Speech Pathologist Recovers $30,000+ in Premium Overcharges
A speech therapy group with 42 employees was paying a workers’ comp rate of $2.90 per hundred dollars of payroll. This rate is completely wrong for a white-collar healthcare group. They assumed their premium was accurate because they trusted the system. They were wrong.
How the refund was won
This $30,000+ refund is a textbook application of the lessons in Module 3 (Classification). A purely white-collar healthcare group ended up assigned to a high-risk code, paying nearly ten times what they legally owe.
How does this happen? It happens because nobody audits the audit. Insurance companies default to the highest-paying classification unless you prove otherwise. By learning the rules and aggressively auditing their class codes, this employer corrected the error, slashed their premium, and secured a massive retroactive refund. If you aren’t auditing your class codes, you are writing a blank check to the insurance company.
This outcome maps to: