Delaware Code 815 becomes All Inclusive

Friday, May 01 2009 - , , - 0 comments

Anyone performing a premium audit on an auto repair shop understands the difficulty of classifying clerical employees. While there are disagreements regarding counter personell, pretty much everyone involved would consider it fair to classify a "true" clerical employee as 953. The DCRB has announced in a recent circular that due to "problematic issues" and "systematic misclassifications" that DE 815 will be all inclusive. This will certainly make life easier for the premium auditor. However will this punish a business for hiring a clerical employee that works in an...

Laptop in Car becomes Deadly Missile

Friday, April 24 2009 - , - 0 comments

Field auditors beware, and remember to secure your laptop. In the industry, we are technologically advanced, and we make sure to carry our laptops with us on our premium audits. In March, the Royal Canadian Police report that a lady was driving with a laptop in the back of her car. When she suddenly stopped, the laptop turned into a projectile, hitting her in the head, and killing her. While this type of case seems to be rare, I know the next time I'm on a premium audit, I'll think twice about where I put my laptop.

Fraud in California

Friday, April 17 2009 - , - 0 comments

In Los Angeles, two individuals were arrested for insurance premium fraud. They owned a janitorial business named Bell Building Company. Since 1998 they have been reporting to their insurance company that they were the only ones on payroll. However, they actually had a rather large company with hundreds working for them. The accusation leads to an estimate of over $4 million that the company should have paid to the carriers had they reported payroll honestly. Unfortunately this type of thing is easily avoided with a physical audit. Facts from the California Department of Insurance press release...

Incarcerated? Keep Your Workers Compensation Benefits

Friday, April 03 2009 - - 0 comments

In a case on 4/2/09, PA courts have affirmed that workers' compensation benefits can only be stopped after a conviction, and not when an injured worker is only incarcerated. The ruling was made even though the injured worker is removing himself from the work place, and even though the worker may plead guilty. The reasoning of the courts is that the injured worker is innocent until proven guilty.

Roofer’s Premium Nonpayment Unnecessary

Monday, March 30 2009 - , , , - 0 comments

An owner of a roofing company was charged with multiple counts regarding not paying workers compensation premiums. In order to mislead his insurance carrier he misclassified his employees by reporting them as carpenters rather than roofers, and filed false tax returns. Experts estimate over the course of five years the roofing company avoided paying approximately $119,000. He is scheduled to be arraigned on April 29th, 2009. Don't allow this to happen to you. Be sure to hire a professional, detailed service company for your premium audits that understands how to ask thorough questions, review records...

WA No Longer Monopolistic?

Friday, March 13 2009 - , , - 0 comments

The Building Industry Association is calling for a reform in the way Washington does business regarding Workers Compensation. As you may know, Washington is currently a monopolistic state. The BIAW suggests converting Washington into a competitive state thus allowing private insurance companies to do business.

2008 RLD Pennsylvania Test Audit Results

Tuesday, March 03 2009 - , - 0 comments

RLD Associates, Inc. has been conducting premium audits in the Commonwealth of Pennsylvania for the past 20 years. We take tremendous pride in our Pennsylvania Test Audit Results for the numerous insurance companies we represent. Recently we received our calendar year test audit results from several of our clients. The results are as follows: 2008 Calendar Year Pennsylvania Test Audit Results: Carrier 1: 8 errors out of 68 decisions: Cumulative Error Ratio: 11.8% Carrier 2: 6 errors out of 38 decisions: Cumulative Error Ratio: 15.8% Carrier 3: 18 errors out of 107 decisions: Cumulative Error Ratio...

RLD Technological Advancements

Thursday, February 26 2009 - , - 0 comments

RLD is known throughout the premium audit community for having superior technology, even in a time when much of our competition uses the old pen and paper method to perform their premium audits. However, this has not put us into a stagnant position, but instead we continually improve to continue as the leader in premium audit work. Recent improvements in our technology have streamlined many of our processes, and brought us into a virtually paperless, digital-only environment. The many advantages including lowered cost, faster time service, and a better, more accurate audit than the competition...

Good Job!

Thursday, February 26 2009 - - 0 comments

We want to go on written record with (customer name blocked) concerning an RLD auditor; namely, Christopher Freeland. In these busy times when a comment is made concerning any personnel whether agency, company or outside person, the comments are too often negative. It seems people have time for that but don’t take the time when something goes right. Apparently, Mr. Freeland is doing things right!! I can’t remember any comments good or bad on any other RLD auditors however, I have received several ‘glowing’ remarks about Mr. Freeland. I personally worked with him on a problem...

Minnesota Test Audit Results

Friday, February 20 2009 - , , - 0 comments

Minnesota test audit results have been released, and they are not good. Of the almost 300 voluntary audits that were selected, 53.7% were found to have differences. The assigned risk physical audits were not that much better at 39.4%. In addition, the assigned risk mail audits were sitting at a whopping 90.9%. While we do not currently work in Minnesota, this is still a testament to choosing a good service company with a strong test audit background.