Revisited – Premium Audits and Bathroom Breaks
The question on bathroom breaks and premium audit required a revisit. I have received a large number of responses to the questions that I posed on this post. One of the independent auditors that I have known for quite some time added a comment to that post. I agree with it for the most part.
I think the main concern here is that at what point does one draw the line between “incidental duties” and a part of the job function. There may be other considerations that a premium auditor would take into account. That is why the audit work papers or auditor’s comments are so important. Always request a copy regardless of your premium audit looks to be OK or not.
You can usually ask for them when the premium auditor is at your place of business or by writing the audit department that is listed on your audit report or premium bill. Even if you decide to have a consultant look at the audits for your company, this is a very important piece of information. It can be very difficult to obtain them from a few months or years in the past.
Asking for the work papers within two months after the audit should be good timing.
The one thing to make sure is that the premium auditor understands what every person does in your company – no more, no less. That is why I always recommend fully documented job descriptions for all employees.
Job descriptions can also come in handy when you are trying to return an injured employee to work. They are very tedious to pull together but will save your company $ in the long run.
The injured employee’s treating physician will appreciate having a full job duty listing for a successful return to work.
©J&L Risk Management Inc Copyright Notice