As a POC service provider NCCI’s approach is to provide guidance to carriers on proof of coverage reporting guidelines. This guide is not intended to provide carrier notice to insured filing requirements. All information provided in this guide is subject to change and dependent on notification from the state. Please refer to the applicable Workers Compensation Statutes or Rules for additional information. |
| NCCI POC Service Start Date | March 1, 1987 |
|
POC Contact Information |
Alabama Department of Labor—Workers Compensation Division
649 Monroe Street
Montgomery, AL 36131
Contact Name: Craig White
Tel:
334-956-4047
Fax:
334-956-4047
Email:
craig.white@labor.alabama.gov |
| How NCCI Provides POC Data to State | - IAIABC POC 3.0 format
-
Proof of Coverage Inquiry
|
|
POC Timeliness Reporting Requirements |
| Transaction Received Date | NCCI’s received date is used to determine timeliness on POC transactions accepted by the state. |
| Policies | State recommends reporting policies within 30 days after the Policy Effective Date. POC Notices may be reported if the policy will not be issued within 30 days after the Policy Effective Date. This does not eliminate the need to report the full policy. |
| Cancellations | State recommends reporting cancellations 10 days prior to the Cancellation Effective Date. |
| Reinstatements | State recommends reporting reinstatements within 30 days after the Reinstatement Effective Date. |
| Nonrenewals | Alabama is not a continuous coverage state. Nonrenewals are not required for POC—the Policy Expiration Date is recognized by the Alabama DOL. If a nonrenewal is reported, the transaction will be available through POC. |
|
POC Data Reporting Requirements |
Data Elements: -
Industry Code—Prefers a valid North American Industry Classification System (NAICS) code (2002, 2007, 2012, 2017, or 2022 codes)
-
Deductible Data Elements—when a policy covers Alabama and the coverage is written under a deductible program, Record Type 43—Deductible Endorsement must be reported with the State Code 01 and the following elements:
- Losses Subject to Deductible Code
- Basis of Deductible Calculation Code
- Deductible Amount Per Claim/Accident
- Refer to the POC Data Element Requirements Chart located in NCCI’s
Policy and Proof of Coverage (POC) Reporting Guidebook for all requirements
Address Reporting—No Physical Location: - When there is no physical location in the state, Alabama will accept Employer Names linked to:
- Address Type 6—No Physical Location
- Address Type 2—Location of Operations with an Out-of-State Address reported with State Code Link 01
- An out-of-state address is preferred
State Processing Exceptions: The Alabama DOL does not acknowledge the IAIABC POC data, so no IAIABC reports will be available. |
|
POC Penalties and Appeals |
| POC Fines | No fines are assessed for late reporting or missing POC data. |
| Appeals | No appeals process is in place because no POC fines are being assessed. |
Disclaimer:
This guide is comprised of materials and information which are proprietary to NCCI and are protected by United States and international copyright and other intellectual property laws. This guide is provided solely as a reference tool to be used for the limited purpose of providing information to carriers regarding the reporting of proof of coverage information in various states. The information in this guide shall not be construed or interpreted as providing of legal or any other advice as to the cancellation, renewal or nonrenewal of an insurance policy or contract. Use of this guide for any purpose other than as set forth herein is strictly prohibited. The guide is furnished “As Is” and includes information available at the time of publication only. NCCI makes no representations or warranties of any kind relating to this guide, and expressly disclaims any and all express, statutory, or implied warranties including the implied warranty of merchantability and fitness for a particular purpose. Additionally, you assume responsibility for the use of, and for any and all results, conclusions, analyses, or decisions developed, derived or obtained as a result of this guide and NCCI does not endorse, approve, or otherwise acquiesce in your actions, results, analyses, or decisions, nor shall NCCI have any liability thereto. |
|
|
