Every workers' compensation policy is priced twice. At the start of the policy period, the carrier charges a deposit or estimated premium based on the payroll you expect to pay in each classification. After the period ends, the carrier audits your actual payroll and calculates the final premium. If actual payroll was higher than the estimate, or landed in more expensive classifications, you get a bill for additional premium. If it was lower, you get a return.
The workers' comp ...
Workers' comp class codes look like an insurance detail that belongs to the agent and the carrier. In practice, HR and payroll control most of the information that decides them: job titles, job duties, where people work, and how their pay is recorded. When that information is wrong or out of date, the policy is priced on the wrong codes, and the error usually surfaces at the premium audit as an unexpected bill.
This guide explains how class codes work, which rating bureau sets them ...
The FMLA leave is over and the employee is not back. Maybe they did not show up on the return date. Maybe they emailed last week to say they are not coming back. Maybe their doctor says they still cannot work. Each of those is a different situation with different rules, and the mistakes HR makes at this point are expensive: terminating someone who was entitled to more leave as an ADA accommodation, recovering health premiums the regulations do not allow, or sending a COBRA notice with the ...
The first report of injury (often shortened to FROI) is the document that turns a workplace accident into a workers' comp claim. Everything downstream depends on it: the adjuster's compensability decision, the first benefit check, medical authorization, and in many states the state agency's record of the claim. A late or sloppy report doesn't just irritate the carrier. It can delay the employee's benefits, draw state penalties, and create inconsistencies that surface later in a ...
A doctor's note that says "may return to work with restrictions" is where most return-to-work problems start. The supervisor reads it as "not ready yet." The employee reads it as "I get to come back." The claims adjuster reads it as "temporary disability benefits may stop." And HR is left holding a piece of paper that rarely says what the employee can actually do on a Tuesday morning.
This guide lays out a repeatable process for bringing an employee back with restrictions, whether ...
1-770-410-1219
support@HRTrainingCenter.com
770-410-1219
