Bồi thường công nhânCâu 499 / 531
Workers compensation premium is billed at inception on estimated payroll. At the end of the policy term:
a.An audit compares estimated payroll with actual
b.The estimate becomes final and cannot be changed
c.The insurer refunds any premium paid over the mod
d.The employer must file a new application to renew
Giải thích
Because payroll is only estimated when the policy is written, the insurer audits the employer's records after the term ends and computes earned premium on actual payroll by classification. The difference is billed as additional premium or returned to the employer. Treating the deposit as final is the common misconception; it is only a starting figure, and the end of a term does not by itself require a fresh application.
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