Workers Compensation Insurance Specialists: we protect your hard-earned profits! Call today: 800-508-9126
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Check out this video from Kevin Campbell
From kevin's desk
Workers’ Comp Exemptions for Non-Construction Industry in Florida
01/17/2022
An employer in the non-construction industry, who employs four or more part-time or
full-time employees, must obtain Workers’ Comp coverage in Florida.
Sole proprietors or partners in the non-construction industry are automatically exempt from the law, but can elect to be covered.
Non-construction industry corporate officers may elect to be exempt if:
*The officer is listed as an officer of the corporation in the records of the Florida Department of State, Division of Corporations.
*The corporation is registered and listed as active with the Florida Department of State,
Division of Corporations.
There is no limit to the number of corporate officers who can be exempt and there is no application fee. Non-construction exemptions are valid until a voluntary revocation is filed or the exemption is revoked by the Division.
For copies of the exemption form, go to MyFloridaCFO.com/WC/forms.html and request form DWC-250, Notice of Election to be Exempt.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Workers’ Comp Exemptions Information for Construction Industry in Florida
01/10/2022
An employer in the construction industry employing one or more part-time or full-time employees, including the owner, must obtain Workers’ Comp coverage in Florida.
Corporate officers or members of an LLC in the construction industry may elect to be exempt if:
*The officer owns at least 10% of the stock in the corporation, or in the case of an LLC, a statement attesting to the minimum 10% ownership.
*The officer is listed as an official officer of the corporation in the records of the Florida Department of State, Division of Corporations.
*The corporation is registered and listed as active with the Florida Department of State, Division of Corporations.
No more than 3 corporate officers per corporation or LLC member are allowed to be exempt. A $50 fee is required for each application submitted to obtain an exemption. Construction exemptions are valid for two years or until a voluntary revocation is filed or the exemption is revoked by the Division.
For copies of the exemption form, contact the Divisions Bureau of Compliance
at (850) 413-1609 or go to MyFloridaCFO.com/WC/forms.html and click on rule 69L-6
and form number DWC-250, Notice of election to be Exempt.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Rates Drop for 5th Year
11/15/21
Good news from Tallahassee announces Workers’ Comp rates will drop for the 5th consecutive year.
The average decrease will be 4.9% across all classifications beginning January 1, 2022.
Actual rate changes vary by class code and apply at renewal dates for employers.
Commissioner Altmaier announced the rate decrease stating ‘Safer workplaces, innovative techniques, and improved risk management practices have resulted in the continued decline in Workers’ Compensation claims, ultimately benefiting Florida business’.
Kevin Campbell, CEO of Work Comp Specialists, stated ‘This is even more good news for business owners. Now, if we can only get more people to return to the workplace’.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Artificial Intelligence comes to Workers’ Comp
11/18/21
The CEO of Microsoft recently said ‘Artificial Intelligence will become the runtime of everything we do’ in the future. We are experiencing this fact on a daily basis. Now, AI has come to Workers’Comp claims management.
Just as algorithms and analytics determine risk acceptance in underwriting decisions by carriers, automating Workers’ Comp claims delivers much better outcomes for all parties.
AI can file the Notice of First Injury and accurately calculate the 13 week average weekly wage, preventing unnecessary litigation. That’s huge. Injured employees are educated on the claims process by text message and reminded of each medical appointment. Three appointments missed, and benefits are suspended. The AI system will even send the certified mail letters offering return to work to employees that are in the claims process.
Faster and more efficient medical treatment is delivered by speeding up the process between medical providers and adjusters. AI utilizes medical analytics to roadmap the medical treatment for injured employees- avoiding delays and wasteful testing for diagnosis.
For 30 years of managing Workers’ Comp claims in the traditional manner, this AI system is a game-changer. Our specialty Workers’ Comp agency provides this AI system to claims. Our goal in business is to protect your checkbook! Plain and simple. Call us to help you succeed in business.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Comp Correct
11/13/21:
Let’s face it. Your Workers’ Comp carrier holds your checkbook when it comes to managing your claims. Not only is your experience mod factor at stake, your safety reward, too. In most jeopardy is your dollar-for-dollar claim reimbursement to your carrier.
Most of the times, legitimate Workers’ Comp claims seldom raise a flag. Fraudulent claims hit a nerve when employers are footing the bill. That’s where CompCorrect comes to your rescue.
CompCorrect is an Artificial Intelligence driven system that automates each Workers’ Comp claim procedure and produces a better outcome for your injured employee while protecting an employers checkbook. Our system automatically completes your First Notice of Injury along with a 13-week wage statement for you. We prevent common errors leading to unnecessary litigation. On day one, your injured employee receives written explanation of clearly what to expect during the CompCorrect claim process. In return, we receive medical release documents and AI searches for prior injuries and all medical history.
The AI program retrieves initial medical diagnosis the same day as treatment and roadmaps the treatment plan based on AI driven outcomes. Our accurate claims forecast is much faster than traditional claims methods.
An employer can pay 80% of average weekly wages (instead of only 66% paid by the carrier) beginning on the day of injury. This action delivers two important outcomes. First, your injured employee is comforted by not waiting 14 days for a paycheck from the carrier.
Secondly, the employer prevents a lost time claim on your experience mod factor for three future years.
CompCorrect will coordinate medical appointments, reminds the employee to attend by text message, and retrieves the medical treatment reports immediately. The outcome is much faster medical treatment and return to work fully recovered. If necessary, certified return-to-work letters are sent by the automated AI program. The average time span of a claim is reduced from 21 days to 9 days. Look at time and money savings for all parties.
Your employee is treated fairly. Your future premium costs are lower due to smart claims outcomes. Finally, AI improves the traditional system for you.
Please consider jumping on the phone with us to answer your questions.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Who is required to buy Workers’ Comp in Florida?
10/18/21:
Any employer with more than three full or part-time employees must carry Workers’ Comp insurance in Florida. If you are in the construction industry and hire just one employee, coverage is required.
Any building or construction, new or remodeling, is considered in the construction trade. Also, any improvement of land is considered construction trade.
If, in fact, there is a true contractor/subcontractor relationship, the employees of the subcontractor are considered statutory employees of the general contractor. The general contractor must provide Workers’ Comp coverage for those individuals. The only exception is if the subcontractor purchases Workman’s Comp for those employees. A valid certificate of insurance should be provided by the subcontractor.
For 30 years, Work Comp Specialists has specialized in placing over $300 million in Workers’ Comp premiums in Florida. Put your money on us to help you out!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Important facts about Workers’ Comp Claims in Florida
10/04/21:
1. When is a claim determined to be compensable under Florida Workers’ Comp? Florida is considered a ‘premises state’ instead of an ‘on the clock state’. Let me explain the difference. Just because an employee is injured while on the clock, doesn’t mean it’s a compensable claim. Conducting a personal errand would prevent most injuries from being covered. The ‘premises state’ would extend coverage to an employee picking up lunch for other employees or collecting company mail from the post office. So, the premises can be extended beyond the work site in Florida.
2. Florida Workers’ Comp statutes have a ‘Going and Coming rule’ that affects claims determination. An employee coming to or leaving from the work site and becoming injured is not compensable. However, if an employee is provided a company vehicle, and is injured on the way to a service call, this situation would be covered. These unique situations are
based on specific facts of the case.
3. Florida Workers’ Comp litigation occurs when an employee is out of work and usually not happy with the medical treatment plan or reduced pay. Here are four excellent techniques to mitigate litigation. First, a medical canvas of the injured employee could discover a previous injury. Secondly, a claims index search could discover a pattern of reporting claims. Third, a robust social media search might provide clues to the extent of the injury.
Fourth, a formal deposition by your carriers’ attorney always uncovers important facts on the record.
Our philosophy is let’s pay worthy legitimate claims. Let’s deny the fraudulent claims. And let’s do our homework on the Workers’ Comp claims in between!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Deep dive into Workers' Comp Claims
10/04/21:
Here are some important facts about Workers’ Comp claims.
1. An injured employee has 30 days to report an injury including the manifestation of that injury (slipped and fell but okay for now situation). Florida statute 440.185 (1) describes this requirement. It’s worth researching before this situation arises.
2. There is a ‘self-help’ provision in the law. This means the Workers’ Comp carrier chooses the medical provides to render treatment to an injured employee. This allows the carrier to control the treatment, instead of the injured employee treating with their personal physician.
3. When a claim is carrier/adjuster has three choices. Pay it, deny it, or Pay and Investigate
(also known as the 120-day rule). This option allows the carrier to deny the claim up to 120 days. After then, the claim cannot be denied.
4. If an employee is injured and declines to file a claim (usually to avoid a drug test) make sure to secure a medical declination form signed by the employee.
5. If an employer chooses to pay 80% of the injured employees average weekly wage instead of Workers’ Comp benefits for a TTD claim, make sure to factor in taxes will be deducted from those wages.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Covid and Workers’ Comp explained
09/17/21:
At the beginning of Covid-19 last year, several questions arose about how Workers’ Comp came into play. Today, we explain more about the Covid effect in the system.
First, Covid claims were reported as work-related from infected employees to Florida carriers. Many claims were denied as not compensable to the employee. The foundation for denial was the Covid infection did not occur in the course of employment. More specifically, an employee with the illness could not prove it was contracted at work. It could have occurred away from work, and thereby not considered a work-related illness.
However, several instances of claims were covered if the Covid was caused ‘from the course of employment’. In cases of medical providers contracting the illness by providing care to infected patients, most Florida carriers interpreted this exposure as ‘in the course of employment’ and covered this claim.
Lastly, Florida carriers allowed a special class code 0012 for furloughed payroll by employers and did not charge any premium for that particular amount of payroll under Workers’ Comp. We have one client that received a credit over $25,000 because we discovered this technique. Call us to learn how you can, too! Stay safe.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Post-Employment Comp History
Please use our post-employment Workers’ Comp history check when hiring new employees. We will help you prevent keeping a known claims artist in your company and costing you a fraudulent claim.
Our agency is here to save your hard earned profits and will help you guard against suspicious claims. This is how we earn your business
Understanding Premium Credits
To qualify for this credit, your business must have a written, state certified workplace safety program, assign a dedicated "Safety Coordinator", and form a four-person safety committee that agrees to meet at least quarterly to talk about safety in the workplace.
Contact us to help you and see if you can qualify for a 2% credit
Call: 800-508-9126
Rely on Outside Expertise
Get Help with Your Annual Audit.
An audit is done at the expiration of your policy period to verify your actual payroll information against estimate you made for the year. The audit results will determine if you owe additional premium or are due a refund for overpayment.
Work Comp Specialists take the pain out of audits by providing you with a list of information and items you'll need for the audit. We review this documentation with you to ensure there are no errors. We have a proven track record in disputing incorrect audits and recovering premium dollars.
Relationships Matter. Ask for Help to Manage Workers' Comp Claims.
Like most insurance, you never really know what workers' compensation coverage is worth until you have a claim. The first 30 days (after a workplace accident or injury occurs) are critical in determining how a claim will proceed and how much will be paid out.
At Work Comp Specialists we have dedicated experts that continually monitor your claims to minimize their impact on your loss experience. This helps to keep your premium as low as possible.
Plan Your "Back to Work / Light Duty" Program.
When you do have an employee out on workers' comp, the treating physician will determine when he or she is able to return, and in what capacity. "Light duty" restrictions must be followed. Having an effective “light duty" policy with pre-determined job functions can lead to lower workers' compensation costs.
Two reasons to let Work Comp Specialists help you define your light duty program.
1. Claims classified as "medical only" do not add indemnity or lost time benefit costs
and can reduce premiums by as much as 70% when factored into your NCCI Experience MOD calculation.
2. Light duty/return-to-work positions help employees feel like valued members of
your company. And that goodwill has an impact on ALL your employees. Employees who return for light duty are paid at 80% of their pre-injury average weekly wage. Having pre-determined job roles create more savings for you.
It's All about Your Experience.
Each year your insurer is required to submit your claims and payroll data to the National Council on Compensation Insurance (NCCI).
In Florida, rates are filed by the NCCI in the fall of the year. The filing comes from the Florida Department of Insurance where any changes are made and rates are finalized to be effective on January 1st of the next year.
From kevin's desk
Florida Workers’ Comp All Star adjuster never gives up on claims….
01/24/2022
Adjusters will often perform a background check on a new Workers’ Comp claim and stop there. That’s a mistake.
We introduce the ISO sweep to fully investigate claims. This is a large database of electronically filed claim information from carriers and third-party administrators. Many claims go on for years, and running an ISO sweep regularly might catch new information tangible to your case.
Learn to understand description of injuries in these reports. Some reports list
a ‘Strain’ as the injury, when in fact it could be a 2-level Spinal fusion. This claim has developed into a monster expense.
Also, if your claim is litigated, subpoena every document possible. You might discover your claimant discussed their ‘Bilateral knee pain of unknown origin’ five years ago with their primary physician.
Our lesson is simple - just keep sweeping.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Workers’ Comp Exemptions Information for Construction Industry in Florida
01/10/2022
An employer in the construction industry employing one or more part-time or full-time employees, including the owner, must obtain Workers’ Comp coverage in Florida.
Corporate officers or members of an LLC in the construction industry may elect to be exempt if:
*The officer owns at least 10% of the stock in the corporation, or in the case of an LLC, a statement attesting to the minimum 10% ownership.
*The officer is listed as an official officer of the corporation in the records of the Florida Department of State, Division of Corporations.
*The corporation is registered and listed as active with the Florida Department of State, Division of Corporations.
No more than 3 corporate officers per corporation or LLC member are allowed to be exempt. A $50 fee is required for each application submitted to obtain an exemption. Construction exemptions are valid for two years or until a voluntary revocation is filed or the exemption is revoked by the Division.
For copies of the exemption form, contact the Divisions Bureau of Compliance
at (850) 413-1609 or go to MyFloridaCFO.com/WC/forms.html and click on rule 69L-6
and form number DWC-250, Notice of election to be Exempt.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Rates Drop for 5th Year
11/15/21
Good news from Tallahassee announces Workers’ Comp rates will drop for the 5th consecutive year.
The average decrease will be 4.9% across all classifications beginning January 1, 2022.
Actual rate changes vary by class code and apply at renewal dates for employers.
Commissioner Altmaier announced the rate decrease stating ‘Safer workplaces, innovative techniques, and improved risk management practices have resulted in the continued decline in Workers’ Compensation claims, ultimately benefiting Florida business’.
Kevin Campbell, CEO of Work Comp Specialists, stated ‘This is even more good news for business owners. Now, if we can only get more people to return to the workplace’.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Artificial Intelligence comes to Workers’ Comp
11/18/21
The CEO of Microsoft recently said ‘Artificial Intelligence will become the runtime of everything we do’ in the future. We are experiencing this fact on a daily basis. Now, AI has come to Workers’Comp claims management.
Just as algorithms and analytics determine risk acceptance in underwriting decisions by carriers, automating Workers’ Comp claims delivers much better outcomes for all parties.
AI can file the Notice of First Injury and accurately calculate the 13 week average weekly wage, preventing unnecessary litigation. That’s huge. Injured employees are educated on the claims process by text message and reminded of each medical appointment. Three appointments missed, and benefits are suspended. The AI system will even send the certified mail letters offering return to work to employees that are in the claims process.
Faster and more efficient medical treatment is delivered by speeding up the process between medical providers and adjusters. AI utilizes medical analytics to roadmap the medical treatment for injured employees- avoiding delays and wasteful testing for diagnosis.
For 30 years of managing Workers’ Comp claims in the traditional manner, this AI system is a game-changer. Our specialty Workers’ Comp agency provides this AI system to claims. Our goal in business is to protect your checkbook! Plain and simple. Call us to help you succeed in business.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Comp Correct
11/13/21:
Let’s face it. Your Workers’ Comp carrier holds your checkbook when it comes to managing your claims. Not only is your experience mod factor at stake, your safety reward, too. In most jeopardy is your dollar-for-dollar claim reimbursement to your carrier.
Most of the times, legitimate Workers’ Comp claims seldom raise a flag. Fraudulent claims hit a nerve when employers are footing the bill. That’s where CompCorrect comes to your rescue.
CompCorrect is an Artificial Intelligence driven system that automates each Workers’ Comp claim procedure and produces a better outcome for your injured employee while protecting an employers checkbook. Our system automatically completes your First Notice of Injury along with a 13-week wage statement for you. We prevent common errors leading to unnecessary litigation. On day one, your injured employee receives written explanation of clearly what to expect during the CompCorrect claim process. In return, we receive medical release documents and AI searches for prior injuries and all medical history.
The AI program retrieves initial medical diagnosis the same day as treatment and roadmaps the treatment plan based on AI driven outcomes. Our accurate claims forecast is much faster than traditional claims methods.
An employer can pay 80% of average weekly wages (instead of only 66% paid by the carrier) beginning on the day of injury. This action delivers two important outcomes. First, your injured employee is comforted by not waiting 14 days for a paycheck from the carrier.
Secondly, the employer prevents a lost time claim on your experience mod factor for three future years.
CompCorrect will coordinate medical appointments, reminds the employee to attend by text message, and retrieves the medical treatment reports immediately. The outcome is much faster medical treatment and return to work fully recovered. If necessary, certified return-to-work letters are sent by the automated AI program. The average time span of a claim is reduced from 21 days to 9 days. Look at time and money savings for all parties.
Your employee is treated fairly. Your future premium costs are lower due to smart claims outcomes. Finally, AI improves the traditional system for you.
Please consider jumping on the phone with us to answer your questions.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Who is required to buy Workers’ Comp in Florida?
10/18/21:
Any employer with more than three full or part-time employees must carry Workers’ Comp insurance in Florida. If you are in the construction industry and hire just one employee, coverage is required.
Any building or construction, new or remodeling, is considered in the construction trade. Also, any improvement of land is considered construction trade.
If, in fact, there is a true contractor/subcontractor relationship, the employees of the subcontractor are considered statutory employees of the general contractor. The general contractor must provide Workers’ Comp coverage for those individuals. The only exception is if the subcontractor purchases Workman’s Comp for those employees. A valid certificate of insurance should be provided by the subcontractor.
For 30 years, Work Comp Specialists has specialized in placing over $300 million in Workers’ Comp premiums in Florida. Put your money on us to help you out!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Important facts about Workers’ Comp Claims in Florida
10/04/21:
1. When is a claim determined to be compensable under Florida Workers’ Comp? Florida is considered a ‘premises state’ instead of an ‘on the clock state’. Let me explain the difference. Just because an employee is injured while on the clock, doesn’t mean it’s a compensable claim. Conducting a personal errand would prevent most injuries from being covered. The ‘premises state’ would extend coverage to an employee picking up lunch for other employees or collecting company mail from the post office. So, the premises can be extended beyond the work site in Florida.
2. Florida Workers’ Comp statutes have a ‘Going and Coming rule’ that affects claims determination. An employee coming to or leaving from the work site and becoming injured is not compensable. However, if an employee is provided a company vehicle, and is injured on the way to a service call, this situation would be covered. These unique situations are
based on specific facts of the case.
3. Florida Workers’ Comp litigation occurs when an employee is out of work and usually not happy with the medical treatment plan or reduced pay. Here are four excellent techniques to mitigate litigation. First, a medical canvas of the injured employee could discover a previous injury. Secondly, a claims index search could discover a pattern of reporting claims. Third, a robust social media search might provide clues to the extent of the injury.
Fourth, a formal deposition by your carriers’ attorney always uncovers important facts on the record.
Our philosophy is let’s pay worthy legitimate claims. Let’s deny the fraudulent claims. And let’s do our homework on the Workers’ Comp claims in between!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Deep dive into Workers' Comp Claims
10/04/21:
Here are some important facts about Workers’ Comp claims.
1. An injured employee has 30 days to report an injury including the manifestation of that injury (slipped and fell but okay for now situation). Florida statute 440.185 (1) describes this requirement. It’s worth researching before this situation arises.
2. There is a ‘self-help’ provision in the law. This means the Workers’ Comp carrier chooses the medical provides to render treatment to an injured employee. This allows the carrier to control the treatment, instead of the injured employee treating with their personal physician.
3. When a claim is carrier/adjuster has three choices. Pay it, deny it, or Pay and Investigate
(also known as the 120-day rule). This option allows the carrier to deny the claim up to 120 days. After then, the claim cannot be denied.
4. If an employee is injured and declines to file a claim (usually to avoid a drug test) make sure to secure a medical declination form signed by the employee.
5. If an employer chooses to pay 80% of the injured employees average weekly wage instead of Workers’ Comp benefits for a TTD claim, make sure to factor in taxes will be deducted from those wages.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Covid and Workers’ Comp explained
09/17/21:
At the beginning of Covid-19 last year, several questions arose about how Workers’ Comp came into play. Today, we explain more about the Covid effect in the system.
First, Covid claims were reported as work-related from infected employees to Florida carriers. Many claims were denied as not compensable to the employee. The foundation for denial was the Covid infection did not occur in the course of employment. More specifically, an employee with the illness could not prove it was contracted at work. It could have occurred away from work, and thereby not considered a work-related illness.
However, several instances of claims were covered if the Covid was caused ‘from the course of employment’. In cases of medical providers contracting the illness by providing care to infected patients, most Florida carriers interpreted this exposure as ‘in the course of employment’ and covered this claim.
Lastly, Florida carriers allowed a special class code 0012 for furloughed payroll by employers and did not charge any premium for that particular amount of payroll under Workers’ Comp. We have one client that received a credit over $25,000 because we discovered this technique. Call us to learn how you can, too! Stay safe.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Post-Employment Comp History
Please use our post-employment Workers’ Comp history check when hiring new employees. We will help you prevent keeping a known claims artist in your company and costing you a fraudulent claim.
Our agency is here to save your hard earned profits and will help you guard against suspicious claims. This is how we earn your business
Understanding Premium Credits
To qualify for this credit, your business must have a written, state certified workplace safety program, assign a dedicated "Safety Coordinator", and form a four-person safety committee that agrees to meet at least quarterly to talk about safety in the workplace.
Contact us to help you and see if you can qualify for a 2% credit
Call: 800-508-9126
Rely on Outside Expertise
Get Help with Your Annual Audit.
An audit is done at the expiration of your policy period to verify your actual payroll information against estimate you made for the year. The audit results will determine if you owe additional premium or are due a refund for overpayment.
Work Comp Specialists take the pain out of audits by providing you with a list of information and items you'll need for the audit. We review this documentation with you to ensure there are no errors. We have a proven track record in disputing incorrect audits and recovering premium dollars.
Relationships Matter. Ask for Help to Manage Workers' Comp Claims.
Like most insurance, you never really know what workers' compensation coverage is worth until you have a claim. The first 30 days (after a workplace accident or injury occurs) are critical in determining how a claim will proceed and how much will be paid out.
At Work Comp Specialists we have dedicated experts that continually monitor your claims to minimize their impact on your loss experience. This helps to keep your premium as low as possible.
Plan Your "Back to Work / Light Duty" Program.
When you do have an employee out on workers' comp, the treating physician will determine when he or she is able to return, and in what capacity. "Light duty" restrictions must be followed. Having an effective “light duty" policy with pre-determined job functions can lead to lower workers' compensation costs.
Two reasons to let Work Comp Specialists help you define your light duty program.
1. Claims classified as "medical only" do not add indemnity or lost time benefit costs
and can reduce premiums by as much as 70% when factored into your NCCI Experience MOD calculation.
2. Light duty/return-to-work positions help employees feel like valued members of
your company. And that goodwill has an impact on ALL your employees. Employees who return for light duty are paid at 80% of their pre-injury average weekly wage. Having pre-determined job roles create more savings for you.
It's All about Your Experience.
Each year your insurer is required to submit your claims and payroll data to the National Council on Compensation Insurance (NCCI).
In Florida, rates are filed by the NCCI in the fall of the year. The filing comes from the Florida Department of Insurance where any changes are made and rates are finalized to be effective on January 1st of the next year.
From kevin's desk
Workers’ Comp Exemptions Information for Construction Industry in Florida
01/10/2022
An employer in the construction industry employing one or more part-time or full-time employees, including the owner, must obtain Workers’ Comp coverage in Florida.
Corporate officers or members of an LLC in the construction industry may elect to be exempt if:
*The officer owns at least 10% of the stock in the corporation, or in the case of an LLC, a statement attesting to the minimum 10% ownership.
*The officer is listed as an official officer of the corporation in the records of the Florida Department of State, Division of Corporations.
*The corporation is registered and listed as active with the Florida Department of State, Division of Corporations.
No more than 3 corporate officers per corporation or LLC member are allowed to be exempt. A $50 fee is required for each application submitted to obtain an exemption. Construction exemptions are valid for two years or until a voluntary revocation is filed or the exemption is revoked by the Division.
For copies of the exemption form, contact the Divisions Bureau of Compliance
at (850) 413-1609 or go to MyFloridaCFO.com/WC/forms.html and click on rule 69L-6
and form number DWC-250, Notice of election to be Exempt.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Rates Drop for 5th Year
11/15/21
Good news from Tallahassee announces Workers’ Comp rates will drop for the 5th consecutive year.
The average decrease will be 4.9% across all classifications beginning January 1, 2022.
Actual rate changes vary by class code and apply at renewal dates for employers.
Commissioner Altmaier announced the rate decrease stating ‘Safer workplaces, innovative techniques, and improved risk management practices have resulted in the continued decline in Workers’ Compensation claims, ultimately benefiting Florida business’.
Kevin Campbell, CEO of Work Comp Specialists, stated ‘This is even more good news for business owners. Now, if we can only get more people to return to the workplace’.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Artificial Intelligence comes to Workers’ Comp
11/18/21
The CEO of Microsoft recently said ‘Artificial Intelligence will become the runtime of everything we do’ in the future. We are experiencing this fact on a daily basis. Now, AI has come to Workers’Comp claims management.
Just as algorithms and analytics determine risk acceptance in underwriting decisions by carriers, automating Workers’ Comp claims delivers much better outcomes for all parties.
AI can file the Notice of First Injury and accurately calculate the 13 week average weekly wage, preventing unnecessary litigation. That’s huge. Injured employees are educated on the claims process by text message and reminded of each medical appointment. Three appointments missed, and benefits are suspended. The AI system will even send the certified mail letters offering return to work to employees that are in the claims process.
Faster and more efficient medical treatment is delivered by speeding up the process between medical providers and adjusters. AI utilizes medical analytics to roadmap the medical treatment for injured employees- avoiding delays and wasteful testing for diagnosis.
For 30 years of managing Workers’ Comp claims in the traditional manner, this AI system is a game-changer. Our specialty Workers’ Comp agency provides this AI system to claims. Our goal in business is to protect your checkbook! Plain and simple. Call us to help you succeed in business.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Comp Correct
11/13/21:
Let’s face it. Your Workers’ Comp carrier holds your checkbook when it comes to managing your claims. Not only is your experience mod factor at stake, your safety reward, too. In most jeopardy is your dollar-for-dollar claim reimbursement to your carrier.
Most of the times, legitimate Workers’ Comp claims seldom raise a flag. Fraudulent claims hit a nerve when employers are footing the bill. That’s where CompCorrect comes to your rescue.
CompCorrect is an Artificial Intelligence driven system that automates each Workers’ Comp claim procedure and produces a better outcome for your injured employee while protecting an employers checkbook. Our system automatically completes your First Notice of Injury along with a 13-week wage statement for you. We prevent common errors leading to unnecessary litigation. On day one, your injured employee receives written explanation of clearly what to expect during the CompCorrect claim process. In return, we receive medical release documents and AI searches for prior injuries and all medical history.
The AI program retrieves initial medical diagnosis the same day as treatment and roadmaps the treatment plan based on AI driven outcomes. Our accurate claims forecast is much faster than traditional claims methods.
An employer can pay 80% of average weekly wages (instead of only 66% paid by the carrier) beginning on the day of injury. This action delivers two important outcomes. First, your injured employee is comforted by not waiting 14 days for a paycheck from the carrier.
Secondly, the employer prevents a lost time claim on your experience mod factor for three future years.
CompCorrect will coordinate medical appointments, reminds the employee to attend by text message, and retrieves the medical treatment reports immediately. The outcome is much faster medical treatment and return to work fully recovered. If necessary, certified return-to-work letters are sent by the automated AI program. The average time span of a claim is reduced from 21 days to 9 days. Look at time and money savings for all parties.
Your employee is treated fairly. Your future premium costs are lower due to smart claims outcomes. Finally, AI improves the traditional system for you.
Please consider jumping on the phone with us to answer your questions.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Who is required to buy Workers’ Comp in Florida?
10/18/21:
Any employer with more than three full or part-time employees must carry Workers’ Comp insurance in Florida. If you are in the construction industry and hire just one employee, coverage is required.
Any building or construction, new or remodeling, is considered in the construction trade. Also, any improvement of land is considered construction trade.
If, in fact, there is a true contractor/subcontractor relationship, the employees of the subcontractor are considered statutory employees of the general contractor. The general contractor must provide Workers’ Comp coverage for those individuals. The only exception is if the subcontractor purchases Workman’s Comp for those employees. A valid certificate of insurance should be provided by the subcontractor.
For 30 years, Work Comp Specialists has specialized in placing over $300 million in Workers’ Comp premiums in Florida. Put your money on us to help you out!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Important facts about Workers’ Comp Claims in Florida
10/04/21:
1. When is a claim determined to be compensable under Florida Workers’ Comp? Florida is considered a ‘premises state’ instead of an ‘on the clock state’. Let me explain the difference. Just because an employee is injured while on the clock, doesn’t mean it’s a compensable claim. Conducting a personal errand would prevent most injuries from being covered. The ‘premises state’ would extend coverage to an employee picking up lunch for other employees or collecting company mail from the post office. So, the premises can be extended beyond the work site in Florida.
2. Florida Workers’ Comp statutes have a ‘Going and Coming rule’ that affects claims determination. An employee coming to or leaving from the work site and becoming injured is not compensable. However, if an employee is provided a company vehicle, and is injured on the way to a service call, this situation would be covered. These unique situations are
based on specific facts of the case.
3. Florida Workers’ Comp litigation occurs when an employee is out of work and usually not happy with the medical treatment plan or reduced pay. Here are four excellent techniques to mitigate litigation. First, a medical canvas of the injured employee could discover a previous injury. Secondly, a claims index search could discover a pattern of reporting claims. Third, a robust social media search might provide clues to the extent of the injury.
Fourth, a formal deposition by your carriers’ attorney always uncovers important facts on the record.
Our philosophy is let’s pay worthy legitimate claims. Let’s deny the fraudulent claims. And let’s do our homework on the Workers’ Comp claims in between!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Deep dive into Workers' Comp Claims
10/04/21:
Here are some important facts about Workers’ Comp claims.
1. An injured employee has 30 days to report an injury including the manifestation of that injury (slipped and fell but okay for now situation). Florida statute 440.185 (1) describes this requirement. It’s worth researching before this situation arises.
2. There is a ‘self-help’ provision in the law. This means the Workers’ Comp carrier chooses the medical provides to render treatment to an injured employee. This allows the carrier to control the treatment, instead of the injured employee treating with their personal physician.
3. When a claim is carrier/adjuster has three choices. Pay it, deny it, or Pay and Investigate
(also known as the 120-day rule). This option allows the carrier to deny the claim up to 120 days. After then, the claim cannot be denied.
4. If an employee is injured and declines to file a claim (usually to avoid a drug test) make sure to secure a medical declination form signed by the employee.
5. If an employer chooses to pay 80% of the injured employees average weekly wage instead of Workers’ Comp benefits for a TTD claim, make sure to factor in taxes will be deducted from those wages.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Covid and Workers’ Comp explained
09/17/21:
At the beginning of Covid-19 last year, several questions arose about how Workers’ Comp came into play. Today, we explain more about the Covid effect in the system.
First, Covid claims were reported as work-related from infected employees to Florida carriers. Many claims were denied as not compensable to the employee. The foundation for denial was the Covid infection did not occur in the course of employment. More specifically, an employee with the illness could not prove it was contracted at work. It could have occurred away from work, and thereby not considered a work-related illness.
However, several instances of claims were covered if the Covid was caused ‘from the course of employment’. In cases of medical providers contracting the illness by providing care to infected patients, most Florida carriers interpreted this exposure as ‘in the course of employment’ and covered this claim.
Lastly, Florida carriers allowed a special class code 0012 for furloughed payroll by employers and did not charge any premium for that particular amount of payroll under Workers’ Comp. We have one client that received a credit over $25,000 because we discovered this technique. Call us to learn how you can, too! Stay safe.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Post-Employment Comp History
Please use our post-employment Workers’ Comp history check when hiring new employees. We will help you prevent keeping a known claims artist in your company and costing you a fraudulent claim.
Our agency is here to save your hard earned profits and will help you guard against suspicious claims. This is how we earn your business
Understanding Premium Credits
To qualify for this credit, your business must have a written, state certified workplace safety program, assign a dedicated "Safety Coordinator", and form a four-person safety committee that agrees to meet at least quarterly to talk about safety in the workplace.
Contact us to help you and see if you can qualify for a 2% credit
Call: 800-508-9126
Florida Workers’ Comp All Star adjuster never gives up on claims….
01/24/2022
Adjusters will often perform a background check on a new Workers’ Comp claim and stop there. That’s a mistake.
We introduce the ISO sweep to fully investigate claims. This is a large database of electronically filed claim information from carriers and third-party administrators. Many claims go on for years, and running an ISO sweep regularly might catch new information tangible to your case.
Learn to understand description of injuries in these reports. Some reports list
a ‘Strain’ as the injury, when in fact it could be a 2-level Spinal fusion. This claim has developed into a monster expense.
Also, if your claim is litigated, subpoena every document possible. You might discover your claimant discussed their ‘Bilateral knee pain of unknown origin’ five years ago with their primary physician.
Our lesson is simple - just keep sweeping.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Rely on Outside Expertise
Get Help with Your Annual Audit.
An audit is done at the expiration of your policy period to verify your actual payroll information against estimate you made for the year. The audit results will determine if you owe additional premium or are due a refund for overpayment.
Work Comp Specialists take the pain out of audits by providing you with a list of information and items you'll need for the audit. We review this documentation with you to ensure there are no errors. We have a proven track record in disputing incorrect audits and recovering premium dollars.
Relationships Matter. Ask for Help to Manage Workers' Comp Claims.
Like most insurance, you never really know what workers' compensation coverage is worth until you have a claim. The first 30 days (after a workplace accident or injury occurs) are critical in determining how a claim will proceed and how much will be paid out.
At Work Comp Specialists we have dedicated experts that continually monitor your claims to minimize their impact on your loss experience. This helps to keep your premium as low as possible.
Plan Your "Back to Work / Light Duty" Program.
When you do have an employee out on workers' comp, the treating physician will determine when he or she is able to return, and in what capacity. "Light duty" restrictions must be followed. Having an effective “light duty" policy with pre-determined job functions can lead to lower workers' compensation costs.
Two reasons to let Work Comp Specialists help you define your light duty program.
1. Claims classified as "medical only" do not add indemnity or lost time benefit costs
and can reduce premiums by as much as 70% when factored into your NCCI Experience MOD calculation.
2. Light duty/return-to-work positions help employees feel like valued members of
your company. And that goodwill has an impact on ALL your employees. Employees who return for light duty are paid at 80% of their pre-injury average weekly wage. Having pre-determined job roles create more savings for you.
It's All about Your Experience.
Each year your insurer is required to submit your claims and payroll data to the National Council on Compensation Insurance (NCCI).
In Florida, rates are filed by the NCCI in the fall of the year. The filing comes from the Florida Department of Insurance where any changes are made and rates are finalized to be effective on January 1st of the next year.
From kevin's desk
Florida Workers’ Comp All Star adjuster never gives up on claims….
Adjusters will often perform a background check on a new Workers’ Comp claim and stop there. That’s a mistake.
We introduce the ISO sweep to fully investigate claims. This is a large database of electronically filed claim information from carriers and third-party administrators. Many claims go on for years, and running an ISO sweep regularly might catch new information tangible to your case.
Learn to understand description of injuries in these reports. Some reports list
a ‘Strain’ as the injury, when in fact it could be a 2-level Spinal fusion. This claim has developed into a monster expense.
Also, if your claim is litigated, subpoena every document possible. You might discover your claimant discussed their ‘Bilateral knee pain of unknown origin’ five years ago with their primary physician.
Our lesson is simple - just keep sweeping.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Rates Drop for 5th Year
11/15/21
Good news from Tallahassee announces Workers’ Comp rates will drop for the 5th consecutive year.
The average decrease will be 4.9% across all classifications beginning January 1, 2022.
Actual rate changes vary by class code and apply at renewal dates for employers.
Commissioner Altmaier announced the rate decrease stating ‘Safer workplaces, innovative techniques, and improved risk management practices have resulted in the continued decline in Workers’ Compensation claims, ultimately benefiting Florida business’.
Kevin Campbell, CEO of Work Comp Specialists, stated ‘This is even more good news for business owners. Now, if we can only get more people to return to the workplace’.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Artificial Intelligence comes to Workers’ Comp
11/18/21
The CEO of Microsoft recently said ‘Artificial Intelligence will become the runtime of everything we do’ in the future. We are experiencing this fact on a daily basis. Now, AI has come to Workers’Comp claims management.
Just as algorithms and analytics determine risk acceptance in underwriting decisions by carriers, automating Workers’ Comp claims delivers much better outcomes for all parties.
AI can file the Notice of First Injury and accurately calculate the 13 week average weekly wage, preventing unnecessary litigation. That’s huge. Injured employees are educated on the claims process by text message and reminded of each medical appointment. Three appointments missed, and benefits are suspended. The AI system will even send the certified mail letters offering return to work to employees that are in the claims process.
Faster and more efficient medical treatment is delivered by speeding up the process between medical providers and adjusters. AI utilizes medical analytics to roadmap the medical treatment for injured employees- avoiding delays and wasteful testing for diagnosis.
For 30 years of managing Workers’ Comp claims in the traditional manner, this AI system is a game-changer. Our specialty Workers’ Comp agency provides this AI system to claims. Our goal in business is to protect your checkbook! Plain and simple. Call us to help you succeed in business.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Comp Correct
11/13/21:
Let’s face it. Your Workers’ Comp carrier holds your checkbook when it comes to managing your claims. Not only is your experience mod factor at stake, your safety reward, too. In most jeopardy is your dollar-for-dollar claim reimbursement to your carrier.
Most of the times, legitimate Workers’ Comp claims seldom raise a flag. Fraudulent claims hit a nerve when employers are footing the bill. That’s where CompCorrect comes to your rescue.
CompCorrect is an Artificial Intelligence driven system that automates each Workers’ Comp claim procedure and produces a better outcome for your injured employee while protecting an employers checkbook. Our system automatically completes your First Notice of Injury along with a 13-week wage statement for you. We prevent common errors leading to unnecessary litigation. On day one, your injured employee receives written explanation of clearly what to expect during the CompCorrect claim process. In return, we receive medical release documents and AI searches for prior injuries and all medical history.
The AI program retrieves initial medical diagnosis the same day as treatment and roadmaps the treatment plan based on AI driven outcomes. Our accurate claims forecast is much faster than traditional claims methods.
An employer can pay 80% of average weekly wages (instead of only 66% paid by the carrier) beginning on the day of injury. This action delivers two important outcomes. First, your injured employee is comforted by not waiting 14 days for a paycheck from the carrier.
Secondly, the employer prevents a lost time claim on your experience mod factor for three future years.
CompCorrect will coordinate medical appointments, reminds the employee to attend by text message, and retrieves the medical treatment reports immediately. The outcome is much faster medical treatment and return to work fully recovered. If necessary, certified return-to-work letters are sent by the automated AI program. The average time span of a claim is reduced from 21 days to 9 days. Look at time and money savings for all parties.
Your employee is treated fairly. Your future premium costs are lower due to smart claims outcomes. Finally, AI improves the traditional system for you.
Please consider jumping on the phone with us to answer your questions.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Who is required to buy Workers’ Comp in Florida?
10/18/21:
Any employer with more than three full or part-time employees must carry Workers’ Comp insurance in Florida. If you are in the construction industry and hire just one employee, coverage is required.
Any building or construction, new or remodeling, is considered in the construction trade. Also, any improvement of land is considered construction trade.
If, in fact, there is a true contractor/subcontractor relationship, the employees of the subcontractor are considered statutory employees of the general contractor. The general contractor must provide Workers’ Comp coverage for those individuals. The only exception is if the subcontractor purchases Workman’s Comp for those employees. A valid certificate of insurance should be provided by the subcontractor.
For 30 years, Work Comp Specialists has specialized in placing over $300 million in Workers’ Comp premiums in Florida. Put your money on us to help you out!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Important facts about Workers’ Comp Claims in Florida
10/04/21:
1. When is a claim determined to be compensable under Florida Workers’ Comp? Florida is considered a ‘premises state’ instead of an ‘on the clock state’. Let me explain the difference. Just because an employee is injured while on the clock, doesn’t mean it’s a compensable claim. Conducting a personal errand would prevent most injuries from being covered. The ‘premises state’ would extend coverage to an employee picking up lunch for other employees or collecting company mail from the post office. So, the premises can be extended beyond the work site in Florida.
2. Florida Workers’ Comp statutes have a ‘Going and Coming rule’ that affects claims determination. An employee coming to or leaving from the work site and becoming injured is not compensable. However, if an employee is provided a company vehicle, and is injured on the way to a service call, this situation would be covered. These unique situations are
based on specific facts of the case.
3. Florida Workers’ Comp litigation occurs when an employee is out of work and usually not happy with the medical treatment plan or reduced pay. Here are four excellent techniques to mitigate litigation. First, a medical canvas of the injured employee could discover a previous injury. Secondly, a claims index search could discover a pattern of reporting claims. Third, a robust social media search might provide clues to the extent of the injury.
Fourth, a formal deposition by your carriers’ attorney always uncovers important facts on the record.
Our philosophy is let’s pay worthy legitimate claims. Let’s deny the fraudulent claims. And let’s do our homework on the Workers’ Comp claims in between!
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Deep dive into Workers' Comp Claims
10/04/21:
Here are some important facts about Workers’ Comp claims.
1. An injured employee has 30 days to report an injury including the manifestation of that injury (slipped and fell but okay for now situation). Florida statute 440.185 (1) describes this requirement. It’s worth researching before this situation arises.
2. There is a ‘self-help’ provision in the law. This means the Workers’ Comp carrier chooses the medical provides to render treatment to an injured employee. This allows the carrier to control the treatment, instead of the injured employee treating with their personal physician.
3. When a claim is carrier/adjuster has three choices. Pay it, deny it, or Pay and Investigate
(also known as the 120-day rule). This option allows the carrier to deny the claim up to 120 days. After then, the claim cannot be denied.
4. If an employee is injured and declines to file a claim (usually to avoid a drug test) make sure to secure a medical declination form signed by the employee.
5. If an employer chooses to pay 80% of the injured employees average weekly wage instead of Workers’ Comp benefits for a TTD claim, make sure to factor in taxes will be deducted from those wages.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Covid and Workers’ Comp explained
09/17/21:
At the beginning of Covid-19 last year, several questions arose about how Workers’ Comp came into play. Today, we explain more about the Covid effect in the system.
First, Covid claims were reported as work-related from infected employees to Florida carriers. Many claims were denied as not compensable to the employee. The foundation for denial was the Covid infection did not occur in the course of employment. More specifically, an employee with the illness could not prove it was contracted at work. It could have occurred away from work, and thereby not considered a work-related illness.
However, several instances of claims were covered if the Covid was caused ‘from the course of employment’. In cases of medical providers contracting the illness by providing care to infected patients, most Florida carriers interpreted this exposure as ‘in the course of employment’ and covered this claim.
Lastly, Florida carriers allowed a special class code 0012 for furloughed payroll by employers and did not charge any premium for that particular amount of payroll under Workers’ Comp. We have one client that received a credit over $25,000 because we discovered this technique. Call us to learn how you can, too! Stay safe.
Kevin Campbell
The Campbell Agency / Work Comp Specialists
Phone: (800) 508-9126
Cell:(850) 832-7699
Fax: (877) 234-6089
Post-Employment Comp History
Please use our post-employment Workers’ Comp history check when hiring new employees. We will help you prevent keeping a known claims artist in your company and costing you a fraudulent claim.
Our agency is here to save your hard earned profits and will help you guard against suspicious claims. This is how we earn your business
Understanding Premium Credits
To qualify for this credit, your business must have a written, state certified workplace safety program, assign a dedicated "Safety Coordinator", and form a four-person safety committee that agrees to meet at least quarterly to talk about safety in the workplace.
Contact us to help you and see if you can qualify for a 2% credit
Call: 800-508-9126
Rely on Outside Expertise
Get Help with Your Annual Audit.
An audit is done at the expiration of your policy period to verify your actual payroll information against estimate you made for the year. The audit results will determine if you owe additional premium or are due a refund for overpayment.
Work Comp Specialists take the pain out of audits by providing you with a list of information and items you'll need for the audit. We review this documentation with you to ensure there are no errors. We have a proven track record in disputing incorrect audits and recovering premium dollars.
Relationships Matter. Ask for Help to Manage Workers' Comp Claims.
Like most insurance, you never really know what workers' compensation coverage is worth until you have a claim. The first 30 days (after a workplace accident or injury occurs) are critical in determining how a claim will proceed and how much will be paid out.
At Work Comp Specialists we have dedicated experts that continually monitor your claims to minimize their impact on your loss experience. This helps to keep your premium as low as possible.
Plan Your "Back to Work / Light Duty" Program.
When you do have an employee out on workers' comp, the treating physician will determine when he or she is able to return, and in what capacity. "Light duty" restrictions must be followed. Having an effective “light duty" policy with pre-determined job functions can lead to lower workers' compensation costs.
Two reasons to let Work Comp Specialists help you define your light duty program.
1. Claims classified as "medical only" do not add indemnity or lost time benefit costs
and can reduce premiums by as much as 70% when factored into your NCCI Experience MOD calculation.
2. Light duty/return-to-work positions help employees feel like valued members of
your company. And that goodwill has an impact on ALL your employees. Employees who return for light duty are paid at 80% of their pre-injury average weekly wage. Having pre-determined job roles create more savings for you.
It's All about Your Experience.
Each year your insurer is required to submit your claims and payroll data to the National Council on Compensation Insurance (NCCI).
In Florida, rates are filed by the NCCI in the fall of the year. The filing comes from the Florida Department of Insurance where any changes are made and rates are finalized to be effective on January 1st of the next year.
Work Comp Specialists
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