Consider just how many people
are involved in figuring
out your Workers' Compensation charges:
Insurance company underwriter,
the one who makes decisions
Insurance company nurse
Underwriter’s assistant
Employer
Claims adjuster
Employer’s staff
Claims assistant
Employee
Insurance company rater
At least two data processing clerks
Workers’ Compensation Rating Bureau
personnel
Current insurance agent
State personnel
Insurance agency staff
Clinic physicians
Medical specialists
Clinic staff
And quite possibly, lawyers
With all of these people
affecting how your Workers' Compensation Insurance is managed, how
would it be possible for errors and even major mistakes that cause
you to be overcharged not to occur?
Overcharges also arise from:
Clerical errors
Incorrect reporting of payroll figures
Mishandling of on-the-job injuries
Violation of merger rules
Multi-state business
Changing in your business
Not taking advantage of available credits
Not taking legally entitled to deductions
Sloppy injury management
Botched Experience Mod management
Misunderstanding of rules
Gray area defaulting to the insurance company, not the
employer
Putting employees into the wrong job classifications
