POC State Guide - Maryland

Posted Date: June 11, 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	May 1, 1987
POC Contact Information
Maryland Workers Compensation Commission 10 East Baltimore Street Baltimore, MD 21202-1641 Contact Name: Stacey Roig, Director of Insurance Tel: 410-864-5298 Fax: 410-864-5291 Email: info@wcc.state.md.us Web: www.wcc.state.md.us
How NCCI Provides POC Data to State	NCCI Daily POC 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	Due within 45 days after the Policy Effective Date. POC Notices may be submitted if the policy will not be issued within 45 days after the Policy Effective Date. This does not eliminate the need to submit the policy.
Cancellations	Cancellation by Insurer If the insurer cancels the insurance policy for nonpayment of premium, the Notice of Cancellation shall be filed at least 10 days before the effective date of the cancellation, in compliance with Insurance Article, IN §19-406(g), Annotated Code of Maryland. If the insurer cancels the insurance policy for any other reason, the Notice of Cancellation shall be filed at least 45 days before the effective date of the cancellation, in compliance with Insurance Article, IN §19-406(b), Annotated Code of Maryland. Cancellation by Insured When the cancellation is initiated by the insured, the Notice of Cancellation shall be filed by the insurer within 15 days after the effective date of the cancellation. New Policies After 45-day Underwriting Period or Renewal Policies— Cancellations are due no less than 45 days prior to the Cancellation Effective Date unless cancelled due to nonpayment of premium. Cancellations because of nonpayment of premium are due 10 days prior to the Cancellation Effective Date.
Reinstatements	Due within 15 days after the Reinstatement Effective Date.
Nonrenewals	Maryland is a continuous coverage state. Nonrenewals are required and must be reported no less than 45 days prior to the effective date of the nonrenewal cancellation.
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, Maryland will accept Employer Names linked to: Address Type 6—No Physical Location Maryland will not accept Employer Names linked to an Address Type 2—Location of Operations with an Out-of-State Address State Processing Exceptions: None
POC Penalties & Appeals
POC Fines	The amount of $300 is assessed per occurrence for late reporting. If the fine is not paid within 60 days, the case is sent to a collection agency, and a $51 collection fee is added (which is strictly enforced). Currently, no fines are assessed for missing data.
Appeals	Appeals must be filed with the state within two weeks from the date of the fine notice.
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.