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Insurance Claims Representative Jobs in Minnesota

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Critical Illness Claims Representative

Minneapolis, MN · On-site

$24 - $27/hr

Title: Critical Illness Claims Rep Duration: 6 months Location: Minneapolis, MN. (2 days/week ... Experience with Voluntary Critical Illness Insurance benefits preferred with complex medical review ...

Real Soft

Critical Illness Claims Rep

Minneapolis, MN · On-site

Experience with Voluntary Critical Illness Insurance benefits preferred with complex medical review ... Advanced technical proficiency with claims processing systems and the ability to navigate multiple ...

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Insurance Claims Representative information

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How much do insurance claims representative jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for insurance claims representative in Minnesota is $24.06, according to ZipRecruiter salary data. Most workers in this role earn between $17.40 and $28.27 per hour, depending on experience, location, and employer.

Is it hard to be an insurance claims representative?

Being an insurance claims representative involves handling complex cases, requiring strong communication, attention to detail, and knowledge of insurance policies. The job can be demanding due to the need to evaluate claims accurately and manage customer interactions, but it is generally manageable with proper training and experience.

What does an insurance claims representative do?

An Insurance Claims Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of each claim, determine the extent of the insurance company's liability, and help ensure that claims are processed accurately and efficiently. They may gather information from claimants, witnesses, and other parties, review documentation, and communicate decisions to customers. Their goal is to provide fair settlements while adhering to company policies and legal guidelines.

What are the key skills and qualifications needed to thrive as an insurance claims representative, and why are they important?

To thrive as an Insurance Claims Representative, you need a solid understanding of insurance policies, claims processes, and investigative techniques, typically supported by a high school diploma or associate degree. Familiarity with claims management software, CRM systems, and occasionally industry certifications such as AIC (Associate in Claims) are commonly required. Strong customer service, analytical thinking, and effective communication skills help you manage claims efficiently and support clients during stressful situations. These abilities are vital for ensuring accurate claims resolution, maintaining customer satisfaction, and upholding the company's reputation.

Do you need a degree to be an insurance claims representative?

Typically, a high school diploma or equivalent is sufficient to become an insurance claims representative. Some employers prefer candidates with post-secondary education or relevant certifications, and strong communication and customer service skills are important for the role.

What does an insurance claims representative do?

An insurance claims representative assesses customer insurance claims. Your duties in this career include visiting accident sites and interviewing witnesses or customers to determine the scope of the claim. You also determine whether or not it is worth negotiating a settlement, and if so, you ensure all settlement claims are handled quickly. In addition to assessing accidents and claims, you update customer policies depending on their history. Qualifications for the career include experience and job skills. You should have excellent customer service, a firm knowledge of all company policies, and computer literacy.

What are some common challenges insurance claims representatives face when handling complex claims?

Insurance Claims Representatives often encounter challenges such as managing high caseloads, interpreting intricate policy details, and handling sensitive conversations with policyholders during stressful situations. They must balance empathy with adherence to company policies and regulations, all while investigating and verifying the validity of claims. Effective communication, time management, and problem-solving skills are essential to navigate these complexities and deliver fair outcomes for both the client and the insurer.

What is the difference between Insurance Claims Representative vs Insurance Adjuster?

AspectInsurance Claims RepresentativeInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may require licensingLicensing often required; certifications like AIC or CPCU beneficial
Work EnvironmentOffice settings, customer service interactions, claims processingFieldwork, site inspections, or office-based assessments
Employer & Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search & ComparisonOften compared for claims handling rolesMore focused on damage assessment and investigation

The main difference between an Insurance Claims Representative and an Insurance Adjuster lies in their roles. Claims Representatives primarily handle customer interactions and process claims within an office environment, while Adjusters often conduct field inspections and assess damages. Both roles require relevant licensing and are integral to the insurance industry, but they focus on different aspects of claims management.

More about Insurance Claims Representative jobs
What are popular job titles related to Insurance Claims Representative jobs in Minnesota? For Insurance Claims Representative jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Insurance Claims Representative jobs in Minnesota look for? The top searched job categories for Insurance Claims Representative jobs in Minnesota are:
What are popular job titles related to Insurance Claims Representative jobs in MN? For Insurance Claims Representative jobs in MN, the most frequently searched job titles are:
Insurance Claims Representative jobs near you
Infographic showing various Insurance Claims Representative job openings in Minnesota as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, and 4% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $50,039 per year, or $24.1 per hour.

Critical Illness Claims Rep

Leading Utilities Organization

Minneapolis, MN • On-site

Other

This job post has expired today. Applications are no longer accepted.

Job description

Critical Illness Claims Rep

Location: Minneapolis, MN (Hybrid, 2-3 days onsite)

Duration: 12 Month Contract + Pay Rate: 22 -25/hr.

Responsible for interpreting contract language and processing claims with high complexity. Provide a high quality of service with minimal direction, that is consistent with regulatory and compliance requirements.

Analyze and determine Critical Illness claim processing in an accurate and timely manner, to include payment, denial, and requests for additional information.

Create and maintain excellent working relationships and communication with internal and external customers.

Actively participates in root cause problem solving activities in a team environment.

Manage work queue assignments within agreed SLAs, and support others in the same.

Ability to handle complex claims including communicating with customers by phone and providing empathy and de-escalating measures for sensitive issues.

Other duties and projects as assigned.

Experience with Voluntary Critical Illness Insurance benefits preferred with complex medical review experience.

Strong ability to decipher medical terminology and documentation to connect with Policy definitions to determine if all conditions of the benefit are met.

Interpret diagnoses and clinical evidence within medical records to determine when an individual was diagnosed with their condition(s).

Reduce risk through attention to detail to maintain compliance guidelines and ensure decisions are fully supported by documentation and policy language.

Strong written and oral communication capabilities to provide clear, policy-based denial letters to our customers.

Understand Standards of Work and job aids.

Advanced technical proficiency with claims processing systems and the ability to navigate multiple systems concurrently to research, validate, and adjudicate claims efficiently.

Strong working knowledge of Microsoft Office applications (Excel, Word, Outlook).

Proven critical thinking and problem solving.

Capacity to prioritize and balance workloads in a workflow environment.

Ability to collaborate with others, to include across departments, to solution for shared customers.

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