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Claim Handler Jobs (NOW HIRING)

Emergent Holdings

Claim Representative II

Job Title Intermediate Claim Handler This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the ...

AF Group

Claim Representative II

Job Title Intermediate Claim Handler This is the intermediate level of the claim handler career path. Handles moderate to difficult claims. Exercises progressively more discretion in the ...

State Farm

Claim Specialist-Injury

Las Vegas, NV · On-site

We empower our claim handlers to take ownership of the customer experience, demonstrate learning agility, apply their knowledge, and lead through the eyes of our customers. Responsibilities for this ...

State Farm

Claim Specialist-Injury

Cleveland, OH · On-site

We empower our claim handlers to take ownership of the customer experience, demonstrate learning agility, apply their knowledge, and lead through the eyes of our customers. Responsibilities for this ...

RENFROE (Roster)

Commercial Claims Examiner

Commercial Claims Examiners should not: • Communicate training requirements to client staff adjusters and non-affiliated firms • Communicate training requirements to any claim handler who is not ...

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Claim Handler information

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How much do claim handler jobs pay per hour?

As of Aug 9, 2026, the average hourly pay for claim handler in the United States is $17.97, according to ZipRecruiter salary data. Most workers in this role earn between $15.87 and $18.75 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a claim handler, and why are they important?

To thrive as a Claim Handler, you need strong analytical skills, attention to detail, and a foundational understanding of insurance policies, typically supported by a relevant degree or experience in insurance or finance. Familiarity with claims management software and knowledge of regulatory compliance systems are commonly required. Excellent communication, negotiation abilities, and empathy help build trust with clients and efficiently resolve claims. These skills ensure accurate claim assessments, customer satisfaction, and compliance with industry standards.

What is a claim handler?

Claim handlers, also known as claims adjusters or claims processors, are professionals who manage and assess insurance claims submitted by policyholders. Their main responsibilities include investigating the validity of claims, determining coverage, negotiating settlements, and ensuring claims are processed efficiently and fairly. They may work for insurance companies, third-party administrators, or as independent adjusters, and often communicate with clients, witnesses, and medical or repair professionals to gather the necessary information. Claim handlers play a crucial role in helping customers receive appropriate compensation while preventing fraudulent or ineligible claims.

What is the difference between Claim Handler vs Claims Adjuster?

AspectClaim HandlerClaims Adjuster
CredentialsTypically requires insurance or claims processing certificationsOften requires similar certifications, plus licensing depending on region
Work EnvironmentOffice-based, handling claims via phone or onlineField or office-based, inspecting damages and assessing claims
Employer & Industry UsageInsurance companies, third-party administratorsInsurance companies, independent adjusting firms
Search & Comparison IntentPeople comparing roles in claims processingIndividuals interested in claims assessment and damage evaluation

While both Claim Handlers and Claims Adjusters work within the insurance industry and handle claims, Claim Handlers primarily process claims through administrative tasks, often remotely. Claims Adjusters typically inspect damages and assess claims in the field. The roles overlap in certifications and industry usage, but their daily responsibilities and work environments differ.

How does a claim handler typically collaborate with other departments during the claims process?

As a Claim Handler, you will frequently interact with various internal teams such as underwriting, legal, and customer service. Collaboration is key to ensuring claims are processed accurately and efficiently. You’ll often consult with underwriters to clarify policy coverage, coordinate with legal teams on complex or disputed claims, and communicate with customer service representatives to keep claimants informed. This cross-functional teamwork helps provide a seamless experience for customers and supports accurate, timely claim resolutions.

How much do claim handlers make?

Claim handlers typically earn a median annual salary of around $50,000 to $70,000, depending on experience, location, and the industry. Entry-level claim handlers may start at lower salaries, while experienced professionals or those with specialized skills can earn higher wages. Compensation often includes benefits such as health insurance and paid time off.

Is claims processing a stressful job?

Claims processing is a core responsibility of claim handlers, who review and evaluate insurance claims. The job can be stressful due to tight deadlines, high workload, and the need for accuracy, but it also involves problem-solving and communication skills to manage complex cases effectively.
More about Claim Handler jobs
What cities are hiring for Claim Handler jobs? Cities with the most Claim Handler job openings:
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Claim Handler jobs near you
Infographic showing various Claim Handler job openings in the United States as of August 2026, with employment types broken down into 72% Full Time, 25% Part Time, 1% Temporary, 1% Contract, and 1% Nights. Highlights an 100% Physical job distribution, with an average salary of $37,374 per year, or $18 per hour.

Workers' Comp Claim Representative II - CA

The AF Group

Lansing, MI

Full-time

Re-posted 20 days ago

Job description

SUMMARY:   

Claim Representative I: 

This is the entry level professional claim handler.  Handles medical only and indemnity benefits.  Exercises some discretion in the determination of compensability of claims.  Considers many factors in the determination claim reserves.  Negotiates and settles claims within given authority. 

Claim Representative II: 

This is the intermediate level of the claim handler career path.  Handles moderate to difficult claims.  Exercises progressively more discretion in the determination of compensability of claims. Considers many factors in the determination claim reserves.  Negotiates and settles claims within given authority. 

Claim Representative III: 

This is the advanced level of the claim handler career path.  Investigates claims and exercises significant discretion in the determination of compensability of claims.  May handle large, more complex customers requiring high touch, labor intensive claim service.  Considers many factors in the determination claim reserves.  Negotiates and settles claims within given authority.  Mentors lower level claim handlers.  Coordinates special projects and provides guidance to others.

RESPONSIBILITIES/TASKS:

Claim Representative I, II, III:

  • Verifies workers' compensation coverage of employers and injured employees. 
  • Determines compensability under workers' compensation by thorough investigation of the claim. 
  • Determines causal relationship between the reported injury and the incident to ensure appropriate payment of benefits.
  • Facilitates return to work for the injured employee.
  • Establishes timely and appropriate reserves based on the profile of the claim within given authority based on anticipated financial exposure.
  • Documents specifics of claims with potential for subrogation recovery, including amount of potential recovery monies.
  • Manages medical bills for non-indemnity and indemnity claims directly associated with the claimed injury.  Approves payment based on knowledge of the treatment plan and medical support showing relationship of treatment to the injury.   
  • Concludes and closes files following resolution of claims to meet internal performance standards while complying with state legislation to avoid penalties and manage expenses.
  • Negotiates settlements with attorneys or injured parties within given authority at the earliest possible point to bring cases to final disposition.
  • Works closely with manager on complex files or files above settlement/reserve authority. 
  • Manages outside vendors to ensure cost containment efforts. 
  • Establishes and maintains effective working relationships with all internal and external customers. 
  • Stays abreast of changes in workers' compensation statutes, case law and rehabilitation efforts/advancements in order to accurately interpret and apply relevant laws.

ADDITIONAL RESPONSIBILITIES/TASKS:

Claim Representative II, III:

  • Administers complex claims and catastrophic exposures within authority, including claims from dedicated large accounts.
  • Exercises independent judgment to settle cases prior to mediation or litigation.
  • Actively participates in agent/client relationship management. 
  • Assists in mentoring team members.

Claim Representative III:

  • Mentors team members.
  • Conducts audits of claim files.
  • Acts as a back up for team leader.
  • Coordinates special projects.

This position description identifies the responsibilities and tasks typically associated with the performance of the position.  Other relevant essential functions may be required.

EMPLOYMENT QUALIFICATIONS

EDUCATION OR EQUIVALENT EXPERIENCE:

Claim Representative I, II, III: 

Bachelor's degree in a related field.  Relevant combination of education and experience may be considered in lieu of degree.  Continuous learning, as defined by the Company's learning philosophy, is required. Certification or progress toward certification is highly preferred and encouraged.

EXPERIENCE:

Claim Representative I: 

Minimum one year relevant experience that provides the necessary skills, knowledge and abilities or completion of claims trainee program. Bilingual skills preferred.

Claim Representative II:  

Three years experience in a workers' compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing, investigating and closing workers' compensation claims.  Experience handling claims in multiple jurisdictions preferred.  Bilingual skills preferred.

OR

One year of AF Group Claims Representative I experience that includes handling of difficult or complex claims.


Claim Representative III: 

Five years experience in a workers' compensation claims environment which provides the necessary skills, knowledge and abilities, such as experience in reviewing, investigating and closing complex workers' compensation claims.  Experience handling claims in multiple jurisdictions preferred.  Bilingual skills preferred.

OR

Two years of AF Group Claims Representative II experience that includes discretion in determining compensability of complex claims and/or handling complex, high touch or labor intensive customers.

SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:

Claim Representative I, II, III:

  • Ability and proficiency in the use of computers and company standard software specific to position.
  • Knowledge of medical and legal terminology related to the work.
  • Knowledge of workers' compensation laws and regulations, including jurisdictional laws.
  • Effective oral and written communication skills.
  • Effective customer service skills.
  • Ability to negotiate, build consensus and resolve conflict.
  • Ability to manage multiple priorities and meet established deadlines.
  • Attention to detail and analytical skills.
  • Ability to work independently as well as within a team.

ADDITIONAL SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:

Claim Representative II, III:

  • Ability to make independent decisions.
  • Ability to solve complex problems. 


Claim Representative III:

  • Ability to train and mentor others.

WORKING CONDITIONS:

Work is performed in an office setting with no unusual hazards. Minimal travel required.

PAY RANGE:
Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $56,700 and $94,900.

The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. 

We are an Equal Opportunity Employer.  Diversity is valued and we will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis.  Nothing herein is intended to create a contract.

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