Workers’ Comp

Workers’ Comp


CompOneUSA Workers’ Compensation benefits are ERISA benefits under the auspices of ERISA Section 3(40)(A)(i) as a certain Entity Claiming Exception (ECE) code, which by law need to be more encompassing than regular Workers’ Comp products sold in the market, and are guaranteed to be offered at below private insurers’ market prices. But more importantly, it shows your employees that you care about them while fostering a culture of Safety and Awareness:

- Coverage limit for bodily injury accidents (per accident): $1 million*
- Coverage limit for bodily injury diseases (per employee): $1 million*
- Coverage limit for bodily injury diseases (on aggregate): $1 million*
- Safety & Loss Control solutions to reduce employer exposure, minimize losses, minimize fraudulent claims and prevent injuries:
          - Injury & Illness Prevention Program
          - Active Safety & Awareness Workers’ Compensation Training & Certification Programs for Management and Employees
          - First Aid Training
          - Facility walkthroughs and recommendations for OSHA compliance
- Claims reviews and claims management solutions
- Employee return-to-work programs
- Employee annual physicals
- Employee immunizations
- An employee work-related accidental death benefit up to $4,000
- NO Broker Fees
- NO Audit Fees
- LOW security deposit
- LOW deductibles
- Long-tenured Underwriters
          - Proper rating of account
          - Adequate liquidity collection
          - Local and/or multi-state coordination
- Payroll Processing and Payroll Tax Filings Administration
- Easy to understand quote in 4 business days
*Applies to CA. Our benefit coverage includes the statutory payout requirement per State.


--Current Workers’ Compensation Policy
Where employees are classified and their payroll into their appropriate job classification codes that determine the base rate.
--Experience Modification (Ex Mod) Report
-Because rates are based on a comparison of past losses against "average" losses of other employers in that state in the same business, but adjusted for size.
--3-year Loss Runs Report
Because rates are based on the claim activity where the named insured, policy number, date of each claim, and the amount paid or on reserve is listed in detail.
One simple call to your current Workers’ Comp carrier or agent will suffice to obtain the documents listed above. You may also request the Ex Mod worksheet at the WCIRB (Workers’ Compensation Insurance Rating Bureau). By law in most states, the current issuer must provide you with that information in writing via mail, email or fax promptly.
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As a non-profit corporation, American Labor Alliance DOES NOT SELL INSURANCE products.
As a non-profit Labor Organization we promote FIRST our member's right to work in a safe environment with a just wage. We represent our members in terms of their hours, wages, working conditions and benefits. Our 3 step grievance procedures can be seen on the CBA video, which we invite each employer to view and understand. Our benefits are strictly regulated by the federal confines of the Employee Retirement Security Act's (ERISA) Section 3(40)(A)(i) as a certain Entity Claiming Exception (ECE) to certain MEWA requirements in order to assist our Members and their families when it matters the most, as in the case of a Workers' Comp event or health crisis.
American Labor Alliance derives its authority to promote such benefits and services from Federal ERISA law. In order to comply with such standards for participation, vesting, benefit accrual and funding, American Labor Alliance conducts itself under strict financial and regulatory strictures.
Employers may purchase as part of a multiemployer group pursuant to a bona fide collective bargaining agreement, such benefits and services as: Workers' Compensation benefits (CompOneUSA), Health Care benefits (Avanto), Retirement Plans (ALA Trust) and others.
What all this means to you as our Member, is an opportunity for your employer to carry the legal and necessary coverage your he or she needs, with benefits that are more robust and encompassing than the standard market-place products, but at prices below the standard industry market price that you can afford. No Obligation: Applicant is under no obligation to enter into contract with American Labor Alliance for simply requesting a quote. Quotes are usually ready within four (4) days, at which time a CompOneUSA contract will be presented for consideration. Only a fully executed CompOneUSA contract and initial security deposit payment (via company check or wire) is considered the final sale. UNDERSTAND your employer is given such a quote only AFTER their employees have formed part of our Labor Organization.
Member Associates promoting the CompOneUSA benefit are also Member Representatives of the American Labor Alliance Labor Union.