AmTrust: 8,117 Additional Audit Complaints Submitted

AmTrust: 8,117 Additional Audit Complaints Submitted

AmTrust North America is breaking the law. We encourage the California Division of Workers’ Compensation (DWC) to assert its role in upholding workers’ comp law and to impose appropriate consequences on this claims administrator for its blatant disregard of e-billing requirements.

For the first Quarter 2022, AmTrust failed to send 8,117 electronic Explanations of Review (e-EORs) in response to daisyBill providers’ e-bills.

On 5/3/2022, daisyBill emailed the designated AmTrust Claims Compliance Operations Manager to report the lack of AmTrust compliance for the first quarter of 2022.

In response to our email, the AmTrust the representative responded as noted below:

XXXXXX Manager, Claims Compliance Operations

“Given this issue was submitted to the DIR in the form of a complaint, our response to this issue will accordingly be directed to the DIR within the timeframe provided by the DIR.”

As non-compliant claims administrators too often demonstrate, regulation without consequences is merely a thin facade of the rule of law. daisyBill has now reported to the DWC a total of 39,631 instances where AmTrust failed to adhere to California workers’ compensation regulations.

California legislators and the DWC should penalize AmTrust for presuming to pick and choose which legal requirements suit its own purposes. The Audit Complaints submitted to the DWC are below.

1st Quarter 2022 AmTrust Claims Administrator Profile

To: XXXXXXX@dir.ca.gov

Subject: AmTrust - X12 835 Missing Q1 2022


Below is an Audit Complaint reporting credible data that AmTrust failed to send 8,117 electronic EORs (X12 835) to California providers as mandated by California law. This Audit Complaint data represents California workers’ comp e-bills submitted to AmTrust by providers from January 1, 2022, through March 31, 2022.

A provider's receipt of an electronic EOR (X12 835) closes the payment loop for a workers’ comp e-bill. Further, an electronic EOR automatically posts to the respective e-bill, thereby significantly reducing a provider's administrative burden of manually recording payment information to the respective e-bill.

For the first quarter of 2022, attached is a CSV list containing 8,117 e-bills providers submitted where AmTrust failed to return a mandated electronic EOR to the provider. The attached CSV list includes the following columns:

  • [Bill] Transmission Date: Column L
  • EOR (835) Compliance Due Date: Column V
  • EOR (835) Receipt Date: Column W - This column is BLANK because AmTrust failed to send daisyBill an electronic EOR (835).
  • Patient Name: Column AN
  • Claim Number: Column AO

On 5/3/2022, daisyBill emailed the designated AmTrust Claims Compliance Operations Manager to report the lack of AmTrust compliance for the first quarter of 2022.

In response to our email, the AmTrust the representative responded as noted below:

XXXXXX Manager, Claims Compliance Operations
“Given this issue was submitted to the DIR in the form of a complaint, our response to this issue will accordingly be directed to the DIR within the timeframe provided by the DIR.”

daisyBill is requesting that the DWC intervene to enforce California EDI regulations since AmTrust continues to fail to return the mandated EOR electronically (X12 835).

Per Title 8, California Code of Regulations section 10111.2(b)(10),(11), AmTrust should be subject to audit penalties.

Audit Complaint Details

This Audit Complaint Data submitted to the DWC represents a credible complaint and credible information of claims handling violations.

Bill Transmission: Original Bill / Second Review - 835 EOR Missing

Noncompliance: Claims administrator failed to send an electronic Explanation of Review (EOR) in the mandated ASC X12N/005010X221A1 (835) format, despite the claims administrator sending a 277 Acknowledgement accepting the Original Bill / Second Review Appeal.

DWC Rule 7.1 requires the claims administrator to electronically send an EOR to the provider using the X12 835 EDI standard within 15 working days of the e-bill.

Per California DWC Medical Billing and Payment Guide 7.2, any electronically submitted bill determined to be completed, not paid, or objected to within the 15 working day period, shall be subject to audit penalties per Title 8, California Code of Regulations section 10111.2(b)(10),(11).


daisyBill fights the good fight on behalf of workers’ comp providers. Reach out to see how we can help your practice obtain fast, correct reimbursement for treating injured workers.

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