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Insurance Mail Heartburn Starts With Workers Compensation


Insurance Mail Heartburn Including Workers Comp Info

The other insurance mail and Workers Comp heartburn  can be fixed with a few internal office adjustments.  Premium audit and other mail from your current or prior insurance carriers can cause you to get out the bottle of antacids. Workers Compensation mail seems to have some of our clients in a bind.

Graphic of Icon Insurance Mail Workers Comp heartburn
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Recently, we had two of our clients misplace or destroy very important mail from their Workers Compensation insurance carrier. One was due to a premium audit dispute. The other involved multiple notices of an upcoming premium audit. The carrier kept rescheduling and then informing the employer by mail. That one turned out to be a disaster.

Most insurance carrier premium auditors or actually any type of insurance personnel will call or email any documents. Some carriers have moved away from phone calls and emails. I think the letters were written as proof of documentation.

Graphic Old Man Insurance Mail Having Heartburn

We just had one last week where the insurance carrier – a state fund – started mailing letters to an address the employer had not accepted mail at for years. The client had a PO Box that was the designated mailing address for many years on all policies and communications.

The new caveat is that some of the insurance carriers will actually turn the balance due from a premium audit to a collection agency. This causes the credit laws of your state to initiate with different time requirements before your company is considered in default and owe the balance regardless of the premium or policy dispute.

Three months ago I had to tell a client they were on the hook for the complete amount as the collection agency had mailed them three different times with the collection due dates on the opposite side of the letter in very small print.

In my post tomorrow, I will cover how to avoid insurance mail heartburn.

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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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