Savings and Recovery Insurance Auditing and the Savings & Recovery Workers' Compensation

SEATTLE, WA, May 24, 2011

Savings and Recovery, LLC Overview and History
Savings and Recovery's comprehensive audit dates all the way back to 1975. It is based upon an engineering model of medium and large company electric and gas efficiency and utility providers seeking continuous higher profit. Telephone and water audits were later added to our repertoire of services as clients requested additional audit services. What Savings and Recovery found is that a significantly high percentage of errors were discovered in those utilities. In 1999, Steven Rafter, a utilities auditing field analyst and entrepreneur from the parent company, and James Valgean, the son of the original developer, an industrial engineer, 30 year veteran of electric and gas audits, started Savings and Recovery. Together they updated all parts of the auditing process with Savings and Recovery to bring the same process, detail and results to smaller businesses.

Insurance Audit Recovery with Savings and Recovery, LLC
Why Conduct a Workers' Compensation Premium Audit with Savings and Recovery, LLC?
You need the perspective of an unbiased, independent review.
The vast experience of Savings and Recovery in the workers' compensation premium arena indicates that 75% of all employers have overpaid or are currently overpaying on their Workers' Compensation premium costs. With over seven hundred different business classifications, there may be opportunity for a lower rated classification for your employees or operations. Rarely are classification codes challenged which allows Savings and Recovery a significant opportunity for recovering money for your company.
Observations of Savings and Recovery have revealed that many of the workers' compensation refund recoveries are a result of incorrectly calculated experience ratings which are rarely verified by the agent or workers' compensation insurance carrier. In many cases with Savings and Recovery, discounts promised in proposals are not applied on the final audit billing statements.
Savings and Recovery knows how to obtain proprietary workers' compensation premium information and cost saving rating plans which are not ordinarily disclosed to policyholders by the workers' compensation insurance carriers. Last but not least, there is an inherent conflict between the agent and broker's role to reduce premium costs and the commissions earned on a workers' compensation policy.

Savings and Recovery reviews all aspects of your premium calculations including but not limited to Declaration Pages, Audit Billing Statements, Experience Rating Worksheet Calculations, Loss History Summaries, Auditor's Worksheets, Premium Payments and Special Rating Plans.

Once all the workers' compensation review paperwork is received and reviewed, Savings and Recovery will provide you with a written report documenting the workers' compensation overcharges, provide the appropriate supporting documents to recover your overcharges, and assist you in obtaining your workers' compensation refunds.
Again, our fees are based solely on our performance as a percentage of your recovered overcharges or savings.
Getting started with savings and recovery, LLC
How to Start your Workers' Compensation Audit with Savings and Recovery, LLC
Savings and Recovery tries to make the review process as simple as possible by minimizing your time and effort. Our workers' compensation review can be conducted easily through phone, fax, mail and e-mail.
The workers' compensation review process with Savings and Recovery is as follows:
Savings and Recovery has you locate as much of the workers' compensation Policy Information as you can from your files.
Execute and substitute the correct contact information on each Letter of Authority, copy the letters to your letterhead, sign each letter, and mail them with the policy information you've located on site.
All information gathered is then received by Savings and Recovery for an evaluation and confirmation
Once the initial information is received by Savings and Recovery, we will contact you directly and assist you in obtaining the missing policy information. Once all the necessary information is received, Savings and Recovery will conduct our review and provide our findings to you in a short period of time.
As the overcharges are found, Savings and Recovery will prepare a written report documenting your overcharges and provide you with the necessary documentation needed to recover the workers' compensation overcharges.

Savings and Recovery, LLC operates in San Juan Capistrano, CA. For more information, you can contact Savings & Recovery by telephone, fax or e-mail today!
Telephone (949)429-5190
Fax(949)276-6695
http://www.savingsandrecovery.com

Real Expense Control

Expense control in business can mean the difference between staying competitive or going out of business. Global competition, rising operating costs, labor rates, and everyday inflation driven expenses are critical to your bottom line.

We understand, and wish to be an objective third-eye partner in expense auditing, control and management in key areas of your company so that you have the edge. You may choose which services you wish us to review.

Savings and Recovery brings experienced expense auditors, analysts and other third party experts in key areas, so that you can focus on what you do best. Unleash our expense and recovery bloodhounds and we'll prove our worth in documented savings, real refunds (checks) and real peace of mind. Our one stop shop company will not rest until we recover and save every dollar available to you.
Please visit us at http://www.savingsandrecovery.com today.