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Assigned Risk

  • How does an agent update their agency information in OAR?

    FAQ

    Click on “My Account” in the user area of the Home Page. Click on “edit profile”. Make your changes and select the update button. You will receive an email from MWCIA whenever changes are made to your profile.


  • Are 3rd party checks accepted as payment for hard copy Assigned Risk applications?

    FAQ

    Payment for hard copy applications must be made by certified check, bank draft, money order, finance check, employers check or agency check. 3rd party checks will not be accepted by the Assigned Risk Plan.


  • How do I make an online payment for an application submitted through OAR?

    FAQ

    If the MWCIA has assigned your application pending payment, then you must make electronic payment within two business days or coverage will not be bound. OAR will connect you to a secure U.S. Bank website to complete payment by electronic check or credit card. (Currently, the following credit cards are accepted: VISA, MasterCard.)

    Steps to make payment:

    1. After you have logged in to OAR, locate the application on the “My Applications” page. Click on the corresponding “Make Payment” icon.
    2. The payment amount will be displayed. Review and/or edit this amount. Also, be sure to note the “shared secret”. This information may be necessary to confirm your identity on the US Bank site. Click on the “Make Payment” button.
    3. Indicate the type of payment you wish to make: E-check or credit card. Click on the “Continue” button.
    4. Continue to step through the screens, confirming and/or providing the necessary detailed information to complete payment. Click on “Continue” to advance from one screen to the next.
    5. On the “Verify Payment - MWCARP online application” screen, click on the “Email” checkbox if you wish to receive a confirmation email from US Bank.


  • How do I make an attachment to an application for a payroll decrease?

    FAQ

    If you haven't already submitted the application, click on the rightmost application tab labeled “Attachments/Submit”. The “Attachments” screen will be displayed. At the top of the screen, OAR will list any attachments that are required based on data you have entered. To add an attachment, click on the “Add new attachment” link next to the green plus sign.

    If you have already submitted the application and you received an email from us requesting the payroll decrease information, you need to login to OAR. Select the appropriate application from the list and select "Manage attachments" then "add new attachment". From the drop-down list, select "Documentation verifying decrease in payroll".

    NOTE: For either a file or free-form attachment, be sure to click on the “Save” button to save your changes. Click “Save” for each separate attachment type.


  • Can I use the same username and password for OAR (Online Assigned Risk) as I do to view experience ratings?

    FAQ

    A separate username and password is required for OAR (Online Assigned Risk).


  • How do I make a correction to an OAR application?

    FAQ

    No changes can be made to an online application once the application has been submitted to MWCIA. Change requests can be sent to the servicing contractor once you have received an email that payment has been received. Allow one business day for the servicing contractor to receive the application data.


  • I forgot my username/password. How can I get into OAR?

    FAQ

    Refer to the OAR User Guide. Advance to this screen by clicking on the “Forgot Password” link in the User Area of the Home page. Enter the user name or the email address associated with your OAR account. OAR will email your username and password to the email address currently on record for your account.


  • Why am I not getting my emails through OAR?

    FAQ

    Click on “My Account” in the user area of the Home Page. Click on “edit profile”. Make sure that the email address on record is correct. If not, make the updates. You will receive an email from MWCIA whenever changes are made to your profile.


  • Can I mail you a check for an application submitted online?

    FAQ

    Online applications must be paid for electronically. If a check is mailed to MWCIA, it will be returned without coverage being bound.

    If the MWCIA has assigned your application pending payment, then you must make electronic payment within two business days or coverage will not be bound. OAR will connect you to a secure U.S. Bank website to complete payment by electronic check or credit card. (Currently, the following credit cards are accepted: VISA, MasterCard.)

    Steps to make payment:

    1. After you have logged in to OAR, locate the application on the “My Applications” page. Click on the corresponding “Make Payment” icon.
    2. The payment amount will be displayed. Review and/or edit this amount. Also, be sure to note the “shared secret”. This information may be necessary to confirm your identity on the US Bank site. Click on the “Make Payment” button.
    3. Indicate the type of payment you wish to make: E-check or credit card. Click on the “Continue” button.
    4. Continue to step through the screens, confirming and/or providing the necessary detailed information to complete payment. Click on “Continue” to advance from one screen to the next.
    5. On the “Verify Payment - MWCARP online application” screen, click on the “Email” checkbox if you wish to receive a confirmation email from US Bank.


  • I thought I submitted an online application but the status is "not submitted". How do I make sure the application has been submitted?

    FAQ

    To submit an application, you must be logged in and viewing the application. The application must be in a “Not Submitted” status. Click on the “Attachments/Submit” application tab. Then click on the “View & Submit” button.

    You will advance to the “View Application” page. A PDF (read-only, printable) version of your application will appear in the window. You may review the application and/or print a copy for your own records. To print, be sure to click on the printer icon at the top of the PDF window (rather than the browser print icon.)

    To submit the application, to MWCIA, click on the “Submit” button on the bottom of the “View Application” page. To cancel the submission, click on the “Cancel” button.

    Once you have submitted your application, you will not be allowed to modify or delete the application.


  • When making an online payment, there is a section that asks for “Contact Information”. Do I enter the employer's contact information or my own (as an agent)?

    FAQ

    If you are an agent submitting the online application for an employer, you should enter your contact information in this section. That way you will be notified by email that the payment has been received.


  • I received an email advising that the application I submitted was "Assigned Pending Payment" but additional information is needed. Can I email this information to MWCIA?

    FAQ

    Once an application has been submitted, all corrections/changes must be sent to the servicing contractor. The servicing contractor's address will be included in the email you receive from MWCIA advising that payment has been received. Please do not email this information to MWCIA.


  • Can I request a Certificate of Insurance from MWCIA?

    FAQ

    You can attach a request for a Certificate of Insurance to an online or hard copy application. MWCIA does not issue the certificate. The request is forwarded to the servicing contractor along with the assignment. If the application was submitted without the request for a certificate, you should contact the servicing contractor.


  • Does the minimum premium include the expense constant?

    FAQ

    Yes, however you will need to add the MN Special Comp Fund Assessment surcharge to the minimum premium.


  • If an Assigned Risk policy develops no premium during the policy period, does the employer receive any money back?

    FAQ

    Yes. If there was no audited payroll during the policy term, the employer will receive everything back except the minimum premium for the clerical code (8810).


  • How soon after I submit an Online Assigned Risk application do I receive notification of who the servicing contractor will be?

    FAQ

    Once you have made electronic payment, you will receive an e-mail from MWCIA advising who the servicing contractor is along with their address and phone number. All future correspondence should be sent directly to the servicing contractor.


  • What are the internet browser requirements for using OAR?

    FAQ

    We recommend:

    • Internet Explorer 11 or higher
    • Firefox 4.0 or higher
    • Safari (any reasonably recent release)
    • Chrome (any reasonably recent release)


  • If a MN Assigned Risk Plan policyholder has an employee or employees working in other states, will the MN Workers' Compensation policy provide coverage to that employee or those employees while working in those other states?

    FAQ

    Refer to MN statue 176.041, Excluded Employments; Application, Exceptions, Election of Coverage, Subds 3. and 4. For further clarification or interpretation, please contact the MN Department of Labor and Industry (651 284-5005 or 800 342-5354).


  • Can we add a Waiver of Subrogation to our policy?

    FAQ

    A risk may be eligible to request that the Waiver of Our Right To Recover Endorsement - WC 00 03 13 (waiver of subrogation) be applied to a specific job only. The risk must provide the Servicing Carrier with the following information: job location; a copy of the construction contract; duration of the job (including beginning date and ending date); a description of the work to be performed; the estimated payroll dollars expended on the job; the class code(s) of the employees on the job; and the number of employees on the job. The inclusion of this endorsement will generate an additional premium charge of 5% of the payroll for the specific job times the appropriate classification rate(s), divided by 100; subject to a minimum premium charge of $100. Contact your servicing carrier for further information.


  • How do I access the new "Agent Guide" for the Assigned Risk Program?

    FAQ

    You can click here to access it on the MWCARP website.