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Here are a few “P.S.’s” to the author’s five points

Here is an interesting article we noted, and a few comments:  5 Tips about Workers’ Compensation Coverage http://www.wbsonline.com/resources/5-tips-about-workers-compensation-coverage/   

.  Refusal to cooperate in an audit can result in a “losses only – no payroll” experience modification and/or a stiff fine to pay the cost of an audit.  

.  It’s a good practice to make and keep written notes of discussions with the auditor.  They may prove crucial in a future dispute if the insurer wants to change things from what its auditor previously approved.  It’s also wise to request and keep a copy of the auditor’s notes.   

.  Always obtain and keep a copy of the experience modification worksheet issued by the WCIRB (California) or NCCI – and scrutinize all of the information in it to ensure that the mod is correct.  If you suspect problems, contact your insurance rep – or me.    

.  Cancelling your comp coverage mid-term can bring nasty experience mod surprises.  Be sure to investigate the consequences in advance. 

Published: Thursday, November 14, 2013
Last updated: Tuesday, September 9, 2014
By: Arthur J. Levine, Ph.D.

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