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AI exposure Business and financial operations

Will AI replace claims adjusters?

Claims Adjusters, Examiners, and Investigators. US occupation 13-1031.

8.2%

of the time claims adjusters spend on their work goes on tasks where AI is already being used to do that work.of claims adjusters' working hours go on tasks AI has already started taking off their plate.

Ranked 202 of 756 US occupations. More exposed than 73% of them.Further along than 73% of them.

Average US job 7.7%

Well above the typical job.Ahead of most of the workforce.

What AI already does for claims adjustersWhat claims adjusters no longer do alone

O*NET lists 29 tasks for claims adjusters. AI use at work shows up in 2 of them. Each score runs from 0.5, where every observed use helps a person with the task, to 1, where every use does the task outright.

  1. Examine claims forms and other records to determine insurance coverage.Core task mostly automated 0.99
  2. Prepare reports to be submitted to company's data processing department. mostly automated 0.98

What it does not touch, yetWhat still needs a human

27 of the 29 tasks show no AI use at work in the data.

  • Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.Core task
  • Analyze information gathered by investigation and report findings and recommendations.Core task
  • Attend mediations or trials.Core task
  • Collect evidence to support contested claims in court.Core task
  • Confer with legal counsel on claims requiring litigation.Core task
  • Contact or interview claimants, doctors, medical specialists, or employers to get additional information.Core task
Show the other 21
  • Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.Core task
  • Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.Core task
  • Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.Core task
  • Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.Core task
  • Investigate and assess damage to property and create or review property damage estimates.Core task
  • 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.Core task
  • Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.Core task
  • Pay and process claims within designated authority level.Core task
  • Present cases and participate in their discussion at claim committee meetings.Core task
  • Refer questionable claims to investigator or claims adjuster for investigation or settlement.Core task
  • Report overpayments, underpayments, and other irregularities.Core task
  • Resolve complex, severe exposure claims, using high service oriented file handling.Core task
  • Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.Core task
  • Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.Core task
  • Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.
  • Communicate with reinsurance brokers to obtain information necessary for processing claims.
  • Conduct detailed bill reviews to implement sound litigation management and expense control.
  • Examine titles to property to determine validity and act as company agent in transactions with property owners.
  • Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.
  • Obtain credit information from banks and other credit services.
  • Supervise claims adjusters to ensure that adjusters have followed proper methods.

How that compares

Among the 29 business and financial operations occupations, claims adjusters rank 19. The group averages 17.7%, and its most exposed job is Market Research Analysts and Marketing Specialists at 64.8%. The average US occupation sits at 7.7%.

All 756 occupations, ranked

Just above in the ranking

  1. 199Electrical and Electronics Drafters 8.9%
  2. 200Cashiers 8.5%
  3. 201General Internal Medicine Physicians 8.4%

Just below

  1. 203Mechanical Engineers 8.1%
  2. 204Cartographers and Photogrammetrists 8.0%
  3. 204Choreographers 8.0%

What this does and does not mean

Exposure is observed use, not a forecast. Anthropic maps work conversations with Claude onto the tasks O*NET lists for each job and asks, of the tasks AI could speed up, which are actually being used for at work. A use that does the task outright counts in full and a use that assists a person counts half. The task scores are averaged into the occupation figure by the share of time spent on each task.

A high figure means AI is already part of how this work gets done. It does not mean anyone has been replaced. Anthropic's own reading of the labour market finds no systematic rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting exposed jobs.No measurable rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting these jobs. Gap years for everyone. Labor market impacts, 5 March 2026.

Task list and titles from O*NET 31.0 by the US Department of Labor, Employment and Training Administration, used under the CC BY 4.0 licence. Scores from the Anthropic Economic Index (CC BY). Checked 1 November 2026. How the ranking works.