Coverage Solutions

UC Assure offers coverage alternatives that can be designed to fit your organization’s preference, budget and unemployment requirements. Coverage fees are final with no audits, true-ups, or year-end reconciliation. Rates are based on your gross annual payroll rather than state unemployment wage bases. States can (and have) increase taxable wage bases mid-year and make it retroactive to supplement their unemployment fund deficits and insolvency. Additionally, vacated positions that are refilled are taxed again; whereas, gross payroll remains fairly even. UC Assure eliminates these concerns and safeguards your unemployment budget.

Most of our coverage options include expert claims administration, benefit charge auditing, unlimited unemployment hearing representation, as well as many other HR related tools.

First Dollar Coverage: a complete risk management program, starting at the very first dollar paid out in benefits to former employees. This is designed for individual employers wishing to outsource their total unemployment compensation program to the specialized experts. Former employees will still file and collect from the state; however, UC Assure will be reimbursing the state for the costs incurred.

Excess Coverage (stop gap): this risk management coverage option is designed specifically to allow an organization to self-insure a portion of their unemployment program and plan unanticipated unemployment. This option helps protect an organization’s assets by capping your liability and providing a layer of insurance that covers unemployment obligations beyond the self-insured retention.

Group Coverage: excess coverage intended for an unemployment group as a whole, and/or individual members within a group or pooled unemployment arrangement. While each organization in the group remains responsible for its own unemployment charges, a situation in which multiple members exceed their account balances could easily arise causing financial instability to the group entity. UC Assure can insure: a) the individual members so they are covered for their unexpected claims liability in excess of their account balance, and/or, b) the entire group overdrawn members’ liability.

Mandated Surety Bonds: many states require collateral when an organization becomes a reimbursing employer. As a U.S. Treasury approved surety bond provider, Ohio Indemnity Company can provide this security. Reduced rates are available when purchased with other Ohio Indemnity products.

Contact us to determine which program is best for you.

Claims Solutions

With most UC Assure coverage options, customers receive exceptional unemployment claims management and valued added services from both our dedicated, highly accountable unit of TALX and our knowledgeable, friendly UC Assure account managers.

Unemployment regulations are getting more complex, and it requires employers to have expertise and experience in effectively managing their unemployment claims activities to drive bottom line results. Partnering with UC Assure guarantees your unemployment claims are handled by the most qualified administrator in the country, leading to reduced costs and human resource time investments.

Services include:

Claims Administration: Customers receive service that is second to none, starting with the initial filing to final disposition of unemployment claims.

Communication: Customers receive continual and timely updates regarding pertinent legislative issues that affect their jurisdiction(s) ever changing unemployment environment.

Expert Advice: In addition to superior TALX services, UC Assure adds the special layer of an experienced internal account manager to ensure your unemployment program’s needs are met.

Hearing Consultation and Representation: Our coverage includes unlimited hearing representation along with proactive consultation on effective documentation and disciplinary practices. Employers acquire necessary support and assistance on proper documentation along with hearing preparation and presentation resulting in more favorable outcomes.

Benefit Charge Audits: Every claim and benefit charge statement is examined to verify proper benefit payments as well as to protest and remove erroneous overpayments and charges. Nationwide, an estimated $3 billion dollars are erroneously charge to employers every year.

Client Education: Includes online e-training, best practice claim documentation and response, educational seminars and webinars. UC Assure also includes 2 complimentary licenses to TALX Learning Solutions, an interactive internet based training program designed to help managers control unemployment costs. It focuses on proper documentation, employee performance, and affective responses to claims, etc.

Reports: The Pinnacle claims management utilized by TALX UC eXpress is a proprietary system. It is designed to electronically manage the prioritization, distribution and timely processing of claims, determinations, hearing notices and appeals. It integrates with state unemployment regulations to ensure proper compliance. Updated daily, UC Assure customers have access to real-time claims information.

UC Assure’s expert dedicated unit of TALX lowers your unemployment costs by streamlining the day-to-day claims processing, consulting on appeals, unlimited hearing representation, auditing benefit charge activities, and providing actionable reporting of results.