ToughComp Workers Comp Cost Recovery

Many companies are overpaying their workers compensation insurance premiums due to incorrectly used classifications, payroll audits,
calculated experience ratings, misapplied discounts, and errors in experience rating modification factors, often without fault of the insurance
carrier or the insurance broker. If there were errors, the businesses are then entitled to and will receive a refund, but only if the errors are
identified and the recovery is applied for.

By taking an independent look at the Work Comp history of companies we do a non-invasive, independent audit without turning this into a time-
consuming project for our clients. The recovery team will review the information and assist in in the recovery of the overcharges strictly on a
contingency basis (meaning we don’t ask for any money up front for what we do) we recover any premium overcharge dollars from the past. We
recover premium dollars that companies have paid based upon these errors.

This is a two-step process:

First, we correct classifications and payroll allocations, as this can:

Then we correct claims, changes to the experience modification (“ex-mod”) and rating by: