[Core] [81% incumbents] Examine claims forms and other records to determine insurance coverage.
  DWAs: Calculate data to inform organizational operations.

[Core] [81% incumbents] Analyze information gathered by investigation and report findings and recommendations.
  DWAs: Investigate legal issues. | Prepare legal or investigatory documentation.

[Core] [81% incumbents] Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  DWAs: Estimate costs of goods or services.

[Core] [81% incumbents] Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  DWAs: Interview witnesses, suspects, or claimants.

[Supplemental] [81% incumbents] Obtain credit information from banks and other credit services.
  DWAs: Gather financial records.

[Core] [80% incumbents] Investigate and assess damage to property and create or review property damage estimates.
  DWAs: Appraise property values.

[Core] [80% incumbents] Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  DWAs: Report information to managers or other personnel.

[Core] [79% incumbents] Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
  DWAs: Interview witnesses, suspects, or claimants.

[Core] [78% incumbents] Collect evidence to support contested claims in court.
  DWAs: Collect evidence for legal proceedings.

[Supplemental] [78% incumbents] Examine titles to property to determine validity and act as company agent in transactions with property owners.
  DWAs: Verify accuracy of records.

[Core] [44% incumbents] 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.
  DWAs: Investigate legal issues. | Negotiate agreements to resolve disputes.

[Core] [44% incumbents] 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.
  DWAs: Verify accuracy of records.

[Core] [44% incumbents] Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
  DWAs: Maintain data in information systems or databases.

[Core] [44% incumbents] Resolve complex, severe exposure claims, using high service oriented file handling.
  DWAs: Apply information technology to solve business or other applied problems. | Resolve customer complaints or problems.

[Core] [44% incumbents] Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
  DWAs: Implement financial decisions. | Advise others on financial matters.

[Core] [44% incumbents] Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
  DWAs: Investigate legal issues.

[Core] [44% incumbents] Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
  DWAs: Prepare financial documents.

[Core] [44% incumbents] Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
  DWAs: Interview witnesses, suspects, or claimants.

[Core] [44% incumbents] Report overpayments, underpayments, and other irregularities.
  DWAs: Report information to managers or other personnel.

[Supplemental] [44% incumbents] Supervise claims adjusters to ensure that adjusters have followed proper methods.
  DWAs: Supervise employees.

[Supplemental] [44% incumbents] Communicate with reinsurance brokers to obtain information necessary for processing claims.
  DWAs: Confer with others about financial matters.

[Supplemental] [44% incumbents] Prepare reports to be submitted to company's data processing department.
  DWAs: Prepare operational reports.

[Core] [43% incumbents] Pay and process claims within designated authority level.
  DWAs: Pay charges, fees, or taxes.

[Core] [43% incumbents] Confer with legal counsel on claims requiring litigation.
  DWAs: Meet with individuals involved in legal processes to provide information and clarify issues.

[Core] [43% incumbents] Present cases and participate in their discussion at claim committee meetings.
  DWAs: Present business-related information to audiences.

[Core] [43% incumbents] Attend mediations or trials.
  DWAs: Investigate legal issues.

[Supplemental] [43% incumbents] Conduct detailed bill reviews to implement sound litigation management and expense control.
  DWAs: Examine financial records.

[None] Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.
  DWAs: Verify application data to determine program eligibility.

[None] Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.
  DWAs: Negotiate agreements to resolve disputes. | Advise others on legal or regulatory compliance matters.

--- SKILLS ---
  Reading Comprehension (imp:4.12 lvl:4.50) — Understanding written sentences and paragraphs in work-related documents.
  Active Listening (imp:4.00 lvl:4.25) — Giving full attention to what other people are saying, taking time to understand
  Critical Thinking (imp:4.00 lvl:4.25) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Speaking (imp:3.88 lvl:4.00) — Talking to others to convey information effectively.
  Writing (imp:3.62 lvl:3.88) — Communicating effectively in writing as appropriate for the needs of the audienc
  Monitoring (imp:3.38 lvl:3.88) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Active Learning (imp:3.25 lvl:3.50) — Understanding the implications of new information for both current and future pr
  Mathematics (imp:2.88 lvl:2.88) — Using mathematics to solve problems.
  Learning Strategies (imp:2.50 lvl:2.75) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.38 lvl:0.50) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  Customer and Personal Service (imp:4.70 lvl:6.25) — Knowledge of principles and processes for providing customer and personal servic
  English Language (imp:4.42 lvl:4.11) — Knowledge of the structure and content of the English language including the mea
  Administrative (imp:3.82 lvl:5.13) — Knowledge of administrative and office procedures and systems such as word proce
  Mathematics (imp:3.66 lvl:3.75) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  Computers and Electronics (imp:3.43 lvl:3.99) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Law and Government (imp:3.31 lvl:3.31) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Administration and Management (imp:3.08 lvl:3.35) — Knowledge of business and management principles involved in strategic planning, 
  Economics and Accounting (imp:3.04 lvl:3.31) — Knowledge of economic and accounting principles and practices, the financial mar
  Education and Training (imp:2.91 lvl:3.01) — Knowledge of principles and methods for curriculum and training design, teaching
  Psychology (imp:2.88 lvl:3.17) — Knowledge of human behavior and performance; individual differences in ability, 
  Medicine and Dentistry (imp:2.72 lvl:2.28) — Knowledge of the information and techniques needed to diagnose and treat human i
  Communications and Media (imp:2.71 lvl:2.31) — Knowledge of media production, communication, and dissemination techniques and m
  Therapy and Counseling (imp:2.58 lvl:2.43) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Personnel and Human Resources (imp:2.43 lvl:2.17) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Telecommunications (imp:2.33 lvl:1.60) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Public Safety and Security (imp:2.29 lvl:1.87) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Building and Construction (imp:2.11 lvl:1.82) — Knowledge of materials, methods, and the tools involved in the construction or r
  Sales and Marketing (imp:2.08 lvl:2.01) — Knowledge of principles and methods for showing, promoting, and selling products
  Production and Processing (imp:2.06 lvl:1.71) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Transportation (imp:2.03 lvl:1.82) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  Sociology and Anthropology (imp:1.91 lvl:1.48) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  Mechanical (imp:1.89 lvl:1.58) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Biology (imp:1.87 lvl:1.32) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd
  Geography (imp:1.85 lvl:1.44) — Knowledge of principles and methods for describing the features of land, sea, an
  Foreign Language (imp:1.83 lvl:0.89) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Engineering and Technology (imp:1.76 lvl:1.40) — Knowledge of the practical application of engineering science and technology. Th
  Physics (imp:1.56 lvl:1.17) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Chemistry (imp:1.54 lvl:0.90) — Knowledge of the chemical composition, structure, and properties of substances a
  Philosophy and Theology (imp:1.54 lvl:1.12) — Knowledge of different philosophical systems and religions. This includes their 
  Design (imp:1.40 lvl:0.64) — Knowledge of design techniques, tools, and principles involved in production of 
  History and Archeology (imp:1.30 lvl:0.44) — Knowledge of historical events and their causes, indicators, and effects on civi
  Fine Arts (imp:1.14 lvl:0.24) — Knowledge of the theory and techniques required to compose, produce, and perform
  Food Production (imp:1.03) — Knowledge of techniques and equipment for planting, growing, and harvesting food

--- ABILITIES ---
  Written Comprehension (imp:4.38 lvl:4.38) — The ability to read and understand information and ideas presented in writing.
  Oral Comprehension (imp:4.12 lvl:4.50) — The ability to listen to and understand information and ideas presented through 
  Oral Expression (imp:4.12 lvl:4.50) — The ability to communicate information and ideas in speaking so others will unde
  Deductive Reasoning (imp:4.00 lvl:4.38) — The ability to apply general rules to specific problems to produce answers that 
  Inductive Reasoning (imp:4.00 lvl:4.38) — The ability to combine pieces of information to form general rules or conclusion
  Written Expression (imp:3.88 lvl:4.12) — The ability to communicate information and ideas in writing so others will under
  Near Vision (imp:3.88 lvl:4.00) — The ability to see details at close range (within a few feet of the observer).
  Problem Sensitivity (imp:3.62 lvl:3.88) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Speech Clarity (imp:3.62 lvl:3.50) — The ability to speak clearly so others can understand you.
  Information Ordering (imp:3.50 lvl:3.50) — The ability to arrange things or actions in a certain order or pattern according
  Speech Recognition (imp:3.50 lvl:3.62) — The ability to identify and understand the speech of another person.
  Category Flexibility (imp:3.38 lvl:3.62) — The ability to generate or use different sets of rules for combining or grouping
  Flexibility of Closure (imp:3.25 lvl:3.38) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Mathematical Reasoning (imp:3.00 lvl:3.12) — The ability to choose the right mathematical methods or formulas to solve a prob
  Number Facility (imp:3.00 lvl:3.25) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Speed of Closure (imp:3.00 lvl:3.25) — The ability to quickly make sense of, combine, and organize information into mea
  Perceptual Speed (imp:3.00 lvl:2.62) — The ability to quickly and accurately compare similarities and differences among
  Selective Attention (imp:3.00 lvl:2.62) — The ability to concentrate on a task over a period of time without being distrac
  Far Vision (imp:2.88 lvl:3.00) — The ability to see details at a distance.
  Fluency of Ideas (imp:2.75 lvl:2.88) — The ability to come up with a number of ideas about a topic (the number of ideas
  Originality (imp:2.62 lvl:2.62) — The ability to come up with unusual or clever ideas about a given topic or situa
  Memorization (imp:2.62 lvl:2.62) — The ability to remember information such as words, numbers, pictures, and proced
  Time Sharing (imp:2.62 lvl:2.38) — The ability to shift back and forth between two or more activities or sources of
  Visualization (imp:2.50 lvl:2.38) — The ability to imagine how something will look after it is moved around or when 
  Trunk Strength (imp:2.38 lvl:1.62) — The ability to use your abdominal and lower back muscles to support part of the 
  Auditory Attention (imp:2.38 lvl:2.12) — The ability to focus on a single source of sound in the presence of other distra
  Visual Color Discrimination (imp:2.12 lvl:1.75) — The ability to match or detect differences between colors, including shades of c
  Wrist-Finger Speed (imp:2.00 lvl:1.38) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Hearing Sensitivity (imp:1.88 lvl:1.38) — The ability to detect or tell the differences between sounds that vary in pitch 
  Arm-Hand Steadiness (imp:1.75 lvl:1.00) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:1.75 lvl:0.88) — The ability to quickly move your hand, your hand together with your arm, or your
  Finger Dexterity (imp:1.75 lvl:1.00) — The ability to make precisely coordinated movements of the fingers of one or bot
  Control Precision (imp:1.50 lvl:0.62) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Dynamic Strength (imp:1.50 lvl:0.50) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Depth Perception (imp:1.50 lvl:0.88) — The ability to judge which of several objects is closer or farther away from you
  Spatial Orientation (imp:1.38 lvl:0.62) — The ability to know your location in relation to the environment or to know wher
  Speed of Limb Movement (imp:1.12 lvl:0.12) — The ability to quickly move the arms and legs.
  Multilimb Coordination (imp:1.00) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Working with Computers (imp:4.68 lvl:3.63) — Using computers and computer systems (including hardware and software) to progra
  Communicating with People Outside the Organization (imp:4.58 lvl:4.80) — Communicating with people outside the organization, representing the organizatio
  Getting Information (imp:4.56 lvl:4.58) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Identifying Objects, Actions, and Events (imp:4.48 lvl:4.45) — Identifying information by categorizing, estimating, recognizing differences or 
  Making Decisions and Solving Problems (imp:4.48 lvl:4.72) — Analyzing information and evaluating results to choose the best solution and sol
  Communicating with Supervisors, Peers, or Subordinates (imp:4.38 lvl:4.26) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Documenting/Recording Information (imp:4.34 lvl:4.33) — Entering, transcribing, recording, storing, or maintaining information in writte
  Resolving Conflicts and Negotiating with Others (imp:4.29 lvl:5.16) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Organizing, Planning, and Prioritizing Work (imp:4.23 lvl:5.09) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Analyzing Data or Information (imp:4.06 lvl:4.51) — Identifying the underlying principles, reasons, or facts of information by break
  Processing Information (imp:4.04 lvl:4.55) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Establishing and Maintaining Interpersonal Relationships (imp:4.01 lvl:5.16) — Developing constructive and cooperative working relationships with others, and m
  Updating and Using Relevant Knowledge (imp:3.98 lvl:4.67) — Keeping up-to-date technically and applying new knowledge to your job.
  Evaluating Information to Determine Compliance with Standards (imp:3.85 lvl:4.34) — Using relevant information and individual judgment to determine whether events o
  Interpreting the Meaning of Information for Others (imp:3.74 lvl:3.09) — Translating or explaining what information means and how it can be used.
  Monitoring Processes, Materials, or Surroundings (imp:3.56 lvl:3.91) — Monitoring and reviewing information from materials, events, or the environment,
  Judging the Qualities of Objects, Services, or People (imp:3.55 lvl:4.38) — Assessing the value, importance, or quality of things or people.
  Performing for or Working Directly with the Public (imp:3.55 lvl:3.82) — Performing for people or dealing directly with the public. This includes serving
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:3.33 lvl:3.26) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Performing Administrative Activities (imp:3.18 lvl:3.47) — Performing day-to-day administrative tasks such as maintaining information files
  Scheduling Work and Activities (imp:3.02 lvl:3.18) — Scheduling events, programs, and activities, as well as the work of others.
  Developing and Building Teams (imp:3.02 lvl:2.52) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Assisting and Caring for Others (imp:2.92 lvl:2.71) — Providing personal assistance, medical attention, emotional support, or other pe
  Thinking Creatively (imp:2.90 lvl:3.13) — Developing, designing, or creating new applications, ideas, relationships, syste
  Developing Objectives and Strategies (imp:2.89 lvl:2.88) — Establishing long-range objectives and specifying the strategies and actions to 
  Training and Teaching Others (imp:2.75 lvl:3.03) — Identifying the educational needs of others, developing formal educational or tr
  Monitoring and Controlling Resources (imp:2.74 lvl:3.05) — Monitoring and controlling resources and overseeing the spending of money.
  Inspecting Equipment, Structures, or Materials (imp:2.70 lvl:2.30) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Coordinating the Work and Activities of Others (imp:2.51 lvl:2.73) — Getting members of a group to work together to accomplish tasks.
  Providing Consultation and Advice to Others (imp:2.46 lvl:2.75) — Providing guidance and expert advice to management or other groups on technical,
  Selling or Influencing Others (imp:2.40 lvl:2.42) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Coaching and Developing Others (imp:2.33 lvl:2.58) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Guiding, Directing, and Motivating Subordinates (imp:2.14 lvl:2.04) — Providing guidance and direction to subordinates, including setting performance 
  Staffing Organizational Units (imp:2.02 lvl:1.77) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Operating Vehicles, Mechanized Devices, or Equipment (imp:2.01 lvl:1.13) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Performing General Physical Activities (imp:1.72 lvl:1.26) — Performing general physical activities includes doing activities that require co
  Handling and Moving Objects (imp:1.55 lvl:1.26) — Using hands and arms in handling, installing, positioning, and moving materials,
  Controlling Machines and Processes (imp:1.52 lvl:0.83) — Using either control mechanisms or direct physical activity to operate machines 
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.35 lvl:0.65) — Providing documentation, detailed instructions, drawings, or specifications to t
  Repairing and Maintaining Mechanical Equipment (imp:1.14 lvl:0.19) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an
  Repairing and Maintaining Electronic Equipment (imp:1.14) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,

--- WORK STYLES ---
  Dependability (imp:4.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:3.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Attention to Detail (imp:2.67) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Dependability (imp:2.53) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Integrity (imp:2.51) — A tendency to be honest and ethical at work.
  Cautiousness (imp:2.35) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Integrity (imp:2.00) — A tendency to be honest and ethical at work.
  Perseverance (imp:1.80) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Stress Tolerance (imp:1.80) — A tendency to cope and function effectively in stressful situations at work.
  Self-Control (imp:1.80) — A tendency to remain calm and composed and to manage emotions effectively in res
  Achievement Orientation (imp:1.71) — A tendency to establish and maintain personally challenging work-related goals, 
  Self-Confidence (imp:1.66) — A tendency to believe in one's work-related capabilities and ability to control 
  Initiative (imp:1.38) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Cooperation (imp:1.38) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Intellectual Curiosity (imp:1.35) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Social Orientation (imp:1.33) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Tolerance for Ambiguity (imp:1.31) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Adaptability (imp:1.26) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Empathy (imp:1.17) — A tendency to show concern for others and be sensitive to others' needs and feel
  Cautiousness (imp:1.00) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Sincerity (imp:0.96) — A tendency to be genuine and sincere in interactions with others at work, withou
  Leadership Orientation (imp:0.66) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility (imp:0.53) — A tendency to be modest and humble when interacting with others at work.
  Optimism (imp:0.38) — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Innovation (imp:0.02) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Achievement Orientation () — A tendency to establish and maintain personally challenging work-related goals, 
  Intellectual Curiosity () — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Initiative () — A tendency to be proactive and take on extra responsibilities and tasks that may
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Self-Confidence () — A tendency to believe in one's work-related capabilities and ability to control 
  Perseverance () — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Social Orientation () — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res

--- TRANSFERABLE SKILLS ---
  Judgment and Decision Making (imp:3.75 lvl:3.75) — Considering the relative costs and benefits of potential actions to choose the m
  Complex Problem Solving (imp:3.50 lvl:3.38) — Identifying complex problems and reviewing related information to develop and ev
  Social Perceptiveness (imp:3.38 lvl:3.38) — Being aware of others' reactions and understanding why they react as they do.
  Coordination (imp:3.25 lvl:3.12) — Adjusting actions in relation to others' actions.
  Negotiation (imp:3.12 lvl:3.25) — Bringing others together and trying to reconcile differences.
  Service Orientation (imp:3.12 lvl:3.00) — Actively looking for ways to help people.
  Systems Analysis (imp:3.00 lvl:2.62) — Determining how a system should work and how changes in conditions, operations, 
  Time Management (imp:3.00 lvl:3.00) — Managing one's own time and the time of others.
  Persuasion (imp:2.88 lvl:3.00) — Persuading others to change their minds or behavior.
  Systems Evaluation (imp:2.88 lvl:3.12) — Identifying measures or indicators of system performance and the actions needed 
  Management of Personnel Resources (imp:2.75 lvl:2.75) — Motivating, developing, and directing people as they work, identifying the best 
  Quality Control Analysis (imp:2.62 lvl:2.50) — Conducting tests and inspections of products, services, or processes to evaluate
  Instructing (imp:2.50 lvl:2.88) — Teaching others how to do something.
  Programming (imp:2.12 lvl:1.50) — Writing computer programs for various purposes.
  Management of Financial Resources (imp:2.12 lvl:1.88) — Determining how money will be spent to get the work done, and accounting for the
  Operations Monitoring (imp:1.88 lvl:1.25) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Technology Design (imp:1.75 lvl:0.75) — Generating or adapting equipment and technology to serve user needs.
  Management of Material Resources (imp:1.75 lvl:1.38) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Troubleshooting (imp:1.62 lvl:0.88) — Determining causes of operating errors and deciding what to do about it.
  Operations Analysis (imp:1.50 lvl:0.88) — Analyzing needs and product requirements to create a design.
  Equipment Selection (imp:1.12 lvl:0.38) — Determining the kind of tools and equipment needed to do a job.
  Operation and Control (imp:1.12 lvl:0.25) — Controlling operations of equipment or systems.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 324,230
  annual_median    : $78,000
  annual_pct10     : $48,850
  annual_pct25     : $61,160
  annual_pct75     : $98,030
  annual_pct90     : $117,040
  annual_mean      : $80,470
  hourly_median    : $37.50

--- GEOGRAPHIC DISPERSION ---
  highest_state    : District of Columbia ($101,150)
  lowest_state     : Puerto Rico ($45,970)
  dispersion_ratio : 2.200x

--- TOP STATES BY WAGE (54 total) ---
  Finance and Insurance                    emp:  244,760  median: $  76,940
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:   59,520  median: $  90,920
  Management of Companies and Enterprises  emp:    6,530  median: $  65,260
  Professional, Scientific, and Technical Services emp:    4,320  median: $  55,500
  Administrative and Support and Waste Management and Remediation Services emp:    3,450  median: $  60,550
  Health Care and Social Assistance        emp:    2,450  median: $  57,000
  Transportation and Warehousing           emp:      730  median: $  62,720
  Other Services (except Public Administration) emp:      660  median: $  75,380
  Information                              emp:      400  median: $  65,620
  Real Estate and Rental and Leasing       emp:      230  median: $  58,270

--- TOP INDUSTRIES BY EMPLOYMENT (14 total) ---
  Finance and Insurance                    emp:  244,760  median: $  76,940
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:   59,520  median: $  90,920
  Management of Companies and Enterprises  emp:    6,530  median: $  65,260
  Professional, Scientific, and Technical Services emp:    4,320  median: $  55,500
  Administrative and Support and Waste Management and Remediation Services emp:    3,450  median: $  60,550
  Health Care and Social Assistance        emp:    2,450  median: $  57,000
  Transportation and Warehousing           emp:      730  median: $  62,720
  Other Services (except Public Administration) emp:      660  median: $  75,380
  Information                              emp:      400  median: $  65,620
  Real Estate and Rental and Leasing       emp:      230  median: $  58,270

exact_match_status : no_exact_match
matched_title      : N/A
match_score        : 0.0000
wikidata_qid       : N/A
word_count         : 0
wikipedia_url      : N/A
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T20:09:16.462621Z

--- SEMANTIC NEIGHBORS (5) ---

  Title: Insurance (similarity: 0.2182)
  URL: https://en.wikipedia.org/wiki/Insurance
  QID: Q43183
  Extract: Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss.

  Title: Structural adjustment (similarity: 0.3582)
  URL: https://en.wikipedia.org/wiki/Structural_adjustment
  QID: Q2141807
  Extract: 
Structural adjustment programs (SAPs) consist of loans provided by the International Monetary Fund (IMF) and the World Bank (WB) to countries that experience economic crises. Their stated purpose is to adjust the country's economic structure, improve international competitiveness, and restore its b

  Title: Detective (similarity: 0.2182)
  URL: https://en.wikipedia.org/wiki/Detective
  QID: Q842782
  Extract: A detective is an investigator, usually a member of a law enforcement agency. They often collect information to solve crimes by talking to witnesses and informants, collecting physical evidence, or searching records in databases. This leads them to arrest criminals and enable them to be convicted in

  Title: Israel Keyes (similarity: 0.1724)
  URL: https://en.wikipedia.org/wiki/Israel_Keyes
  QID: Q6087028
  Extract: Israel Keyes was an American serial killer, rapist, bank robber, burglar, arsonist, and kidnapper.

  Title: List of Mayday episodes (similarity: 0.3188)
  URL: https://en.wikipedia.org/wiki/List_of_Mayday_episodes
  QID: Q1087066
  Extract: 




Mayday, known as Air Crash Investigation(s) outside of the United States and Canada and also known as Mayday: Air Disaster or Air Disasters  in the United States, is a Canadian documentary television series produced by Cineflix that recounts air crashes, near-crashes, fires, hijackings, bombing

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : Strong occupational data with detailed task descriptions, comprehensive skill profiles, and robust wage data. The profession has clear boundaries and established career pathways supported by extensive O*NET information.
inferred_at          : 2026-06-03T13:03:41.950799+00:00
tokens_input         : 4,565
tokens_output        : 4,213
cost_usd             : $0.045201
wikipedia_used       : False
wikipedia_title      : None
wikipedia_note       : No exact Wikipedia match found for claims adjusters, though related insurance and detective articles provide relevant context for the investigative and financial protection aspects of this profession.

--- PROSE FIELDS ---

ROLE SUMMARY:
Claims Adjusters, Examiners, and Investigators evaluate insurance claims to determine coverage validity and settlement amounts, serving as the critical gatekeepers between insurance companies and claimants. They investigate incidents, review documentation, interview stakeholders, and negotiate settlements while ensuring compliance with company policies and legal requirements. These professionals combine analytical skills with communication expertise to resolve claims fairly and efficiently.

DAY IN THE LIFE:
Claims professionals begin by examining claims forms and supporting documentation to verify insurance coverage and assess the validity of reported incidents. They spend significant time working with computers to review police reports, medical records, and property damage assessments while calculating settlement amounts. Much of their day involves communicating with external parties including claimants, witnesses, medical professionals, and legal counsel to gather information and clarify details. They conduct interviews to investigate questionable claims, obtain credit information from financial institutions, and document their findings in detailed reports. When complex cases arise, they collaborate with investigators, attorneys, and specialized adjusters to ensure proper resolution and may collect evidence for potential court proceedings.

WHO THRIVES:
Successful claims professionals possess strong analytical minds with exceptional attention to detail, as evidenced by the high importance of deductive and inductive reasoning abilities combined with problem sensitivity skills. They excel at written and oral communication, managing complex stakeholder relationships while maintaining integrity and dependability under pressure. Individuals who thrive are naturally inquisitive investigators who enjoy gathering information, solving puzzles, and making fair determinations based on evidence. The conventional and enterprising personality types dominate this field, reflecting the need for systematic documentation and confident decision-making when negotiating settlements and resolving conflicts.

CAREER ENTRY:
Most claims adjusters enter the field with a bachelor's degree (55.8% of professionals), though some begin with associate degrees (12.0%) or high school diplomas (13.1%) and advance through on-the-job training. Entry-level positions typically require strong communication skills and basic knowledge of customer service, mathematics, and computer systems. Many employers provide extensive training programs covering insurance law, investigation techniques, and company-specific procedures, as this Job Zone 4 occupation requires considerable preparation.

CAREER TRAJECTORY:
Claims professionals can advance to senior adjuster roles handling complex commercial claims, become claims supervisors or managers overseeing teams and territories, or specialize in areas like fraud investigation or legal liaison work. The transferable skills in judgment, negotiation, and complex problem-solving create pathways into compliance officer roles, insurance underwriting, or independent consulting. Experienced adjusters may transition to related fields such as risk management, corporate investigations, or property appraisal services.

MARKET INTELLIGENCE:
The profession employs 324,230 workers nationwide with a median annual salary of $78,000 according to BLS OEWS May 2025 data, ranging from $48,850 to $117,040 across the 10th to 90th percentiles. Geographic variation is moderate with highest wages in Washington DC ($101,150) and lowest in Puerto Rico ($45,970), representing a 2.20x ratio. The Finance and Insurance sector dominates employment with 244,760 positions, followed by government agencies with 59,520 roles. Demand remains steady as insurance claims processing represents an essential business function, though technology adoption may reshape some routine tasks while creating opportunities for specialized investigation and complex case management.

AUTOMATION OUTLOOK:
Core investigative and negotiation activities show moderate automation resistance given the complex human judgment required for evaluating unique claim circumstances and managing stakeholder relationships. While routine data entry and basic coverage verification may become increasingly automated, the high-level reasoning, communication, and conflict resolution skills remain fundamentally human-centered, particularly for complex or disputed claims requiring nuanced decision-making.

--- REASONED EDGES ---
  [knowledge_overlap] Insurance Underwriters (13-2053.00) — confidence:high
    reasoning: Both roles require deep knowledge of insurance principles, risk assessment, and policy analysis with similar mathematical and analytical requirements.
    data: Insurance knowledge
    data: Risk evaluation
    data: Mathematical analysis
  [skill_overlap] Compliance Officers (13-1041.00) — confidence:high
    reasoning: Transferable skills in judgment, critical thinking, and regulatory knowledge align with compliance work requiring similar attention to detail and policy interpretation.
    data: Judgment and Decision Making (3.8)
    data: Critical Thinking (4.0)
    data: Law and Government knowledge
  [task_similarity] Fraud Examiners, Investigators and Analysts (13-2099.04) — confidence:high
    reasoning: Investigation activities, evidence collection, and analytical review of questionable cases create direct task overlap with fraud examination work.
    data: Interview witnesses and claimants
    data: Collect evidence
    data: Investigate questionable claims
  [task_similarity] Appraisers and Assessors of Real Estate (13-2023.00) — confidence:medium
    reasoning: Property damage assessment and valuation activities directly overlap with real estate appraisal work requiring similar analytical and estimation skills.
    data: Investigate and assess damage to property
    data: Create property damage estimates
    data: Examine titles to property
  [riasec_cluster] Customer Service Representatives (43-4051.00) — confidence:medium
    reasoning: Both roles share conventional personality types and require strong customer service skills, though claims work involves more complex analytical components.
    data: Conventional RIASEC type (6.23)
    data: Customer service knowledge (4.7)
    data: Communicating with external parties

--- NORMALIZER SIGNALS ---
  match_keywords   : ['claims adjuster', 'insurance claims', 'claims examiner', 'claims investigator', 'auto claims', 'property claims', 'bodily injury claims', 'insurance adjuster']
  exclude_keywords : ['underwriter', 'sales agent', 'broker', 'actuary', 'policy processing']
  title_patterns   : ['Claims Adjuster', 'Claims Examiner', 'Claims Investigator', 'Auto Claims Adjuster', 'Property Claims Adjuster']
  common_variations: ['adjuster', 'adjustor', 'claims specialist', 'claims analyst', 'damage adjuster', 'field adjuster', 'desk adjuster', 'senior claims adjuster']

total_terms    : 40
top_words      : ['tendency', 'others', 'claims', 'equipment', 'principles', 'legal', 'control', 'includes', 'financial', 'objects', 'insurance', 'activities', 'management', 'problems', 'techniques', 'ideas', 'body', 'records', 'human', 'procedures']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

TERM                    COUNT     FREQ  DOMINANT SOURCE      SOURCE BREAKDOWN
──────────────────────────────────────────────────────────────────────────────────────────
tendency                   42  0.01457  onet_dimensions      onet_dimensions:100%
others                     41  0.01422  onet_dimensions      onet_dimensions:93%  dwas:7%
claims                     32  0.01110  onet_tasks           onet_tasks:56%  inference:44%
equipment                  23  0.00798  onet_dimensions      onet_dimensions:100%
principles                 16  0.00555  onet_dimensions      onet_dimensions:100%
legal                      13  0.00451  dwas                 dwas:62%  inference:23%  onet_tasks:8%
control                    13  0.00451  onet_dimensions      onet_dimensions:92%  onet_tasks:8%
includes                   12  0.00416  onet_dimensions      onet_dimensions:100%
financial                  12  0.00416  dwas                 dwas:50%  onet_dimensions:25%  inference:17%
objects                    12  0.00416  onet_dimensions      onet_dimensions:100%
insurance                  11  0.00381  inference            inference:73%  onet_tasks:18%  wikipedia:9%
activities                 11  0.00381  onet_dimensions      onet_dimensions:82%  onet_tasks:9%  inference:9%
management                 11  0.00381  onet_dimensions      onet_dimensions:64%  inference:18%  onet_tasks:9%
problems                   11  0.00381  onet_dimensions      onet_dimensions:82%  dwas:18%
techniques                 11  0.00381  onet_dimensions      onet_dimensions:91%  inference:9%
ideas                      11  0.00381  onet_dimensions      onet_dimensions:100%
body                       11  0.00381  onet_dimensions      onet_dimensions:91%  wikipedia:9%
records                    10  0.00347  dwas                 dwas:40%  onet_tasks:30%  onet_dimensions:10%
human                      10  0.00347  onet_dimensions      onet_dimensions:70%  inference:20%  onet_tasks:10%
procedures                 10  0.00347  onet_dimensions      onet_dimensions:80%  onet_tasks:10%  inference:10%
complex                    10  0.00347  inference            inference:70%  onet_dimensions:20%  onet_tasks:10%
materials                  10  0.00347  onet_dimensions      onet_dimensions:100%
events                     10  0.00347  onet_dimensions      onet_dimensions:80%  wikipedia:20%
property                    9  0.00312  onet_tasks           onet_tasks:56%  inference:22%  onet_dimensions:11%
investigate                 9  0.00312  dwas                 dwas:44%  onet_tasks:33%  inference:22%
services                    9  0.00312  onet_dimensions      onet_dimensions:67%  onet_tasks:11%  dwas:11%
problem                     9  0.00312  onet_dimensions      onet_dimensions:78%  inference:22%
resources                   9  0.00312  onet_dimensions      onet_dimensions:100%
quickly                     9  0.00312  onet_dimensions      onet_dimensions:100%
orientation                 9  0.00312  onet_dimensions      onet_dimensions:100%
physical                    8  0.00278  onet_dimensions      onet_dimensions:75%  onet_tasks:12%  wikipedia:12%
claimants                   8  0.00278  onet_tasks           onet_tasks:38%  dwas:38%  inference:25%
adjusters                   8  0.00278  inference            inference:62%  onet_tasks:38%
needs                       8  0.00278  onet_dimensions      onet_dimensions:100%
monitoring                  8  0.00278  onet_dimensions      onet_dimensions:100%
rules                       8  0.00278  onet_dimensions      onet_dimensions:100%
standards                   8  0.00278  onet_dimensions      onet_dimensions:100%
production                  8  0.00278  onet_dimensions      onet_dimensions:100%
actions                     8  0.00278  onet_dimensions      onet_dimensions:100%
performing                  8  0.00278  onet_dimensions      onet_dimensions:100%