Career and Education Opportunities for Insurance Processing Clerks in Detroit, Michigan
Detroit, Michigan provides a wide variety of opportunities, both career and educational, for insurance processing clerks. About 7,060 people are currently employed as insurance processing clerks in Michigan. By 2016, this is expected to shrink 3% to about 6,810 people employed. This is not quite as good as the national trend for insurance processing clerks, which sees this job pool growing by about 0.3% over the next eight years. In general, insurance processing clerks process applications for, changes to, and cancellation of insurance policies.
The income of an insurance processing clerk is about $14 per hour or $30,130 per year on average in Michigan. In the U.S. as a whole, their income is about $15 per hour or $33,100 per year on average. Compared with people working in the overall category of Clerical, people working as insurance processing clerks in Michigan earn less. They earn more than people working in the overall category of Clerical nationally.
There are five schools within twenty-five miles of Detroit where you can study to be an insurance processing clerk, among seventy-three schools of higher education total in the Detroit area. Insurance processing clerks usually hold a high school diploma or GED, so you can expect to spend only a short time studying to be an insurance processing clerk if you already have a high school diploma.
CAREER DESCRIPTION: Insurance Processing Clerk
In general, insurance processing clerks process applications for, changes to, and cancellation of insurance policies. They also duties include reviewing insurance applications to ensure that all questions have been answered, compiling data on insurance policy changes, changing policy records to conform to insured party's specifications, compiling data on lapsed insurance policies to determine automatic reinstatement according to company policies, canceling insurance policies as requested by agents, and verifying the accuracy of insurance company records.
Insurance processing clerks correspond with agents to obtain data or inform them of account status or changes. They also modify and process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance. Equally important, insurance processing clerks have to inspect and verify data, such as age and principal sum and value of property on insurance applications and policies. They are often called upon to examine letters from policyholders or agents, original insurance applications, and other company documents to establish if changes are needed and effects of changes. They are expected to notify insurance agents and accounting departments of policy cancellations. Finally, insurance processing clerks process and record new insurance policies and claims.
Every day, insurance processing clerks are expected to be able to see details at a very fine level of focus. They need to listen to and understand others in meetings. It is also important that they articulate ideas and problems.
It is important for insurance processing clerks to process and submit business or government forms, such as submitting applications for coverage to insurance carriers. They are often called upon to compose business correspondence for supervisors, managers and professionals. They also interview clients and take their calls to furnish customer service and obtain data on claims. They are sometimes expected to transcribe data to worksheets and enter data into computer for use in preparing documents and adjusting accounts. Somewhat less frequently, insurance processing clerks are also expected to correspond with agents to obtain data or inform them of account status or changes.
and process and record new insurance policies and claims. And finally, they sometimes have to transcribe data to worksheets and enter data into computer for use in preparing documents and adjusting accounts.
Like many other jobs, insurance processing clerks must have exceptional integrity and be thorough and dependable.
Similar jobs with educational opportunities in Detroit include:
- Broker Assistant. Perform clerical duties involving the purchase or sale of securities. Duties include writing orders for stock purchases and sales, computing transfer taxes, verifying stock transactions, accepting and delivering securities, tracking stock price fluctuations, computing equity, and keeping records of daily transactions and holdings.
- Clerk. Compile data, compute fees and charges, and prepare invoices for billing purposes. Duties include computing costs and calculating rates for goods, services, and shipment of goods; posting data; and keeping other relevant records. May involve use of computer or typewriter, calculator, and adding and bookkeeping machines.
- Correspondence Clerk. Compose letters in reply to requests for merchandise, damage claims, credit and other information, delinquent accounts, or unsatisfactory services. Duties may include gathering data to formulate reply and typing correspondence.
- Courtroom Clerk. Perform clerical duties in court of law; prepare docket of cases to be called; secure information for judges; and contact witnesses, attorneys, and litigants to obtain information for court.
- Eligibility and Occupancy Interviewer. Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, and public housing.
- File Clerk. File correspondence, cards, and other records in alphabetical or numerical order or according to the filing system used. Locate and remove material from file when requested.
- Front Desk Manager. Accommodate hotel, motel, and resort patrons by registering and assigning rooms to guests, issuing room keys, transmitting and receiving messages, keeping records of occupied rooms and guests' accounts, making and confirming reservations, and presenting statements to and collecting payments from departing guests.
- Insurance Claims Processor. Obtain information from insured or designated persons for purpose of settling claim with insurance carrier.
- Library Clerk. Compile records, sort and shelve books, and issue and receive library materials such as pictures, cards, slides and microfilm. Locate library materials for loan and replace material in shelving area, stacks, or files according to identification number and title. Register patrons to permit them to borrow books, periodicals, and other library materials.
- License Clerk. Issue licenses or permits to qualified applicants. Obtain necessary information; record data; advise applicants on requirements; collect fees; and issue licenses. May conduct oral, written, or performance testing.
- Municipal Clerk. Draft agendas and bylaws for town or city council; record minutes of council meetings; answer official correspondence; keep fiscal records and accounts; and prepare reports on civic needs.
- Office Clerk. Perform duties too varied and diverse to be classified in any specific office clerical occupation, requiring limited knowledge of office management systems and procedures. Clerical duties may be assigned in accordance with the office procedures of individual establishments and may include a combination of answering telephones, bookkeeping, typing or word processing, stenography, office machine operation, and filing.
- Order Clerk. Receive and process incoming orders for materials, merchandise, or services such as repairs, installations, or rental of facilities. Duties include informing customers of receipt, prices, and delays; preparing contracts; and handling complaints.
- Payroll Bookkeeper. Compile and post employee time and payroll data. May compute employees' time worked, production, and commission. May compute and post wages and deductions. May prepare paychecks.
- Procurement Clerk. Compile information and records to draw up purchase orders for procurement of materials and services.
- Receptionist. Answer inquiries and obtain information for general public, customers, and other interested parties. Provide information regarding activities conducted at establishment; location of departments, offices, and employees within organization.
- Statement Clerk. Prepare and distribute bank statements to customers, answer inquiries, and reconcile discrepancies in records and accounts.
- Statistical Clerk. Compile and compute data according to statistical formulas for use in statistical studies. May perform actuarial computations and compile charts and graphs for use by actuaries. Includes actuarial clerks.
- Store Clerk. Receive, store, and issue sales floor merchandise. Stock shelves, racks, and tables with merchandise and arrange merchandise displays to attract customers. May periodically take physical count of stock or check and mark merchandise.
- Weighter. Weigh, measure, and check materials, supplies, and equipment for the purpose of keeping relevant records. Duties are primarily clerical by nature.
EDUCATIONAL OPPORTUNITIES: Insurance Processing Clerk Training
Dorsey Business Schools - Roseville, MI
Dorsey Business Schools, 31542 Gratiot, Roseville, MI 48066. Dorsey Business Schools is a small school located in Roseville, Michigan. It is a private for-profit school with primarily less-than 2-year programs and has 459 students. Dorsey Business Schools has a one to two year program in General Office Occupations and Clerical Services.
Baker College of Auburn Hills - Auburn Hills, MI
Baker College of Auburn Hills, 1500 University Dr, Auburn Hills, MI 48326-2642. Baker College of Auburn Hills is a small college located in Auburn Hills, Michigan. It is a private not-for-profit school with primarily 4-year or above programs and has 3,848 students. Baker College of Auburn Hills has a one to two year program in General Office Occupations and Clerical Services which graduated six students in 2008.
Baker College of Clinton Township - Clinton Township, MI
Baker College of Clinton Township, 34950 Little Mack Ave, Clinton Township, MI 48035. Baker College of Clinton Township is a medium sized college located in Clinton Township, Michigan. It is a private not-for-profit school with primarily 4-year or above programs and has 5,666 students. Baker College of Clinton Township has a one to two year and an associate's degree program in General Office Occupations and Clerical Services which graduated five and zero students respectively in 2008.
Dorsey Business Schools - Madison Heights, MI
Dorsey Business Schools, 30821 Barrington, Madison Heights, MI 48071. Dorsey Business Schools is a small school located in Madison Heights, Michigan. It is a private for-profit school with primarily less-than 2-year programs and has 216 students. Dorsey Business Schools has a one to two year program in General Office Occupations and Clerical Services.
Baker College of Allen Park - Allen Park, MI
Baker College of Allen Park, 4500 Enterprise Dr, Allen Park, MI 48101. Baker College of Allen Park is a small college located in Allen Park, Michigan. It is a private not-for-profit school with primarily 4-year or above programs and has 2,548 students. Baker College of Allen Park has a one to two year program in General Office Occupations and Clerical Services.
Certified Patient Account Technician: The Certified Patient Account Manager exam is every bit as challenging for patient account managers as the CPA and Bar exams are for their respective fields.
For more information, see the American Association of Healthcare Administrative Management website.
Certified Clinic Account Technician: AAHAM developed the Certified Clinic Account Technician (CCAT) examination to test the proficiency of individuals involved in the collection of patient accounts and to prepare them for the many changes to come.
For more information, see the American Association of Healthcare Administrative Management website.
LOCATION INFORMATION: Detroit, Michigan
Detroit is located in Wayne County, Michigan. It has a population of over 912,062, which has shrunk by 4.1% in the past ten years. The cost of living index in Detroit, 86, is well below the national average. New single-family homes in Detroit are priced at $108,900 on average, which is well below the state average. In 2008, eighty-five new homes were built in Detroit, down from one hundred fifty-four the previous year.
The three big industries for women in Detroit are health care, educational services, and transportation equipment. For men, it is transportation equipment, construction, and administrative and support and waste management services. The average commute to work is about 28 minutes. More than 11.0% of Detroit residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 4.2%, is lower than the state average.
The unemployment rate in Detroit is 27.0%, which is greater than Michigan's average of 14.3%.
The percentage of Detroit residents that are affiliated with a religious congregation, 37.7%, is less than both the national and state average. The most common religious groups are the Catholic Church, the Muslim Estimate and the Lutheran Church.
Detroit is home to the Memorial Park Marina and the Detroit Golf Club as well as Chene Park and Mallett Playground. Visitors to Detroit can choose from Corktown Inn, Clark's Motel and Days Inn of Downtown Detroit for temporary stays in the area.