Your premium audit questions answered
某些商业保单需要保费审计,对于State Farm®工人赔偿和承包商保单尤其必要,因为您的pp王者电子官网是基于您的工资单或您在保单期间所从事的工作的总成本. 以下是保费审计中常见的问题和答案,以解释流程.
A: Audits are conducted after the policy period ends or after the policy cancels. In most cases these are completed within 75 days after policy expiration. 但是,pp王者电子官网合同允许在保单到期后最多3年对保单进行审计.
答:是的,因为为了获得您的保单的最终保费,审计仍然必须完成. Also, it is an obligation in the policy contract. If you do not comply with the audit, 你可能会在《pp王者电子官网》中被处以罚款,称为审计不合规费用.
A:您将收到代表State Farm进行审计的审计供应商的信函,该信函将概述完成审计所需的记录/信息. 可能需要的一些记录的例子有:工资日记账/登记簿, 总帐, quarterly employer tax documents, 审计期间使用的所有分包商的承包商/分包商记录和工人赔偿和/或一般责任pp王者电子官网证明.
A: After the audit is completed, State Farm将邮寄一份保费调整声明,针对每份有到期保费或已退还保费的可审计保单. If the audit results in no change, we won't send a Premium Adjustment Statement. 保费调整报表适用于上一个保单期或已取消的保单期.
Once the premium audit results are known for the previous or cancelled policy term, if you have a current term policy we adjust the policy based on those results.
答:当我们核实工资金额时,我们将工资总额与独立文件核对,如季度941表格或季度UC-3表格, so we need total payroll including all officers to perform that step.
答:在一些州,如果没有pp王者电子官网的分包商雇员受伤,你可能要为工人赔偿pp王者电子官网负责. To protect your business, 确保获得一份pp王者电子官网证书,显示您使用的每个分包商/独立承包商的工人赔偿范围. If such Certificate of pp王者电子官网 is not available at the time of audit, the subcontractor's total cost may be added to your payroll.
对于承包商的政策,也有必要从每个分包商那里获得pp王者电子官网证书. 重要的是要确保你雇用的分包商提供pp王者电子官网证书,pp王者电子官网范围等于或大于你的限制. 如果没有证书或证书不充分,可能需要将这些分包商归类为雇员.
A: Premiums on auditable policies are determined on an estimated basis. 如果最初估计的保费高于审计时的实际保费,您将获得退款. If your initial premium estimate was lower than actual premium at audit, we'll let you know the difference you owe through a Premium Adjustment Statement. 保费的变化可能源于适用于您业务的工资和/或分类的变化.
答:对于过期保单,如果由于保费审计而有到期金额,则全部在保费调整报表上结算. 然而, 当我们在当前期限内增加预估金额时,将按照您支付该保单保费的方式计费. 因此,如果您按月付款,由此增加的保费将分摊到该保单的剩余每月付款中.
如果您无法找到保费审计问题的答案,请与您的 State Farm agent.