Standard Exception Codes 8810
I posted on the most used Standard Exception Codes (8810) earlier this week, I thought it would be good to cover the subject again. I had posted on this subject back on October 16, 2008. That post is listed in the archived posts further down on the right side of this blog.
We will use NCCI Standard Exception Codes – classifications that are common to many businesses and that are generally not allowed to be designated as the governing classification. The governing classification is the class code that produces the most payroll in a business. The Standard Exception Codes are:
8810 – Clerical
8742 – Salespersons or Collectors – Outside
8871 – Clerical Telecommuter Employees
7380 – Drivers, Chauffeurs, Messengers, and Their Helpers NOC—Commercial
8748 – Automobile Salespersons
Please note that each of these codes has many subheadings. The Classification Code 8810 has pages and pages of explanation on the code. Is there an overall guide to what jobs fit all of these codes? The NCCI has the Scopes Manual which is supposed to be used by all insurance personnel that rate or audit companies’ Workers Comp payrolls and premiums.
One caveat to the Standard Exception Codes is that premium auditors are trained in and are very adept at analyzing the above Class Codes. We often see in our audits for employers where the auditor has moved the payroll amounts from the Standard Exception Codes to other codes.
If you feel that one of your workers that was moved to a Class Code that does not match their job, you should question the premium auditor at the time of audit and raise a dispute if you have received your premium audit bill. Always request the audit workpapers. These documents show the auditor’s thinking when auditing your records to determine your final policy premium for that year.
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