $49.23 | $77,340 |
| Indiana | $28.54 | $35.36 | $44.02 | $73,560 |
| Iowa | $29.25 | $34.92 | $39.40 | $72,640 |
| Kansas | $30.41 | $37.16 | $46.68 | $77,290 |
| Kentucky | $29.82 | $35.50 | $43.20 | $73,840 |
| Louisiana | $23.94 | $31.36 | $42.65 | $65,220 |
| Maine | $29.90 | $37.79 | $46.02 | $78,590 |
| Michigan | $30.22 | $37.91 | $46.28 | $78,850 |
| Minnesota | $31.35 | $37.67 | $47.04 | $78,350 |
| Mississippi | $28.32 | $37.07 | $44.82 | $77,100 |
| Missouri | $28.76 | $36.46 | $45.44 | $75,840 |
| Montana | $26.15 | $30.70 | $38.98 | $63,860 |
| Nebraska | $29.66 | $36.46 | $45.52 | $75,830 |
| New Hampshire | $32.73 | $40.33 | $49.86 | $83,890 |
| New Mexico | $23.48 | $32.66 | $43.83 | $67,930 |
| New York | $32.10 | $41.89 | $50.56 | $87,130 |
| North Carolina | $27.88 | $36.21 | $45.72 | $75,310 |
| North Dakota | $27.94 | $31.47 | $38.17 | $65,460 |
| Ohio | $26.73 | $32.69 | $44.53 | $67,990 |
| Oklahoma | $28.87 | $34.26 | $41.47 | $71,260 |
| Pennsylvania | $28.30 | $37.16 | $47.60 | $77,290 |
| Rhode Island | $33.27 | $41.60 | $51.47 | $86,520 |
| South Dakota | $31.56 | $37.93 | $46.35 | $78,900 |
| Tennessee | $29.30 | $37.50 | $46.91 | $78,010 |
| Texas | $28.74 | $37.89 | $47.11 | $78,800 |
| Utah | $27.35 | $33.18 | $42.45 | $69,000 |
| Vermont | $36.27 | $40.37 | $52.17 | $83,970 |
| Virginia | $29.29 | $35.69 | $45.39 | $74,240 |
| West Virginia | $27.20 | $32.35 | $42.65 | $67,290 |
| Wisconsin | $29.56 | $37.58 | $44.59 | $78,160 |
| Wyoming | $29.93 | $36.73 | $45.15 | $76,400 |
“Not published” preserves unavailable or suppressed source cells. “Above reporting limit” preserves a top-coded source value without inventing a number. A missing state estimate does not establish service eligibility. The data describe wage and salary employment; they do not measure self-employment income.
Source: BLS May 2025 state workbook · OEWS tables · BLS technical notes. Use your own schedule, pay statement and compensation terms to identify the question you want reviewed.
Identify authority and escalation steps
Describe your assigned claim category and the authority limits relevant to the disputed instruction. Record when you requested approval, additional investigation or clarification and who responded. Distinguish your recommendation from the final decision. Do not use a claim outcome alone to infer responsibility; the chronology should show the actual steps you performed and the information available to you.
Put workload metrics in context
List the target or deadline applied to your own evaluation and when it was communicated. Note changes in caseload, complexity, territory or documentation requirements that you reported. Explain dependencies such as waiting for a review without including claimant identities. Use permitted assignment summaries and your own time records instead of downloading claim files or another adjuster’s performance data.
Protect claim materials and legal communications
Do not copy medical records, investigation images, customer statements or communications with legal counsel into a personal employment folder. Describe the type and location of a relevant record before sharing its contents. Keep your own agreement, performance review and response separately. If you worked through a contractor or on a temporary deployment, identify the actual employer and who directed your work.
Choose your next step
Review the workplace retaliation guide, unpaid wages guide, or discrimination guide if those concerns fit your experience. A job title alone does not establish a claim.
Call now(800) 800-5555Current service-state coverage
AK, AL, AR, AZ, CT, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NY, OH, OK, PA, RI, SD, TN, TX, UT, VA, VT, WI, WV, WY. Eligibility is evaluated individually; this list does not promise representation.
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