Claims analyst vs liability claims representative

The differences between claims analysts and liability claims representatives can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a claims analyst and a liability claims representative. Additionally, a claims analyst has an average salary of $48,398, which is higher than the $45,654 average annual salary of a liability claims representative.

The top three skills for a claims analyst include customer service, medical terminology and CPT. The most important skills for a liability claims representative are litigation, claims handling, and customer service.

Claims analyst vs liability claims representative overview

	Claims Analyst	Liability Claims Representative
Yearly salary	$48,398	$45,654
Hourly rate	$23.27	$21.95
Growth rate	-6%	-6%
Number of jobs	22,062	13,563
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 52%	Bachelor's Degree, 81%
Average age	44	44
Years of experience	6	6

What does a claims analyst do?

A claims analyst specializes in processing medical insurance claims. They are primarily responsible for verifying the authenticity and eligibility of claims, analyzing the billing, communicating with policyholders, and ensuring adherence to all the policies and regulations during the entire procedure. Furthermore, a claims analyst is also in charge of administrative tasks such as keeping and updating records, reaching out and sending reports to creditors, setting appointments and schedules, processing paperwork, coordinating with key personnel, and discussing terms and necessary information to clients.

What does a liability claims representative do?

A liability claims representative works at insurance companies where they are in charge of processing and settling insurance claims, ensuring accurate and efficient client service. They are responsible for conducting assessments, reviewing reports from examiners, and tracking any discrepancies such as underpayment or overpayment, reporting them right away. There are also times when they must meet with clients and inspect damages, conduct interviews and evaluations, estimate and negotiate settlements with external parties, and coordinate with other professionals to gain insights. Moreover, a liability claims representative maintains an active communication line with staff, resolving issues in a timely manner.

Claims analyst vs liability claims representative salary

Claims analysts and liability claims representatives have different pay scales, as shown below.

	Claims Analyst	Liability Claims Representative
Average salary	$48,398	$45,654
Salary range	Between $29,000 And $78,000	Between $33,000 And $61,000
Highest paying City	Trenton, NJ	Somerville, MA
Highest paying state	New Jersey	New Jersey
Best paying company	Google	The Travelers Companies
Best paying industry	-	Insurance

Differences between claims analyst and liability claims representative education

There are a few differences between a claims analyst and a liability claims representative in terms of educational background:

	Claims Analyst	Liability Claims Representative
Most common degree	Bachelor's Degree, 52%	Bachelor's Degree, 81%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims analyst vs liability claims representative demographics

Here are the differences between claims analysts' and liability claims representatives' demographics:

	Claims Analyst	Liability Claims Representative
Average age	44	44
Gender ratio	Male, 27.6% Female, 72.4%	Male, 43.1% Female, 56.9%
Race ratio	Black or African American, 11.3% Unknown, 4.4% Hispanic or Latino, 16.4% Asian, 5.1% White, 62.3% American Indian and Alaska Native, 0.5%	Black or African American, 11.5% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.2% White, 61.7% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between claims analyst and liability claims representative duties and responsibilities

Claims analyst example responsibilities.

Help managed meetings regarding decision making on CMS regulations.
Process UB's and HCFA's according to guidelines.
Analyze and investigate medical claims utilizing ICD-9 and CPT-4 coding.
Review claims (HCFA and UB) for accurate billing submission.
Interpret medical reports to apply appropriate ICD-9, CPT-4 and HCPCS codes for member submit claims.
Acquire biometrics and perform phlebotomy.

Liability claims representative example responsibilities.

Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Investigate and conclude property and casualty liability claims including those in litigation with the highest overall production of the claims representatives.
Participate in arbitration hearings through writing contentions, compiling evidence and personally representing files.
Control expenses by developing and following resolutions and/or litigation plans to drive claim to resolution.
Facilitate training seminars for new employees to familiarize them with various corporate procedures including exposure recognition, fraud detection and arbitration.
Complete field inspection of losses including accurate scope of damages, photographic evidence collection, written estimates utilizing Xactimate estimating software.

Claims analyst vs liability claims representative skills

Common claims analyst skills

Customer Service, 14%
Medical Terminology, 5%
CPT, 5%
Process Claims, 5%
Medicaid, 5%
Data Entry, 5%

Common liability claims representative skills

Litigation, 9%
Claims Handling, 8%
Customer Service, 7%
Law Enforcement Agencies, 6%
Insurance Claims, 6%
Reservations, 6%

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Claims Analyst
Claims Analyst vs Liability Claims Representative

Updated January 8, 2025

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