One simple, pay-as-you-go solution
Managing workers’ comp premium payments doesn’t have to be complicated, even if you have a fluctuating workforce. When you sign up for ADP’s Pay-by-Pay premium payment program, we can help you to:
Improve cash flow
Manage premium payments efficiently and possibly eliminate your upfront premium deposit*.
Improve accuracy
Only pay for what you owe — payments are based on real-time data each payroll cycle.
Simplify audits
Reduce the risk of over or underpayment of your workers' compensation premiums.
Save time and streamline your business
When you integrate ADP payroll with a workers’ compensation policy brokered by our affiliate, Automatic Data Processing Insurance Agency (ADPIA®), your premium payments are automatically forwarded directly to the carrier. Skip the administrative hassle, so you can spend more time focused on your business.
- Reduce your risk of late payments and policy cancellations, and overpayment of premiums
- Eliminate the need to write manual checks
of ADP clients spent less time on administrative tasks related to managing their workers’ compensation premium payments by using our Pay-by-Pay premium payment program.
No more upfront deposits*
Did you know traditional workers’ compensation programs can require 25-100% of estimated premiums as an upfront binder? With Pay-by-Pay, you may be able to eliminate the upfront deposit and spread your payments across your payroll life-cycle.
- Premiums are based on your actual real-time payroll information and carrier rates
- Reduce the chance of unexpected “catch-up” payments or end-of-year audit surprises
Simplify audits
Access convenient reports to track and manage premiums paid every time you process payroll.
- Detailed information at the employee, state, and class-code level
- Carriers may accept the Pay-by-Pay report during the year-end audit; and approve without your involvement**
- Get support from a team of licensed agents to answer your questions about workers’ comp, audits, or claims
of ADP clients said using our Pay-by-Pay premium payment program made preparing for their workers’ comp audit easier.
How does your current solution stack up?
Take a look and compare.
| ADP’s Pay-by-Pay Premium Payment Program | Current | Pay-by-Pay |
|---|---|---|
| Eliminates the upfront premium deposit1 |  |
|
| Spreads workers’ compensation premium payments across your annual payroll cycle | |
|
| Adjusts premium payments based on actual payroll data and carrier rates to minimize your over or underpayments at year-end audit | |
|
| Automatically forwards your premium payments to your carrier, reducing your risk of late payments and the need to write manual checks | |
|
| Provides detailed premium payment information at the employee, state, and class-code level to help minimize audit impact | |
|
| Carriers may accept the Pay-by-Pay report during the year-end audit; and approve without your involvement2 | |
|
| Create, update, renew, and retrieve Certificates of Insurance in real-time3 | |
What Others Say
With ADPIA and ADP’s Pay-By-Pay, I have the confidence that our workers’ compensation reporting is accurate, removing the need to devote any additional time and allowing us to focus our energies on continuing to grow the business.
Richard Butler,
Chief Operating Officer
Etairos Health
*Not available with all carrier partners.
**While Pay-by-Pay may reduce the administrative burden of the annual audit, the carrier is entitled to preform an in-depth audit, as outlined in the clients' policy documents.
1 While premium deposits may be eliminated with most carriers, mandatory state assessment fees may be required in some states.
2 While Pay-by-Pay may reduce the administrative burden of the annual audit, the carrier reserves the right to perform a more in-depth audit, as outlined in your policy documents.
3 Only available to ADP Payroll clients using RUN powered by ADP® and ADP's Pay-by-Pay® Premium Payment Program for Workers' Compensation. Not available to Teledata clients.
Automatic Data Processing Insurance Agency, Inc. (ADPIA) is an affiliate of ADP, Inc. All insurance products will be offered and sold only through ADPIA, its licensed agents or its licensed insurance partners; One ADP Blvd. Roseland, NJ 07068. CA license #0D04044. Licensed in 50 states. Certain services may not be available in all states with all carriers. Some carriers may charge an additional fee for services. This information is not intended as tax or legal advice. If you have any questions, contact a tax or legal professional.
Some material covers the offering of the ADP Pay-by-Pay Premium Payment Program. All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners. ADP's Pay-by-Pay is a payroll enhancement feature of ADP's payroll processing services. Clients must be using ADP's tax filing service to take advantage of the Pay-by-Pay Premium Payment Program.
Payroll Services are offered through ADP, Inc. ADP, ADPIA, the ADP logo, Pay-by-Pay, Workforce Now, and RUN powered by ADP are registered trademarks of ADP, Inc.
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