Will AI replace insurance claims clerks?

Much of the work, but not all of it. AI could take on about 75% of the working time in a typical insurance claims clerk job today. The other 25% still needs a person.

Insurance claims clerk at work

25% of the work still needs a person.

Needs a person: 25%A person checking AI: 21%AI alone: 54%

The bracket under the bar is the evidence range for the share AI could take on: 61 to 75%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry.

24 responsibilities in a typical insurance claims clerk job. Median pay $49,230 a year in the U.S. (BLS, May 2025).

Still needs a person

  • Pay small claims AI helps
  • Collect first payments and give receipts AI helps
  • Guide customers on next steps AI helps
  • Approve policy reinstatements that qualify AI helps
  • Check if a policy covers a claim AI helps
  • Talk with clients about their claims AI helps

AI can do or help with

  • Prepare and check claim forms AI can do it
  • Pay small claims AI helps
  • Add information to claim files AI can do it
  • Calculate how much a claim is worth AI helps
  • Send claims for payment or review AI can do it
  • Organize and search office records AI can do it

The biggest responsibilities on each side, ranked by a person's time on the left. "AI helps" means AI takes on part of the work, or most of it with a person checking what it produces, so one can show on both sides. See all 24, with the reason for each and the cost of handing them to AI.

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Questions people ask

Will AI replace insurance claims clerks?

Much of the work, but not all of it. AI could take on about 75% of the working time in a typical insurance claims clerk job today. The other 25% still needs a person. That is a split of the work, not a forecast of jobs lost.

Which parts of the job can AI do?

The biggest ones AI can do or help with: prepare and check claim forms, pay small claims, add information to claim files, calculate how much a claim is worth, send claims for payment or review, organize and search office records.

Which parts still need a person?

The biggest ones: pay small claims, collect first payments and give receipts, guide customers on next steps, approve policy reinstatements that qualify, check if a policy covers a claim, talk with clients about their claims.

How is this measured?

The U.S. Department of Labor lists 25 responsibilities for this job (O*NET 31.0), and the split covers the 24 people in it do today. Each is scored on 4 questions: can AI do it, does it get it right, must a person sign for it, and do people need to deal with a real person. The split is weighted by how much of the job each responsibility takes up. The evidence range for the share AI could take on is 61 to 75%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry. Scores version 0.8.8, updated November 13, 2026.

Responsibilities from O*NET 31.0 (U.S. Department of Labor). Pay from the Bureau of Labor Statistics, May 2025. Scores are calibrated to published research and updated every month. How it works.

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