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1  General Forums / News and Events / Workers’ Compensation Rate Ranking Study on: October 25, 2012, 09:42:30 AM
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October 10, 2012 News Release
, the Oregon Department of Consumer & Business Affairs announced the results of Oregon’s biennial You must login to view links.
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Workers’ Compensation Rate Ranking Study

Click on the Oregon vs. Nation tab to see where your state is ranked.  CA has the third highest rates in the nation at $2.92 per $100 of payroll, compared to the national median index rate of $1.88.
2  Question Forums / Manual Rules & Legislation / Re: A law reguiring resident managers at any apartment with 16 or more units. on: July 09, 2012, 05:44:36 PM
Interesting post You must login to view links.
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regarding Resident Managers.
3  General Forums / Links / CDI's Workers Comp Rate Filings on: March 31, 2011, 04:17:55 PM
To go with You must login to view links.
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Beancounter's post
, check the You must login to view links.
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CDI's Workers Comp Rate Filings
website for monthly rate filings.  The Workers' Compensation rate filings lists are made available in both PDF and Excel 5.0 formats.
4  General Forums / News and Events / Washington Initiative May End State Monopoly on Workers' Comp on: July 01, 2010, 02:09:40 PM
The Building Industry Association of Washington collected more than enough petitions to put an initiative on the November 2010 ballot which would allow voters to decide if the state should remain monopolistic or become competitive.  Read all about it You must login to view links.
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If the initiative successfully passes, only three states would remain monopolistic: North Dakota, Ohio, & Wyoming.
I found this story using AuditBible's News Alerts (right next to the Home tab above)  Wink
5  Question Forums / Manual Rules & Legislation / DSLE Opinion Letters on: June 28, 2010, 07:00:09 PM
The Division of Labor Standards Enforcement (DLSE) issues You must login to view links.
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Opinion Letters
on a variety of issues.
6  General Forums / Tech Talk / Re: Merging Multiple Word Docs on: June 08, 2010, 10:01:06 AM
Very interesting AuditorLisa!  I'll give that a try sometime Smiley
7  General Forums / News and Events / Privatization Coming to Washington? on: May 25, 2010, 09:56:34 AM
Don Brunell, president, Association of Washington Business writes:
Over the last 10 years, Nevada and West Virginia privatized their failing state monopolies. According to the Council of State Governments, privatizing Nevada's workers' comp system erased a $2 billion liability. In just three years, West Virginia's privatized system cut the state's $3.2 billion unfunded liability by 40 percent.... Why not Washington?

Click here for the complete article: You must login to view links.
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I-1082 is a relief valve for beleaguered employers
8  General Forums / Tech Talk / Re: Need to convert a file? on: May 04, 2010, 02:08:31 AM
I tried converting a PDF to Excel using You must login to view links.
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PDF to Excel online
but it took almost 20 minutes to email me a conversion failure notice.  I converted the same PDF file using You must login to view links.
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and received a link via email to my converted Excel file within 2 minutes, and with only one minor flaw (an extra space in a one of the words).
9  Announcements / Announcements / Annual IAAW Conference - 2010 on: April 26, 2010, 03:09:32 PM
If you're a premium auditor in any of the western states, this is a must-attend event for you.  The annual conference is alternately hosted by one of the local IAAW chapters.  This year's conference is sponsored by the California Auditors and Managers Association (CIAMA), the Los Angeles chapter.  Visit the You must login to view links.
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IAAW website
for more information, and to download the registration packet.
10  General Forums / Tech Talk / Free Word, Excel and PowerPoint on: April 07, 2010, 10:36:03 AM
Microsoft is feeling the heat from its main competition - Google Apps - and is now offering free stripped-down versions of Word, Excel and PowerPoint via web browser.  You can access these programs at You must login to view links.
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.  Just login using your officelive username and password. 

I imagine these are the same versions found in Microsoft Works.  Like Google Apps, you can view, edit, and share these documents with password-protection, and store up to 5GB.
11  General Forums / Links / Section 125 Cafeteria Plans on: March 30, 2010, 11:39:57 AM
For a complete description of Section 125 plans, and the associated employer requirements, see: You must login to view links.
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IRS Publication 15-B, “Employer’s Guide to Fringe Benefits.”

Here's another helpful resource on You must login to view links.
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Section 125 Cafeteria Plans
12  General Forums / Tech Talk / Free Windows Live OneCare safety scanner on: March 08, 2010, 08:43:19 PM
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Windows Live OneCare safety scanner
is a free service designed to help ensure the health of your PC.

  • Check for and remove viruses
  • Get rid of junk on your hard disk
  • Improve your PC's performance

Use the full service scan to check everything - it may take two hours or more.
13  Question Forums / Manual Rules & Legislation / Re: Question concerning the Monopolistic States on: February 08, 2010, 03:36:16 PM
Welcome to AuditBible, Irish_Friar Smiley

Good question!  First, for the benefit of all, some background...

Workers' Compensation Insurance provides payments to employees who sustain work-related injuries or occupational illnesses. Unlike other liability insurance policies, it doesn't have a maximum dollar limit to its primary coverage referred to as Part One (it used to be called Coverage A).  Part One is what auditors are most familiar with, and most workers' compensation claims come under this part of the coverage.  According to part One, the policy transfers liability for statutory workers' compensation benefits of an employer to the insurance company. 

Employers' Liability Insurance is the section of the policy that has a set dollar limit.  It insures the employer’s business against lawsuits due to employment-related injuries or illnesses that aren't subject to the statutory benefits imposed by state or federal regulations.  For example, a lot of states exclude certain employees from the statutory benefits covered by Part One or Part Three of the policy.  Employers' liability coverage would insure the employer for liability to such employees.

The lawsuits can come from the employee, his/her family members, relatives and third parties.  The Employers' Liability portion is usually offered under Part Two and provides additional coverage included in Workers' Compensation policies.  Employees who are injured due to an employers' negligence can pursue their employer for compensation even in cases when the business goes into liquidation.  Employers' Liability will not cover an employer against claims such as wrongful dismissal, sexual discrimination etc.

Employers' liability also insures an employer in cases such as third-party over suits, where an injured worker files suit against a third party and that third party then seeks to hold the employer responsible.  For example, an employee injured by a piece of machinery at the workplace might file suit against the manufacturer of the machinery.  The manufacturer might claim that the employer modified the machinery or used it improperly and is thus responsible for the liability.  Since employers' liability has a set limit, it is vital that this limit be correctly coordinated with the excess or umbrella liability coverage that is purchased separately.  If the amount of employers' liability coverage on the workers' compensation policy is lower than the amount that the umbrella or excess policy requires for underlying coverage, there can be an uninsured gap.  So it is vital for employers to make sure that the employers' liability limit on the workers' compensation policy matches what is shown on the umbrella or excess liability coverage that sits on top of the primary workers' compensation policy.

Employers' Liability Stop Gap Insurance
In the monopolistic states (where workers’ compensation insurance can only be purchased from the state fund) workers’ compensation policies do not provide employers liability coverage.  Therefore, employers insured in monopolistic states need to obtain employers liability coverage elsewhere via a stop gap endorsement to an existing policy: 

(1) If the employer has operations in competitive states, the endorsement is attached to the workers compensation policy providing coverage in those states.

(2) For employers operating exclusively in a monopolistic state, the endorsement is attached to the employer's general liability policy.

An employer’s liability stop gap endorsement provides coverage for work-related injuries arising out of incidental operations or exposures in monopolistic fund states.

For policies in competitive states, there is no separate charge for employer’s liability as the suits are rare, so the cost is built into the workers’ compensation rates.  Typically, therefore, workers’ comp auditors pay no attention to Part Two coverage.  But, as in your situation, when auditing policies which provide employer’s liability stop gap coverage for operations in monopolistic states…unless endorsed or instructed otherwise, the payroll should be audited according to the rules of those respective state(s) where the employer’s operations take place - just as if you were auditing for Part One coverage.

For an excellent treatment of this subject, please dowload You must login to view links.
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Employer’s Liability (Stop Gap) Coverage
by James J. Marks at Legacy P&C Partners, Inc.
Other helpful resources:

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    For an overview of the workers compensation and employers liability insurance policy, form WC 00 00 00 A

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    STOP GAP COVERAGE: What is it? … Who needs it?
    (pdf file)

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    Sample Stop-Gap endorsement
    (pdf file)

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    What is stop-gap liability?
    (especially, regarding Ohio)

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    Insurance Coverage For Mandolidis-Type Claims
    (pdf file - especially, regarding Ohio)
14  Announcements / Announcements / Independent Contractor or Employee: Get Your Classification Right! on: August 19, 2009, 11:17:50 AM
ALGONA, IOWA – Iowa Workforce Development and the Kossuth County Employers’ Council will present “Independent Contractor or Employee: Get Your Classification Right!” on August 26, 2009.

This session will focus on how to determine whether a worker is an “independent contractor” or an “employee.” Getting the classification correct is critical for tax, wage, unemployment, workers’ compensation, and other employment issues.  Getting it wrong can cost an employer money. A renewed enforcement emphasis by federal and state regulators requires that employers take a closer look at their classifications. Iowa Workforce Development Attorney Barbara Tapscott will present this hour long session using “real life” examples.  The session will begin at 9:30 a.m. at Iowa Lakes Community College in Algona located at 2111 Hwy. 169 N, Algona, Iowa.

Pre-registration is requested by Friday, August 21, 2009 to Paula Seely, 515-295-4602 or  There is no fee, but you must pre-register.  This program has been approved for 1.0 (General) recertification credit hours towards PHR, SPHR and GPHR recertification through the Human Resource Certification Institute (HRCI).

The Kossuth County Employers’ Council is a local employer group supported by Iowa Workforce Development Region 3 and 4, and is part of the statewide Employers’ Council of Iowa system.  This employer’s group addresses workforce issues, and provides both educational and networking opportunities for employers and human resource professionals.  Contact Bob Becker at if you have questions about this training session or about the Kossuth County Employers’ Council.
15  Question Forums / Employment Status / DSLE Employment Status information for nail & beauty salon industry on: July 20, 2009, 09:47:16 AM
Here's another good tool from the DSLE when determining employment status of workers in the You must login to view links.
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nail/beauty salon industry
.  It's written in English & Vietnamese.

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