Workers Compensation

Our premium audit bill just arrived. I have questions on how our final bill was calculated and how our Workers Comp policy was written. How do I know if my gut feeling is correct?

I received the above question on Saturday. If you have a gut feeling something is amiss, that is usually the best indication of an error in your policy. You may want to go through a List Of Red Flags concerning your Workers Compensation coverage.

The one from the list that seems to cause the most concern is - was the audit brief and superficial? In this downward spiral economy, insurance carriers are cutting overhead in many ways including personnel. Premium auditors and other insurance personnel are being asked to take on much more of a load than usual. There may not be enough time allotted to properly audit your Workers Comp.

The most important thing to do is to not let the bill and audit report sit on your desk with no response. There are many deadlines with your premium bill. Your bill may say that you have five days to pay. However, most times you have 30 days to pay or dispute the premium audit bill. The number of days varies from state to state.

I have seen many companies have to pay bills because they let the deadlines pass without any action. Phone calls and emails are great, but letters always provide the best documentation.

If you feel that your concerns are not being met or that you are unsure of how to exactly proceed, it may best to consult with a workers compensation premium expert.

Source: http://blogs.cutcompcosts.com/2012/08/our-premium-audit-bill-just-arrived-and.html

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