We will go over these one at a time with one question per post.

1. I just had a payroll audit on my Workers Comp. My insurance carrier sent me a huge bill. Do I have to pay the bill? What can I do about it if I think the bill is too high?

Yes, you do have to pay the audit bill unless you dispute it. Your insurance carrier must give you instructions on how to dispute the bill and where to mail/fax the dispute. We very often see an insurance carrier send out a bill without informing the employer that they may dispute the bill, and without providing the correct process to dispute it. Sometimes the insurance carrier will tell you that you only have 10 days to dispute the bill or pay it. You usually have longer than that to dispute the bill depending on the insurance laws of your state.

You must have a reason to dispute the bill. The reason of the bill being too high will only result in damaging the relationship between you, your agent, and your insurance carrier.

One of the main ways for your payroll audit bill being large is that your company and payroll have grown very rapidly. However, do not just think that because you have rapid growth, you should owe a huge payroll audit bill. Never just write a check. Ask questions.

Most of the time we receive a phone call or email is when you have a "gut feeling" there is something wrong with your Workers Comp program. We have found many overcharges when the employer has a gut feeling.

Our main website is www.cutcompcosts.com. Email questions to jmoore@cutcompcosts.com.