All Agent/Brokers provide different levels of service, but do
not specialize in rating development or management. In fact many
agents/brokers use H&H Systems services to review and manage
experience ratings. We take great pride in working with numerous
agents/brokers who have all agreed the benefits of using H&H
Systems service are unmatched.
Yes, employers are encouraged to evaluate expired ratings. According
to the experience rating manual, the current and prior experience
rating can be revised on certain criteria. Reviewed produced ratings
is encouraged since worker compensation claims can take years
The extended time is offered to make sure employers are not charged
for claim losses that should not be counted against them.
Yes, if a rating reduces, the insurance carrier is required to
apply the revised modifier. Any reduction in premiums would have
to be returned to the employer.
If a rating increases 90 days after the effective date it can
only be applied from the date the rating was revised.
If a rating is revised after the policy it impacts expires,
it can not be applied to the policy. Only reduced ratings can
be applied to expired policies.
Yes, or if they are your current carrier they may apply the revised
premium as a credit to your account.
No. We maintain all files within our offices and only use data
for internal rating review purposes. Only at the request of the
employer would we send data out of our offices. Upon your request
we will copy and share information with your agent and broker
No. H&H Systems will make every effort to avoid utilizing
your staff time. After initial set up the only time taken would
be gathering the data needed to complete the review. All we would
need is to be provided copies of the worksheets and loss data.
All we need are copies of the worksheets and lost data. If neither
are readily available H&H Systems can utilize an Authorization
Form to secure the necessary data.
You will be contacted to schedule a convenient time for report
delivery to get all your questions answered.