Workers Compensation Premium Recovery and Audits

If your workers' compensation premium is wrong; if the insurance company’s audit of your premium is wrong; if your classification is wrong; if your experience mod is wrong; if your high deductible is creating problems; if the definition of what is to be included in "payroll" is creating problems; if you are a PEO with any of these challenges including corporate combinations that affect e-mods; if your retro is wrong; if your scheduled rating is wrong; we will know it and more importantly, we will know how to make it right. 

Because we know every audit issue; we know every classification recorded; we know how every e-mod is to be calculated; we know the calculation of all high deductibles; we know all PEO issues as to workers compensation; we know the formulas for retrospective rating; we know the formulas for scheduled rating; we know "payroll"; we know how workers' compensation premium is rightfully calculated.


Why You Should Consider Us:
Because We Literally Wrote the Book on These Issues.  

Yes, you could say we wrote the book:

  • On audits;
  • On the Classification System (class code);
  • On the Experience Mod System;
    (or the e-mod; or the experience modification factor);
  • On the formula for High Deductibles;
  • On the definition of “Payroll” for purposes of calculating premium;
  • On all PEO workers comp issues, such as proper corporate combinations for e-mod calculations;
  • On the formula for Retros;
  • On the formula for schedule rating.

Because we did.  And all of these items drive the final calculation of your workers' compensation premium.  


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All of which drive how the workers compensation premium is calculated;

Why You Should Consider Us:  We Know This Stuff. 

After all, during our years at the National Council on Compensation Insurance (NCCI), that was precisely our job.  NCCI set the rules of the road for Audits; the Classification System; for the calculation of e-mods and High Deductibles and Retros and Scheduled Rating.  And while at NCCI, we wrote the rules of the road for PEOs as to workers' compensation. 

Together with our staff:

  • We oversaw all the rules that are applied to Audits;
  • We wrote the descriptions for the 600+ Classifications in the Scopes Manual;
  • We wrote and implemented the U.S. e-mod system; including its formulas;
  • We created and implemented the complex formulas for High Deductibles;
  • We authored and implemented the definition of “Payroll”;
  • For PEOs, we wrote the rules for corporate combinations for their e-mods; and most of the other rules that effect PEO premium;
  • We created and implemented the complex formulas for Retros;
  • We created and implemented the complex formulas for Schedule Rating plans;
  • We wrote the definition of “Payroll” for determining workers compensation premium;
  • We authored and filed some 500 statewide rate filings used throughout much of the U.S., setting the premium levels on about $15 billion of workers compensation premium – every year;
  • We gained regulatory approval to use all of the above formulas and rules.

Earlier in his career, as Iowa Commissioner of Insurance, Bill Hager judged each of these matters and approved or modified the rules as submitted to the Department of Insurance. 

We correct premium errors. Insurers use experts in multiple disciplines to prepare your policy and issue your bill. Our firm, led by former workers compensation insurance company executives, will review every aspect of your workers’ compensation policy and premium bill to determine if your premiums are calculated correctly.


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We are familiar with the rules of the game. Workers’ Compensation insurance is a very highly regulated form of insurance that requires insurers to strictly adhere to rules contained in filed rating plans, insurance statutes, rating bureau rules, and government requirements. We are familiar with these rules, and we will identify any violation of the rules and quantify its effect. Lastly, our familiarity with insurance department appeal processes, rating bureau rules, and litigation makes us uniquely qualified to secure an agreement to correct each premium error.


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We bring the full strength of our expertise to your case. We will review your audit, class codes, e-mods, high deductibles, corporate combinations, payroll determination and all other aspects of premium calculation. We will identify all issues and discrepancies in your premium calculation. If necessary, we will testify on your behalf.


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We are the only provider that has the expertise to address all workers’ compensation premium issues. We are uniquely qualified like no other expert to correct premium errors. No other provider we know of can look at the complete picture of workers’ compensation issues, take your issue all the way through the system and advocate with you as necessary.


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Why You Should Consider Us:  An Example:  With one simple example, we can illustrate why you should consider retaining us.  Did you know that the turn of two or three words in the classification system, can result in you paying hundreds of thousands of dollars in additional premium every year?  Look at these  examples:

A misclassification error cost this employer $431,000 in annual premium!

A corporate combination error cost this employer $672,100 in annual premium!

A retro premium calculation error cost this employer $125,000 in annual premium!


The Team

On Your Side.  How would you like to have the leading U.S. workers compensation premium experts on your side to assure that your e-mods, class codes, retros, large deductibles, corporate combinations, payroll determination and all other aspects of your premium (and that insurer audit requiring more premium from you) - are on the mark.  How would you like to have our expertise to assure that your premium has been rightly calculated and determined?;

 Please contact Bill Hager at 561-306-5072 or bhager@expertinsurancewitness.com for more information.


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Bill Hager: CEO of NCCI.  Bill Hager  served as President and CEO of the National Council on Compensation Insurance (NCCI) for eight years, where he led that organization and where he was responsible for all NCCI functions.

Commissioner of Insurance.  Hager earlier served as Iowa’s Insurance Commissioner where he oversaw the entire workers compensation industry, from beginning to end.  Previously, he served as an executive of the American Academy of Actuaries. 

Bill Hager’s Full Biography >>>


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Hayden Burrus: Lead Actuary.  Hayden Burrus, a Fellow of the Casualty Actuarial Society (FCAS), served as Chief Actuary of AmComp Insurance Company, where he was responsible for management of all of the company’s actuarial issues, including formulating and submitting the insurer’s rate filings for regulatory approval, (ii) participation in classification decisions and (iii) premium calculation determinations.  In addition, Burrus previously served as the lead actuary for NCCI’s groundbreaking rate making software, the foundation of which continue to thread their way through NCCI’s systems even today. 

President of Casualty Actuaries of the Southeast. Burrus earlier served as President of CASE where he oversaw all educational and other support for the profession.  And he applied his professional fire power directly at the workers compensation system for nearly 20 years; he knows the system. 

Hayden Burrus’ Full Biography >>>


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Ready to Work for You Now.  This team is prepared now – as in today – to begin working with you.  Please contact Bill Hager at 561-306-5072 or bhager@expertinsurancewitness.com for more information. To determine whether you are paying too much premium because of erroneous experience mod calculations, too much because of erroneous classifications: in short too much premium

And if you are paying too much, we will know it, and more importantly, we know the remedies, inside and out.  We know how to tackle the system, head on, to get your premium down to the right dollar amount. 


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We are the only team that has the expertise to address all workers’ compensation premium issues. We are uniquely qualified like no other expert to correct premium errors. No other provider we know of can look at the complete picture of workers’ compensation issues, take your issue all the way through the system, and successfully advocate on your behalf.


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