Getting the Lowest Work Comp Cost

Getting the lowest Work Comp costs is NOT Brain Surgery..

 It’s a simple proceedure and we do it EVERY Day.

Right now, there are forces at work that are kicking up your Workers Comp Cost.. Inflating your bills and well, just  ’dipping their hands’ into your pocket.  You don’t know about it because it’s not your business to know.  Your business is Home Health Care!

You’ve been told that you have little or NO control over Workers Comp Cost  AND IT’S JUST NOT SO!

We use a Proprietary 3 Step Method lets you GRAB CONTROL from those people that ‘dip their hands’ into your pocket on a regular basis

Here’s how it’s Done..

#1: We have the rates for EVERY company in the state.. EVERY ONE OF ‘EM.

#2: We use our Comparison Processor and run them through a ‘Matrix’

#3 We take the results and MARKET YOUR ACCOUNT to get BIDS for YOUR business.

Once the numbers are in, we present the results!

After that, it’s IMPERATIVE that you maintain control and avoid COST CREEP..   So, we keep up on things FOR YOU

Here’s the short list of what you can expect:

1. Review Classifications for ‘best use’ determination

2. Review OPEN CLAIMS to assure that they are closed in a timely manner.

3. Review XMOD worksheets for error and correction

4. Prep you/your staff for Premium Audits

5. Review audit worksheets with you fir error and correction

6. File DISPUTED AUDIT notice when needed

7. Handle Certificates of Insurance

8. File CHANGE OF PREMIUM BASIS notice based on return premium audits or projected payroll changes.

9. Provide you with an in-house Certificate Management Program for use with vendors and sub contractors

10. Set up annual review discussions

Call me now… let us get to work for you! 

PJ  201 945 3100                               



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Why do some insurance companies SURCHARGE


Why do some insurance companies SURCHARGE  Your NJ  Workers Comp Premium?

 To a large extent, New Jersey Work comp is controlled.

  • Rates are published by the “Compensation Rating & Inspection Bureau”
  • All companies must use those rates
  • Statistical date is maintained by the NJCRIB

There are certain circumstances that allow for a Surcharge on the premium developed using those rates

Placement in the “Assigned Risk” of Work Comp

If your policy is placed in the NJ Workers Comp Ins Plan (Assigned Risk) there is an AUTOMATIC surcharge of at least 17%    It can be MORE

Insurance Company filed Rate Surcharges

Some insurance companies think they need more money that the filed rates allow.  They ask for (and get) approval for a ‘rate surcharge’ over and above the state filed rates.

Good News.. You have choices!

There are alternatives to surcharged policies.  We deal with several “A” rated insurance companies that are Actively Seeking new Home Health Care Insurance Accounts.

Some of them actually DISCOUNT ….

Call me to find out more 888 312 94-843



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Just What Is “Pay As You Go” Workers Comp??

A relatively new development in Home Health Care Workers Comp Insurance is “ Pay As You Go “ billing.

Simply put:

  • You (or your payroll company) reports your weekly or bi-weekly payroll to the insurance company Then…
  • The company calculates the cost for Workers Comp insurance for that pay period.    And..
  • You “ Pay As You Go”

No More:

  • Large Up Front Deposits
  • Billing / Payment chase
  • Year end audit surprise

It’s a good deal for everyone, and now, YOU can get in on it. We do this every day for New Jersey Home Health Care Agency Owners!

No Set Up Fees…

Feel free to call me about this!

PJ Giannini
201 945 3100

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