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Free Claims Specialist Job Description Templates

Free claims specialist job description templates: standard, insurance, medical, workers' comp, examiner, entry-level. FLSA and licensing notes. DOCX.

Nick Anisimov

Nick Anisimov

FirstHR Founder

Hiring
16 min

Free Claims Specialist Job Description Templates

6 templates by type: standard, insurance, medical, workers' comp, examiner, and entry-level, with the FLSA exempt-versus-hourly split and adjuster-licensing guidance generic templates skip. Download as DOCX.

A claims specialist processes and manages claims from intake through resolution: reviewing claims, verifying coverage, gathering documentation, coordinating with claimants, and resolving within policy. Writing the job description well starts with one decision generic templates skip: which tier you are hiring. The title spans a judgment-heavy adjuster or examiner role, usually salaried and exempt, and a procedural processor role, usually hourly and non-exempt, and the classification follows from the duties.

At FirstHR, we build for small businesses, so we lead with the version that actually fits one: a medical claims specialist at a small practice, often the same person as the medical biller, reporting to an office manager or physician-owner with no HR department. One of the six templates below is written for exactly that. Each carries the FLSA and licensing guidance built in.

For the fundamentals behind any posting, the guide to writing a job description is a useful companion, and the more clerical claims processor template fits the procedural, hourly tier of the role.

TL;DR
A claims specialist processes and resolves claims. The title spans two tiers: a judgment-heavy adjuster or examiner (usually salaried-exempt, federal median $76,790) and a procedural processor (usually hourly, mid-forties thousand). Many states require an adjuster license. The best small-business fit is a medical claims specialist at a practice. Six templates by type, downloadable as DOCX.

What a Claims Specialist Does

A claims specialist reviews, processes, and resolves claims: verifying claims and documentation, evaluating coverage, coordinating with claimants and providers, and resolving them within policy and procedure. The depth of judgment depends on the tier, from a professional adjuster who determines liability and negotiates settlements to a processor who applies set procedures, to a medical claims specialist who handles billing and denials for a practice.

The professional tier maps to the federal occupation claims adjusters, examiners, and investigators (13-1031), which lists claims specialist among its alternate titles, while the clerical tier maps to insurance claims and policy processing clerks (43-9041). That two-occupation split is why pay and classification vary so much, and why the tier is the first thing to settle.

Two Tiers, Two Classifications

This is the distinction generic templates skip, and it is the one that determines pay, overtime, and licensing. A claims specialist can be a judgment-heavy professional or a procedural processor, and the two are classified differently under wage-and-hour law. Settle the tier first, then everything else follows.

Two tiers under one title, and they are classified differently
Claims specialist is a generic title that spans two very different roles. The professional tier is the adjuster, examiner, or investigator who exercises judgment: interviewing parties, inspecting damage, evaluating coverage, determining liability, and negotiating settlements. The clerical tier is the processor or policy-processing clerk who applies prescribed procedures to submit and update claims. The two map to different federal occupations and pay bands, and they are classified differently under wage-and-hour law. Decide which tier you are hiring before writing the posting, because the duties, the pay, and the overtime treatment all follow from it. This is general information, not legal advice.
The FLSA split: adjusters are often exempt, processors usually are not
This is the part generic templates skip. Federal regulations specifically address insurance claims adjusters: an adjuster whose duties include interviewing insureds and witnesses, inspecting property damage, reviewing factual information to prepare estimates, evaluating and recommending coverage, determining liability and value, and negotiating settlements generally meets the administrative exemption and is salaried-exempt. A claims processor or clerk who applies set procedures without that independent judgment is typically non-exempt, hourly, and overtime-eligible. The title never decides exemption status; the actual duties and the salary level do. Classify each role on its real duties, not its label. This is general information, not legal advice.
Adjuster licensing is a real requirement in many states
Many states require claims adjusters to hold a state adjuster license, with requirements that vary by state and by line of insurance, and some states have no licensing requirement at all. A small employer hiring an insurance or workers' comp claims specialist who will adjust claims should confirm whether a license is required in the states where claims are handled, and state that clearly in the posting. Medical claims specialists and clerical processors generally do not need an adjuster license, since they are billing or processing rather than adjusting. Check your state's department of insurance for the specific rule before posting. This is general information, not legal advice.
At a small business, the role usually means medical claims and billing
For a small business without an HR or claims department, the realistic version of this hire is a medical claims specialist at a small practice, a role that often overlaps with medical billing. This person prepares and submits claims, applies ICD-10 and CPT codes, works denials, and keeps the revenue cycle moving, typically reporting to an office manager, practice administrator, or the physician-owner. It is the one claims role that fits the small, no-HR profile, which is why the medical template here is written for it. Small independent insurance agencies rarely staff a dedicated claims person, since most claims are filed directly with the carrier. This is general information, not legal advice.

The split is not academic: it changes whether the role is salaried or hourly, whether overtime is owed, and whether a state license is needed. A posting that is clear about the tier attracts the right candidates and avoids a misclassification problem later.

Claims Specialist Duties and Responsibilities

Claims specialist duties cluster into four areas: intake and documentation, evaluation and coverage, coordination and resolution, and compliance and records. A strong job description picks the specific responsibilities from each area that match the tier and setting of the role.

Intake and documentation
Review and verify submitted claims
Gather and check documentation
Maintain accurate claim files
Evaluation and coverage
Verify coverage and eligibility
Evaluate liability and claim value
Apply policy, procedure, and regulation
Coordination and resolution
Coordinate with claimants and providers
Negotiate and resolve settlements
Follow up on denials and payments
Compliance and records
Follow regulatory requirements
Protect confidential and health data
Track status and meet deadlines

The weighting shifts by tier: a processor leans into intake and documentation, an adjuster into evaluation and resolution, a medical specialist into coding and denials. For a structured way to scope the role, the guide to defining job responsibilities walks through the process.

Which Template Should You Use?

Pick the template by setting and tier. The claim-handling core runs through all six, but the duties, licensing, and classification differ enough that the matched version reads credibly to the right candidate. Use this guide to choose.

Claims Specialist (Standard)
Any claims function
The universal base: review, verify, and process claims, evaluate coverage, coordinate with claimants, and resolve within policy.
Insurance Claims Specialist
Insurance carrier or agency
The insurance version: handle claims from intake to resolution, verify coverage, assess liability, and help negotiate settlements.
Medical Claims Specialist
Small practice, best SMB fit
For a small medical practice: prepare and submit claims, apply ICD-10 and CPT codes, work denials, and protect patient privacy. Often combined with billing.
Workers' Comp Claims Specialist
Technical, judgment-heavy
For workers' comp: investigate claims, coordinate benefits and reserves, ensure jurisdiction compliance, and manage resolution. Usually salaried-exempt.
Claims Examiner
Review and evaluation
For claim review: examine claims and adjuster decisions, verify coverage and value, and approve, deny, or refer per authority.
Entry-Level / Processor
Early-career, hourly
For a first claims job: enter and verify data, process routine claims per procedure, with a path to specialist or adjuster. No experience required.
Match the Template to the Role
A general claims role: Standard. An insurance carrier or agency: Insurance. A small medical practice: Medical (the best small-business fit). Workers' comp: Workers' Comp. Claim review: Examiner. A first claims job: Entry-Level / Processor.

6 Claims Specialist Job Description Templates

Download all six as a single Word document or copy individual templates. Each follows the same structure: company and job summary, key responsibilities, required and preferred qualifications, an FLSA note, compensation, and how to apply, with an EEO statement, and the tier and pay carried as fill-in fields. Fill in the brackets and post.

Download All 6 Job Description Templates
Standard, insurance, medical, workers' comp, examiner, and entry-level claims specialist. All in one DOCX.

Template 1: Claims Specialist (Standard)

The universal base: review, verify, and process claims, evaluate coverage, coordinate with claimants, and resolve within policy.

Claims Specialist Job Description (Standard)
CLAIMS SPECIALIST JOB DESCRIPTION
Company: __ ([City, State])
Reports to: __ (Claims Manager / Office Manager / Owner)
Employment type: [ ] Full-time [ ] Part-time
FLSA status: Exempt or non-exempt depending on duties; see the FLSA note below
Pay range: $_ to $_ per [hour / year]

ABOUT [COMPANY NAME]

[One or two sentences about your company and the claims function the specialist
will join.]

JOB SUMMARY

[Company Name] is hiring a Claims Specialist to process and manage claims accurately
and on time. You will review and verify claims, gather documentation, evaluate
coverage, coordinate with claimants and providers, and resolve claims within policy
and procedure. A detail-focused, organized person comfortable with documentation and
deadlines is ideal.

KEY RESPONSIBILITIES

Review, verify, and process claims accurately
Gather and verify documentation and information
Evaluate coverage and apply policy and procedure
Coordinate with claimants, providers, and adjusters
Maintain accurate claim records and notes
Track claim status and meet deadlines
Resolve discrepancies and answer claim questions
Follow regulatory and confidentiality requirements

REQUIRED QUALIFICATIONS

High school diploma or equivalent; associate or bachelor's a plus
Strong accuracy, organization, and communication skills
Comfortable with claims or records software
Detail-oriented and able to manage a claim caseload
Discreet with confidential claim and personal data
PREFERRED
[1-3] years of claims, insurance, or medical billing experience
Relevant licensing or certification where required

FLSA NOTE (read before posting)

Classification depends on duties. A claims specialist who exercises discretion and
independent judgment, evaluating coverage, determining liability, and negotiating
settlements, generally meets the administrative exemption and is salaried-exempt. A
specialist who applies prescribed procedures without significant independent
judgment is typically non-exempt and hourly. The title does not decide it; the
duties and salary do. This is general information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per [hour / year]
To apply, send your resume to __.
[Company Name] is an equal opportunity employer.

Template 2: Insurance Claims Specialist

The insurance version: handle claims from intake to resolution, verify coverage, assess liability, and help negotiate settlements.

Insurance Claims Specialist Job Description
INSURANCE CLAIMS SPECIALIST JOB DESCRIPTION
Company: __ ([City, State])
Reports to: __ (Claims Manager / Owner)
Employment type: [ ] Full-time
FLSA status: Exempt or non-exempt depending on duties; see the FLSA note below
Pay range: $_ to $_ per [hour / year]

JOB SUMMARY

[Company Name] is hiring an Insurance Claims Specialist to handle insurance claims
from intake through resolution. You will review claims, verify coverage, gather
documentation, evaluate liability, coordinate with claimants and adjusters, and help
resolve and settle claims within policy. A detail-focused person comfortable with
insurance documentation and regulations is ideal.

KEY RESPONSIBILITIES

Review and process insurance claims end to end
Verify policy coverage and claim eligibility
Gather and evaluate documentation and evidence
Assess liability and claim value within policy
Coordinate with claimants, adjusters, and providers
Maintain accurate claim files and documentation
Help negotiate and resolve settlements
Follow state insurance regulations and confidentiality

REQUIRED QUALIFICATIONS

High school diploma or equivalent; associate or bachelor's a plus
Knowledge of insurance claims and coverage basics
Strong accuracy, organization, and communication skills
Comfortable with claims software and documentation
Discreet with confidential claim data
PREFERRED
[1-3] years of insurance claims experience
State adjuster license where required (see note)

FLSA NOTE (read before posting)

An insurance claims specialist who interviews insureds and witnesses, inspects
damage, evaluates coverage, determines liability, and negotiates settlements
generally meets the administrative exemption and is salaried-exempt. A more clerical
processing role is typically non-exempt and hourly. Classify by actual duties and
salary. This is general information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per [hour / year]
To apply, send your resume to __.
[Company Name] is an equal opportunity employer.
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Template 3: Medical Claims Specialist (Small Practice)

The best small-business fit: prepare and submit claims, apply ICD-10 and CPT codes, work denials, and protect patient privacy. Often combined with billing.

Medical Claims Specialist Job Description (Small Practice)
MEDICAL CLAIMS SPECIALIST JOB DESCRIPTION (SMALL PRACTICE)
Practice: __ ([City, State])
Reports to: Office Manager / Practice Administrator / Physician-Owner
Employment type: [ ] Full-time [ ] Part-time
FLSA status: Non-exempt (hourly, overtime-eligible) in most cases; confirm by duties
Pay range: $_ to $_ per [hour / year]

ABOUT [PRACTICE NAME]

[One or two sentences about your practice and the billing and claims work the
specialist will handle.]

JOB SUMMARY

[Practice Name] is hiring a Medical Claims Specialist to handle insurance claims and
billing for our practice. Often combined with medical billing, this role prepares and
submits claims, follows up on denials and payments, verifies patient coverage, and
keeps our revenue cycle moving. A detail-focused person who knows coding and payer
rules and protects patient privacy is ideal for a small practice.

KEY RESPONSIBILITIES

Prepare and submit medical claims to payers
Apply correct codes (ICD-10, CPT) and verify accuracy
Verify patient insurance coverage and eligibility
Follow up on denials, rejections, and unpaid claims
Post payments and reconcile accounts
Coordinate with patients, providers, and payers
Maintain accurate billing and claim records
Protect patient privacy and follow HIPAA

REQUIRED QUALIFICATIONS

High school diploma or equivalent; coding coursework a plus
Knowledge of medical billing, ICD-10, and CPT coding
Familiarity with payer rules and claim submission
Strong accuracy and attention to detail
Discreet with protected health information (HIPAA)
PREFERRED
[1-3] years of medical billing or claims experience
Medical billing or coding certification

FLSA NOTE (read before posting)

A medical claims specialist at a small practice, focused on preparing claims,
applying codes, and following up on payments, is typically NON-EXEMPT (hourly,
overtime-eligible), because the work applies prescribed rules rather than exercising
independent judgment on matters of significance. Classify by actual duties and
salary. This is general information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per [hour / year]
To apply, send your resume to __.
[Practice Name] is an equal opportunity employer.

Template 4: Workers' Compensation Claims Specialist

The technical, judgment-heavy version: investigate claims, coordinate benefits and reserves, ensure jurisdiction compliance, and manage resolution.

Workers' Compensation Claims Specialist Job Description
WORKERS' COMPENSATION CLAIMS SPECIALIST JOB DESCRIPTION
Company: __ ([City, State])
Reports to: __ (Claims Manager / Owner)
Employment type: [ ] Full-time
FLSA status: Often exempt (salaried) given the judgment involved; confirm by duties
Pay range: $_ to $_ per year

JOB SUMMARY

[Company Name] is hiring a Workers' Compensation Claims Specialist to manage workers'
comp claims from report through resolution. You will investigate claims, coordinate
medical and wage benefits, manage reserves, ensure jurisdiction compliance, and work
with injured workers, providers, and counsel. A knowledgeable, organized person
comfortable with workers' comp rules and deadlines is ideal.

KEY RESPONSIBILITIES

Manage workers' comp claims through the lifecycle
Investigate claims and coordinate medical care
Determine and manage benefits and reserves
Ensure compliance with state jurisdiction rules
Coordinate with injured workers, providers, and counsel
Manage return-to-work and case resolution
Maintain accurate claim files and documentation
Negotiate and resolve claims within authority

REQUIRED QUALIFICATIONS

Associate or bachelor's degree, or equivalent experience
Knowledge of workers' compensation rules and process
Strong investigation, judgment, and communication skills
Comfortable managing a claim caseload and deadlines
Discreet with confidential medical and claim data
PREFERRED
[2-5] years of workers' comp claims experience
State adjuster license where required (see note)

FLSA NOTE (read before posting)

A workers' comp claims specialist typically exercises significant independent
judgment, investigating, determining benefits, managing reserves, and negotiating
resolution, which generally meets the administrative exemption, so the role is
usually salaried-exempt. Confirm the salary meets the federal threshold and that
duties match. This is general information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per year
To apply, send your resume to __.
[Company Name] is an equal opportunity employer.
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Template 5: Claims Examiner

The review version: examine claims and adjuster decisions, verify coverage and value, and approve, deny, or refer per authority.

Claims Examiner Job Description
CLAIMS EXAMINER JOB DESCRIPTION
Company: __ ([City, State])
Reports to: __ (Claims Manager)
Employment type: [ ] Full-time
FLSA status: Often exempt (salaried) given the review judgment involved; confirm by duties
Pay range: $_ to $_ per year

JOB SUMMARY

[Company Name] is hiring a Claims Examiner to review and evaluate claims for accuracy,
coverage, and compliance. You will examine submitted claims and adjuster decisions,
verify documentation and coverage, approve or refer claims, and ensure decisions
follow policy and regulation. A thorough, analytical person comfortable with review
and judgment is ideal.

KEY RESPONSIBILITIES

Review and evaluate claims for accuracy and coverage
Examine adjuster decisions and supporting documentation
Verify coverage, liability, and claim value
Approve, deny, or refer claims per authority
Ensure decisions follow policy and regulation
Identify and escalate complex or questionable claims
Maintain accurate examination records
Support audits and quality review

REQUIRED QUALIFICATIONS

Associate or bachelor's degree, or equivalent experience
Knowledge of claims, coverage, and review process
Strong analytical judgment and attention to detail
Comfortable evaluating documentation and decisions
Discreet with confidential claim data
PREFERRED
[2-4] years of claims examination or adjusting experience
State license where required (see note)

FLSA NOTE (read before posting)

A claims examiner who evaluates coverage, determines claim value, and makes or
recommends decisions generally meets the administrative exemption and is
salaried-exempt. Classify by actual duties and salary, not the title. This is general
information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per year
To apply, send your resume to __.
[Company Name] is an equal opportunity employer.

Template 6: Entry-Level Claims Specialist / Claims Processor

The early-career version: enter and verify data, process routine claims per procedure, with a path to specialist or adjuster. No experience required.

Entry-Level Claims Specialist / Claims Processor Job Description
ENTRY-LEVEL CLAIMS SPECIALIST / CLAIMS PROCESSOR JOB DESCRIPTION
Company: __ ([City, State])
Reports to: Claims Lead / Office Manager
Employment type: [ ] Full-time [ ] Part-time
FLSA status: Non-exempt (hourly, overtime-eligible)
Pay range: $_ to $_ per hour

JOB SUMMARY

[Company Name] is hiring an Entry-Level Claims Specialist (Claims Processor) to
process claims and support our claims team. You will enter and verify claim data,
gather documentation, process routine claims per procedure, and learn how our claims
process works. A reliable, detail-oriented person who wants to start a claims or
insurance career is ideal. No prior claims experience required.

KEY RESPONSIBILITIES

Enter and verify claim data accurately
Gather and check required documentation
Process routine claims following procedures
Update claim records and status
Coordinate with claimants and team members
Flag issues and escalate complex claims
Maintain accurate, organized claim files
Learn the claims process, tools, and rules

REQUIRED QUALIFICATIONS

High school diploma or equivalent
Strong accuracy, data entry, and organization skills
Comfortable with software and spreadsheets
Detail-oriented and eager to learn
Reliable and discreet with confidential data
PREFERRED
Any claims, insurance, billing, or office experience
Coursework in insurance, healthcare, or business

FLSA NOTE (read before posting)

An entry-level claims specialist or claims processor applies prescribed procedures
without significant independent judgment, so the role is non-exempt, hourly, and
overtime-eligible. This is general information, not legal advice.

COMPENSATION AND HOW TO APPLY

Pay range: $_ to $_ per hour
Growth: clear path to claims specialist, examiner, or adjuster with experience
To apply, send your resume to __.
[Company Name] is an equal opportunity employer.

Skills and Requirements

Claims specialist requirements weight accuracy, claims or billing knowledge, and discretion over heavy credentials, scaled to the tier. The difference between a weak and a strong requirement is specificity.

Weak requirementStrong requirement
Claims experience requiredHigh school diploma; 1-3 years in claims, insurance, or billing preferred
Detail-orientedProcesses claims accurately and manages a caseload to deadline
Knows the softwareComfortable with claims or medical billing software and records
Medical knowledgeFamiliar with ICD-10, CPT coding, and payer rules (medical role)
Competitive pay$22 to $30 per hour or salaried by tier, depending on duties

Keep every requirement job-related and neutral, since the EEOC prohibits job advertisements that show a preference based on a protected characteristic, and the SHRM guide covers the standard sections of a job description. Where a state adjuster license applies, state it clearly; otherwise frame certifications as preferred to keep capable candidates in the pool.

Claims Specialist Pay and FLSA Status

Claims specialist pay depends on the tier, so anchor the range to the right federal occupation rather than the generic title.

Two Tiers, Two Pay Bands (BLS, May 2024)
The professional tier, claims adjusters, examiners, and investigators, had a median annual wage of $76,790, with the lowest tenth near $47,810. The clerical tier, insurance claims and policy processing clerks, sits much lower, with a median in the mid-forties thousand range. Medical claims specialists at small practices typically sit at the lower end and are paid hourly.

Classification follows the tier. A judgment-heavy adjuster or examiner who evaluates coverage, determines liability, and negotiates settlements generally meets the administrative exemption (DOL Fact Sheet 17C) and is salaried-exempt; federal regulations specifically recognize insurance claims adjusters as generally meeting that exemption. A processor who applies set procedures is non-exempt and owed overtime under the Fair Labor Standards Act. Classify by actual duties and salary, and post a range tied to the tier.

Hiring a Claims Specialist at a Small Business

For a small business, the honest picture is that most claims specialists work for large carriers, and the one version that fits a small, no-HR shop is the medical claims specialist at a practice. The adjacent role, the medical biller, is often the same hire, and at a small practice both report to an office manager rather than HR. Here is what that means before you post.

The typical claims-specialist employer is a large insurance carrier, not a small business
Most published claims-specialist templates are written for large insurance carriers and third-party administrators with full HR departments and claims operations. The vast majority of the occupation works for those carriers. A small business rarely hires a general insurance claims specialist, since most claims are filed directly with the carrier and small agencies staff client-service roles first. Being honest about that helps a small employer avoid posting a role it does not actually need, and points to the one version that does fit a small, no-HR business: the medical claims specialist.
The real small-business fit is a medical practice hiring a claims-and-billing person
A small medical practice hiring a medical claims specialist, often the same person as the medical biller, is the genuine small-business version of this role. The practice owner or office manager writes the posting, screens candidates, and onboards the hire, usually with no HR department. The work is preparing and submitting claims, applying codes, working denials, and keeping the revenue cycle moving, while protecting patient privacy. This is a routine early hire at a growing practice, and it is exactly the no-HR profile the medical template here is written for. If you are a small practice, that is the template to start from.
However you classify it, the hire still has to be onboarded
Once you hire a claims specialist, the work is ordinary people operations made specific by the role: a signed offer with the correct classification, exempt or non-exempt, Form I-9 and tax forms, state new-hire reporting, confidentiality and HIPAA acknowledgments for a medical role, and a structured first week. FirstHR fits this for a small practice or agency without an HR department: e-signature for the offer and acknowledgments, an AI onboarding wizard and task workflows, document management for signed forms, and an HRIS and self-service portal. To be clear about scope, FirstHR is an onboarding and HR platform, not a claims, billing, or payer system, and it does not run payroll or administer benefits, so pair it with those tools. Applicant tracking is coming soon.

From Hiring to Onboarding

The job description is step one. Once a candidate accepts, the onboarding should record the classification correctly, exempt or non-exempt, and, for a medical role, handle HIPAA from the start. Begin with the paperwork spine: a signed offer with the pay and classification, Form I-9 and tax forms, state new-hire reporting, and confidentiality or HIPAA acknowledgments. Then run a structured first week so the specialist learns your claims or billing system and payer rules fast.

Send the offer
Confirm the role, pay, schedule, and the exempt or non-exempt classification in writing. An offer letter template makes this fast.
Collect the paperwork
Form I-9, tax forms, state new-hire reporting, and confidentiality or HIPAA acknowledgments for a medical role.
Run a structured first week
Claims or billing system access, payer and procedure training, key contacts, and clear early tasks, so a specialist is productive fast.
Store the records
Keep signed forms, the classification basis, and any license records organized for compliance and audits.

Once your offer is ready, the offer letter template handles the next step, and an onboarding template gives the new specialist a structured start. FirstHR connects the offer, paperwork, e-signatures, document storage, and the onboarding workflow in one place, with the specialist's classification recorded from day one, so a small practice or agency without an HR department can run the process cleanly. FirstHR is an onboarding and HR platform, not a claims, billing, or payer system, and it does not run payroll or administer benefits, so pair it with those tools. Applicant tracking is coming soon to FirstHR.

Key Takeaways
A claims specialist reviews, processes, and resolves claims, with the depth of judgment depending on the tier.
The title spans two tiers: a judgment-heavy adjuster or examiner (usually salaried-exempt) and a procedural processor (usually hourly).
Use the template that matches the type: standard, insurance, medical, workers' comp, examiner, or entry-level.
The FLSA split is the key content point: adjusters with real judgment are often exempt; processors are usually non-exempt and hourly.
Many states require an adjuster license for insurance claims roles; medical and clerical roles generally do not.
The best small-business fit is a medical claims specialist at a practice, often the same person as the medical biller.

Frequently Asked Questions

What does a claims specialist do?

A claims specialist processes and manages claims from intake through resolution. The core work is reviewing and verifying claims, gathering documentation, evaluating coverage, coordinating with claimants and providers, resolving claims within policy and procedure, and maintaining accurate records. The exact work depends on the tier: a professional claims specialist, adjuster, or examiner exercises judgment, evaluating coverage, determining liability, and negotiating settlements, while a clerical claims processor applies prescribed procedures to submit and update claims. In a medical setting, a claims specialist usually handles billing and insurance claims for a practice, applying codes and working denials. The unifying thread is accurate, compliant, on-time claim handling, whether the role is judgment-heavy or procedural. This is general information, not legal advice.

Is a claims specialist exempt or non-exempt under the FLSA?

It depends on the tier, and this is the most important classification question for the role. Federal regulations specifically address insurance claims adjusters: an adjuster or examiner whose duties include interviewing insureds and witnesses, inspecting damage, evaluating coverage, determining liability, and negotiating settlements generally meets the administrative exemption and is salaried-exempt. A claims processor or clerk who applies prescribed procedures without significant independent judgment is typically non-exempt, hourly, and overtime-eligible. A medical claims specialist at a small practice, focused on preparing and submitting claims and working denials, is usually non-exempt. The title never determines exemption status; the actual duties and the salary level do. Classify each role on its real duties, and confirm with a qualified advisor when in doubt. This is general information, not legal advice.

How much does a claims specialist make?

Pay depends heavily on the tier, because the title spans two federal occupations. The professional tier, claims adjusters, examiners, and investigators, had a median annual wage of $76,790 as of the May 2024 data, with the lowest tenth around $47,810 and the highest tenth around $112,150. The clerical tier, insurance claims and policy processing clerks, sits much lower, with a median in the mid-forties thousand range. Generic claims-specialist figures from job-market sources fall between those tiers, commonly in the high-forties to high-sixties thousand range, while medical claims specialists at small practices typically sit at the lower end and are paid hourly. Benchmark to the specific tier, setting, and your local market, and post a range where your state or city requires one. This is general information, not legal advice.

What is the difference between a claims specialist and a claims adjuster?

The terms overlap, and claims specialist is often used as a general label that includes adjuster work. The federal occupation that covers adjusters, examiners, and investigators lists claims specialist among its alternate titles, so in many companies they are the same role. The practical distinction is that adjuster is the more specific, judgment-heavy title for someone who investigates claims, evaluates coverage, determines liability, and negotiates settlements, and adjusters are often state-licensed. Claims specialist is broader and can describe either that professional role or a more processing-focused one. When writing the posting, decide whether the role exercises real judgment and may need an adjuster license, in which case the adjuster framing fits, or whether it is more procedural, in which case specialist or processor is the better label. This is general information, not legal advice.

Does a claims specialist need a license?

It depends on the role and the state. Many states require insurance claims adjusters to hold a state adjuster license, with requirements that vary by state and by line of insurance, and some states have no licensing requirement at all. A claims specialist who will adjust insurance claims, evaluating coverage and negotiating settlements, may need a license in the states where claims are handled, so a small employer should confirm the requirement with the relevant state department of insurance and state it in the posting. A medical claims specialist or a clerical claims processor generally does not need an adjuster license, since they are billing or processing rather than adjusting, though medical billing certifications are valued. Check your state's specific rule before posting. This is general information, not legal advice.

What does a medical claims specialist do?

A medical claims specialist handles insurance claims and billing for a healthcare practice, and the role often overlaps with medical billing. The core work is preparing and submitting claims to payers, applying correct ICD-10 and CPT codes, verifying patient insurance coverage and eligibility, following up on denials and unpaid claims, posting payments, and keeping the revenue cycle moving, all while protecting patient privacy under HIPAA. At a small practice, this person typically reports to an office manager, practice administrator, or the physician-owner rather than an HR department, which makes it the most common claims role at a small, no-HR business. The role is usually non-exempt and hourly. Medical billing or coding certification is valued but often preferred rather than required. This is general information, not legal advice.

What qualifications does a claims specialist need?

Most claims specialist roles ask for a high school diploma or equivalent, with an associate or bachelor's degree preferred for professional tiers, plus strong accuracy, organization, and communication skills and comfort with claims or billing software. Beyond that, requirements vary by tier: a medical claims specialist needs knowledge of medical billing, ICD-10, and CPT coding; an insurance or workers' comp specialist needs claims and coverage knowledge and may need a state adjuster license; a claims examiner needs analytical review skills. Because the lower tiers are learned largely on the job, employers weight reliability and attention to detail over credentials, and entry-level roles often require no prior claims experience. Keep requirements job-related and neutral, and frame experience and certifications as preferred where the role allows. This is general information, not legal advice.

What should a claims specialist job description include?

A strong claims specialist job description names the version of the role up front, whether standard, insurance, medical, workers' comp, examiner, or entry-level processor, since the tier shapes the duties, pay, and classification. Include a job summary built around accurate, compliant claim handling, and group responsibilities into intake and documentation, evaluation and coverage, coordination and resolution, and compliance and records. State the required skills and any licensing clearly. The most valuable additions that generic templates skip are the FLSA exempt-versus-non-exempt split between the adjuster and processor tiers, a state adjuster-licensing callout, salary bands tied to the right tier, and, for a small practice, the medical-billing and HIPAA framing. Post a range where your state requires one, and close with an equal opportunity statement and clear apply instructions. This is general information, not legal advice.

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