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News, data, & insights about workers' comp billing

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2016 Claims Administrator Days to Payment: Liberty Mutual to AmTrust

February 17, 2017 by Catherine Montgomery

If you’re a regular visitor to our blog, you’ll recognize a common refrain: Electronic billing for California workers comp is fast, efficient, and easy. How fast, exactly? California Labor Code § 4603.4 makes it pretty clear: “Payment for medical treatment provided or prescribed by the treating physician… shall be made with an explanation of review by the employer within 15 working days after electronic receipt” of an electronic bill.¹

Now that all of our data from 2016 is officially in the books, let’s take a closer look at which claims administrators beat this fifteen-day requirement for original medical treatment bills – and which ones left something to be desired.

Throughout the calendar year, DaisyBill received electronic explanations of review (EORs) for almost 350,000 original medical treatment bills alone. Of course, many more electronic bills for medical treatment were submitted – many never even received an EOR. But that’s a story for a different blog post.

First, we isolated the top 20 claims administrators for the 350,000 bills that received EORs by volume.

2016 Claims Admin Volume Medical Treatment

Many of these names are probably familiar to you, with State Compensation Insurance Fund, Sedgwick, Gallagher Bassett, CorVel, and Liberty Mutual doing the heaviest lifting.

The real question, of course, is how these juggernauts perform against the requirement of Labor Code 4603.4. To visualize compliance with this regulation, we graphed our top twenty claims administrators by average business days to payment. Remember, fifteen is the magic number here, represented by the dotted line below.

Avg Days to Payment Top 20 Original Med Treatment e-Bills


Long-time readers won’t be surprised to see Liberty Mutual leading the way once again, with a blistering average of 5.48 business days to payment. Only one other claims administrator – The Zenith – delivered payment on original submissions of medical treatment bills in seven business days or fewer, with an average of 6.85. SCIF, Gallagher Bassett, Travelers, Broadspire, Berskshire Hathaway, and Keenan & Associates also came in under ten business days.

Unfortunately, non-compliance was common among the top twenty claims administrators in 2016. Tristar Risk Management, AIG Claims, Intercare Holdings Insurance, and AmTrust North America all failed to consistently meet the fifteen-day deadline. That’s four non-compliant claims administrators from the top twenty – a whopping 25%. AmTrust North America and Tristar Risk Management were particularly egregious, with average business days to payment of 20.43 and 17.81, respectively.

Meanwhile, the U.S. Department of Labor, which is not subject to California state regulations and is therefore exempt from the mandate in Labor Code 4603.4, nonetheless averaged a respectable 10.97 business days to payment.

We’ll be back in the coming weeks with an analysis of top-performing claims administrators, plus days to payment overviews for medical-legal bills, second reviews, and more. In the meantime, here’s to a compliant 2017.

¹ Full text of Labor Code § 4603.4 here.

Tired of submitting your work comp via mail and waiting weeks – if not months – for payment to come through? We can show you a better way. Click below to schedule a demo and experience the power of electronic billing.


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DaisyBill is a trusted authority on workers’ comp billing. Thousands of work comp professionals attend our webinars and state agencies and professional organizations turn to us for our expertise. We created this blog to help everyone involved in workers’ compensation; sharing news, tips, and data of interest to the community.

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