How to document a workers' comp premium-audit bill dispute
A useful dispute record begins with the carrier’s calculation. It shows exactly where your source totals and the statement part company.
What the official record says
New York DFS has explained that a workers’ compensation audit completed after the usual 180-day period can still produce premium due; the late timing did not erase the filed-rate obligation in the facts addressed by that opinion. Texas requires policies to include notice of suggested policyholder complaint procedures for disputes concerning a claim or premium. These sources show why “the audit was late” or “the bill is large” is not enough. The record needs a rule, a document, and a dollar calculation.
What to check on the document
Rebuild exposure first, then apply the carrier’s stated rates and modifiers. Keep classification questions separate from arithmetic differences.
- Tie policy-period payroll totals to the tax and payroll records the carrier requested.
- List each overtime, subcontractor, owner, severance, or duplicate-payroll adjustment with its source.
- Quote the policy’s dispute or complaint procedure and preserve every submission and response date.
How to use the result
A clear letter states the carrier figure, your recomputation, and the source for each difference. You or your broker sends it and follows the insurer’s process. If the only disagreement is the class assigned to work, take that issue through the broker or applicable rating process. Our $249 packet is refunded if its recomputation finds no dollar difference from the carrier’s statement.
A premium review starts with the policy, the carrier’s audit statement, payroll records, and subcontractor documents for the same policy period. We preserve the class codes the carrier used and show the described work beside them. A class-code argument belongs with the broker and carrier. Auditors are often right; the free check says so when the bill looks right.
Operated by Reality Contact, LLC. This is document preparation and arithmetic, not insurance advice. Reality Contact, LLC is not an insurance agent, adjuster, or licensed insurance consultant. We do not contact your carrier; you or your broker sends it. No contingency.