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Workers Comp Premium Audit Bill Payments – Correction


Workers Comp Premium Audit Bill Payments

I need to make a correction on workers’ comp premium audit bill payments. I do not go back and change any of my prior posts. I decided to add in a post to lessen any confusion on my last post.

Picture Of Hand Gesture Workers Comp Premium Audit Bill Payment Graphic

One of my colleagues has pointed out that I should not leave any of our blog readers and Google searchers with the idea that the premium audit bill should not be paid even if overdue. I had posted last time that if your company pays its workers Comp audit bill, it will lose leverage.

The main point here is that if you know or feel that your company has been overcharged, you are required by each state’s insurance laws to pay the undisputed premiums when due. The amount of disputed premiums is a grey area. How would you or your company know what the undisputed amount is without assistance?

The other point I wanted to cover is to never use the premium dispute process as a method to delay paying a bill.  Carriers may just file a collection lawsuit if they discover you have no basis to not pay the bill.

Workers Compensation insurance carriers have not, do not, and will not accept “I think the bill is too high” as a reason.  Some insurance carriers will make payment arrangements.  The number of carriers allowing payment plans shrinks every year Calling in a non-agent expert is recommended if you or your company is in this situation with a worker’s comp premium audit bill.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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