insurance-clerk/references/tasks.md

Tasks & work activities — insurance clerk

Source: O*NET 30.3, occupation 43-9041.00 (Insurance Claims and Policy Processing Clerks).

Task statements

• [Core] Prepare insurance claim forms or related documents, and review them for completeness.
• [Core] Calculate amount of claim.
• [Core] Post or attach information to claim file.
• [Core] Transmit claims for payment or further investigation.
• [Core] Contact insured or other involved persons to obtain missing information.
• [Core] Review insurance policy to determine coverage.
• [Core] Process and record new insurance policies and claims.
• [Core] Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.
• [Core] Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.
• [Core] Correspond with insured or agent to obtain information or to inform them of account status or changes.
• [Core] Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.
• [Core] Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.
• [Core] Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.
• [Core] Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.
• [Core] Notify insurance agent and accounting department of policy cancellation.
• [Supplemental] Pay small claims.
• [Supplemental] Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.
• [Supplemental] Collect initial premiums and issue receipts.
• [Supplemental] Interview clients and take their calls to provide customer service and obtain information on claims.
• [Supplemental] Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.
• [Supplemental] Compose business correspondence for supervisors, managers, and professionals.
• [nan] Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.
• [nan] Enter insurance- and claims-related information into database systems.
• [nan] Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.
• [nan] Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.

Detailed work activities

• Answer telephones to direct calls or provide information.
• Calculate costs of goods or services.
• Calculate financial data.
• Check data for recording errors.
• Collect deposits, payments or fees.
• Compile data or documentation.
• Discuss account status or activity with customers or patrons.
• Enter information into databases or software programs.
• Execute sales or other financial transactions.
• Explain regulations, policies, or procedures.
• Interview employees, customers, or others to collect information.
• Maintain financial or account records.
• Maintain operational records.
• Obtain personal or financial information about customers or applicants.
• Prepare business correspondence.
• Prepare documentation for contracts, transactions, or regulatory compliance.
• Provide information to coworkers.
• Provide notifications to customers or patrons.
• Review customer insurance information.
• Send information, materials or documentation.
• Verify accuracy of financial or transactional data.