Claims representative vs senior claims representative

The differences between claims representatives and senior 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 representative and a senior claims representative. Additionally, a senior claims representative has an average salary of $54,592, which is higher than the $38,796 average annual salary of a claims representative.

The top three skills for a claims representative include customer service, quality standards and policy coverage. The most important skills for a senior claims representative are customer service, claims handling, and litigation.

Claims representative vs senior claims representative overview

	Claims Representative	Senior Claims Representative
Yearly salary	$38,796	$54,592
Hourly rate	$18.65	$26.25
Growth rate	-6%	-6%
Number of jobs	18,565	10,995
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 75%
Average age	44	44
Years of experience	6	6

What does a claims representative do?

A Claims Representative is an agent who works for insurance companies in order to investigate and settle claims. The agent acts as an intermediary between customers and insurance companies by evaluating the customers' facts surrounding claims and determining whether the loss is covered or should be compensated. Such a role is important because an agent makes sure that no fraud claims are being paid out. It is also highlighted that an agent works in compliance with state regulations.

What does a senior claims representative do?

A senior claims representative serves as a client's primary point of contact when processing insurance claims. Their responsibilities include meeting with clients to identify their needs, gathering and verifying documentation, conducting investigations to determine the validity of insurance claims, liaising with external parties, and negotiating the amount of compensation. Furthermore, as a senior claims representative, it is essential to lead and serve as a mentor to junior claims representatives, all while implementing the company's policies and regulations, including its vision and mission.

Claims representative vs senior claims representative salary

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

	Claims Representative	Senior Claims Representative
Average salary	$38,796	$54,592
Salary range	Between $28,000 And $53,000	Between $31,000 And $94,000
Highest paying City	Dearborn, MI	-
Highest paying state	New Jersey	-
Best paying company	W. R. Berkley	-
Best paying industry	Government	-

Differences between claims representative and senior claims representative education

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

	Claims Representative	Senior Claims Representative
Most common degree	Bachelor's Degree, 62%	Bachelor's Degree, 75%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Claims representative vs senior claims representative demographics

Here are the differences between claims representatives' and senior claims representatives' demographics:

	Claims Representative	Senior Claims Representative
Average age	44	44
Gender ratio	Male, 37.5% Female, 62.5%	Male, 47.3% Female, 52.7%
Race ratio	Black or African American, 11.0% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.4% American Indian and Alaska Native, 0.5%	Black or African American, 11.2% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.3% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between claims representative and senior claims representative duties and responsibilities

Claims representative example responsibilities.

Perform initial set-up and continuously manage claims in the Juris claims management system.
Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Prepare necessary state filings within statutory limits, manage litigation and vocational rehabilitation process, used appropriate cost containment techniques.
Assist the training department in developing CSR training in order to set expectations.
Create custom templates and guide sheets for new trainees in the CSR Internet division to ensure consistency and increase department efficiency.
Utilize proper SIU reporting procedures for extensive investigation as required.

Senior claims representative example responsibilities.

Conduct detailed interviews with physicians, prepare comprehensive written reports, retain defense counsel, and effectively manage the litigation process.
Utilize Xactimate estimating system during field inspection to properly evaluate commercial property damages.
Update computer generate claim file (s) with medical diagnoses, current CPT and ICD codes.
Analyze claims using IDC and CPT coding and negotiate settlements with attorneys, claimants, medical providers, and insureds.
Set up independent medical examinations, issue denials, attend arbitration hearings.
Coordinate and attend various mediation and arbitration hearings as well as numerous settlement hearings and conferences.

Claims representative vs senior claims representative skills

Common claims representative skills

Customer Service, 26%
Quality Standards, 6%
Policy Coverage, 6%
Reservations, 5%
Claims Handling, 3%
Insurance Coverage, 3%

Common senior claims representative skills

Customer Service, 26%
Claims Handling, 14%
Litigation, 9%
Insurance Claims, 3%
Bodily Injury Claims, 3%
Automobile Claims, 3%

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Claims Representative
Claims Representative vs Senior Claims Representative

Updated January 8, 2025

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