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Premium Audits And Lesser Known Standard Exception Codes

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The Lesser Known Standard Exception Codes

Last week, I posted on the Standard Exception classification codes namely 8742 and 8810. The concern of a few of the blog readers and our clients is there were new classification codes on their premium audits such as Telecommuters.

Picture Of Employees Standard Exception Telecommuter
Wikimediafoundation.org

There are some very specialized rules for Clerical Staff to be considered Telecommuters. The same rules that apply to most employees being reclassified will not fly in this case. I will not go into the rules now. If you see this classification appearing on your audits, this could be a red flag situation.

The reason for my concern is in certain states, the difference between a classification of a clerical employee and a telecommuter can cause up to a 76% increase in your Workers Compensation for those employees. There are reasons that Telecommuters are more expensive classification such as not being supervised in person and the home workspace may not be as safe as in the office.

Man On His Room Standard Exception On Computer
Wikipedia

I do realize that each state has their own rules on Standard Exception Codes and Telecommuters. I did not write this post to discourage having employees that are Telecommuters. I often, as in this case, like to comment to the blog readers what I am hearing from our clients.

There is nothing wrong with questioning your yearly premium audits or your Workers Comp policies. I would not recommend disputing the Telecommuter classification code for the only reason being that it appeared on your Workers Comp audit. If you feel that you need any help, please do consult a non-agent expert to assist your company. An audit dispute can sometimes end up costing more than the original audit or policy.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt 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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