POC State Guide - Colorado

Posted Date: February 28, 2024

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	November 1, 1994
POC Contact Information
Colorado Department of Labor and Employment Division of Workers Compensation 633 17th Street 4th Floor Denver, CO 80202-3610 Contact Name: Kelli Eldredge Tel: 303-318-8742 Fax: 303-318-8739 Email: Kelli.Eldredge@state.co.us
How NCCI Provides POC Data to State	IAIABC POC 2.0 format Proof of Coverage Inquiry Note: Carriers are required to complete the Colorado Form WC95 Request for Insurer Information prior to reporting workers compensation coverage in Colorado for the first time.
POC Timeliness Reporting Requirements
Transaction Received Date	NCCI’s received date is used to determine timeliness on POC transactions accepted by the state, so long as the transaction is accepted by the state. Rejected transactions will not be considered in timeliness reviews.
Policies	Due within 30 days after the Policy Effective Date. POC Notices may be submitted if the policy will not be issued within 30 days after the Policy Effective Date. This does not eliminate the need to submit the policy.
Cancellations	Due within 30 days after the Cancellation Effective Date.
Reinstatements	Due within 30 days after the Reinstatement Effective Date.
Nonrenewals	Colorado is not a continuous coverage state. Nonrenewals are not required for POC–the Policy Expiration Date is recognized by the Colorado Department of Labor and Employment. Per the state’s request Nonrenewal transactions are not sent through POC.
POC Data Reporting Requirements
Data Elements: 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, Colorado will accept Employer Names linked to: Address Type 6—No Physical Location Colorado does not accept Employers linked to Address Type 2—Location of Operations with an Out-of-State Address reported with State Code Link 05 State Processing Exceptions: None
POC Penalties & Appeals
POC Fines	Fines of up to $1,000 per day are allowed to be assessed (beginning the 31st day after the Policy Effective Date) for late reporting.
Appeals	Appeals must be filed with the state within 20 days from the date of the order's certificate of mailing.
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.