In some circumstances, such as accidental death or long-term disability, Examiners may contact claimants, doctors or employers for more information. Because long-term disability cases need review, some companies use their own field disability claims representatives for this purpose. Others use outside investigating services. Once the claim is found valid, Examiners work out and authorize the payment. Claims Adjusters most often work in smaller branch offices.
Most offices are modern, well-lit and equipped with the latest office machines and computers.
Field Adjusters are out of the office a lot and may get less direct supervision. A lot of driving is required, but there's very little over-night travel. Report writing is a big part of the job, and Field Adjusters can spend up to two days a week in the office working on reports. Adjusters may belong to local and national claims associations. Not many Insurance Adjusters, Examiners and Investigators are members of unions.