Has there been errors in the last 7 years? we can recover overcharges paid because of their errors.

2. • Workers’ Compensation Premium Audit
• Are you relying on your insurance company’s annual audit to protect you from over
paying for workman’s compensation premiums? Think again!
• Their job is to determine the actual payrolls for the past policy year. The auditor is
there to adjust your company’s estimated payroll to the actual payroll figures. The auditor
is not there to locate overcharges.
• You need the perspective of an unbiased, independent review.
• Our industry expert’s experience indicates that 75% of all employers have
overpaid or are currently overpaying on their Workers’ Compensation premium cost. With
over seven hundred (700) different business classifications, there may be opportunity for a
lower rated classification for your employees or operations. Rarely are classification codes
challenged which allows for a significant opportunity for recovery.
• In addition, many of our workers’ compensation refund recoveries are a result of
incorrectly calculated experience ratings which are rarely verified by the agent or workers’
compensation insurance carrier. In many cases, discounts promised in proposals are not
applied on the final audit billing statements.
• We know where and how to obtain proprietary workers’ compensation premium
information and cost saving rating plans which are not ordinarily disclosed to policyholders
by the workers’ compensation insurance carriers. Last but not least, there is an inherent
conflict between the agent or broker’s role to reduce premium costs and the commissions
earned on workers ‘ compensation policies.
• OUR FEES ARE BASED SOLELY ON OUR PERFORMANCE AS A PERCENTAGE OF YOUR
RECOVERED OVERCHAGES OR SAVINGS.
• Are you aware that there are incentives in the Federal Stimulus Bill to
reward company’s that hires or replaces more than 20 employees a year?
• We will find these hidden benefits you’re currently missing.

3. How do we get started?
It’s as easy as 1, 2, 3…
1. We try to make the review process as simple as possible by minimizing your
time and effort. Our workers’ compensation review can be conducted easily
through phone, fax, mail and e-mail. Our workers’ compensation review
process is as follows:
2. You locate as much of the workers’ compensation policy information as you
can from your files.
3. Execute and substitute the correct contact information on each Letter of
Authority, copy the letters to your letterhead, sign each letter, and mail them
with the policy information you’ve located on site. If you’ve had multiple
insurance companies and/or agents over the past several years, we’ll need one
for each company.
4. Once the initial information is received, we will contact you directly and assist
you in obtaining the missing policy information. Once all the necessary
information is received, we will conduct our review and provide our findings to
you in a short period of time.
5. As the overcharges are found, we will prepare a written report documenting
your overcharges and provide you with the necessary documentation needed
to recover the workers’ compensation overcharges.
6. We review all aspects of your premium calculations including but not limited
to Declaration Pages, Audit Billing Statements, Experience Rating Worksheet
Calculations, Loss History Summaries, Auditor’s Worksheets, Premium
Payments and Special Rating Plans.
OUR FEES ARE BASED SOLELY ON OUR PERFORMANCE AS A PERCENTAGE OF YOUR
RECOVERED OVERCHAGES OR SAVINGS.

4. Frequently asked Questions
You’re actually selling insurance, aren’t you?
We do not sell insurance. We verify that your current and previous insurance
companies have not overcharged you.
Why do we need your services when my agent already does that for us?
Workers’ compensation isn’t all we do. It is virtually impossible for your agent to
verify all the details involved in your premium calculations. For instance, often times
agents do not receive copies of your experience rating worksheets or the auditor’s
worksheets to review their accuracy. Without these items, it is impossible to verify if
you were charged the correct premium.
My company just performed an audit. Why do I need your services?
Insurance companies perform an annual audit to determine the actual payrolls for
the past policy year. The auditor is there to adjust your company’s estimated payroll
to the actual payroll figures. The auditor is not there to locate overcharges.
How will my agent handle the news that his/her work will be audited?
Most agents recognize that what is good for the client is what matters. Most agents
do not have the time or the resources to conduct the in-depth review that you will
receive from us.
I don’t have the time for another “project”. How much of my time will the audit
take?
Once all the policy information on site is gathered, we will prepare the necessary
letters to your agent or insurance carrier requesting the missing information. If
feasible, we will copy all information available in your files. The audit is conducted at
our office. Our review requires minimal participation.
What will my insurance company think?
Insurance companies want to be sure that the rules and regulations as mandated by
the Division of Insurance are followed. Our review will confirm the insurance carrier’s
compliance with these rules and regulation.

5. Advocates For Savings / Thomas J. Tysl / 1701 W. Northwest Hwy Grapevine, Texas 76051
817.404.9011 / Fax 817.224.2924 / ttysl@advocatesforsavings.com