Free Ny Cpap Application Form
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The New York Construction Classification Premium Adjustment Program (CPAP) is an essential initiative designed to create a fairer workers' compensation insurance landscape for construction employers in New York State. Established in 1993 by the New York Compensation Insurance Rating Board (NYCIRB), this program aims to balance the premium disparities faced by high-wage and low-wage employers within the construction and contracting industries. To qualify for potential premium credits, employers must submit the NY CPAP Application form, which can be completed online or via a downloadable paper version. This application requires specific payroll information, particularly focusing on the third quarter payrolls, and it includes details about eligible classification codes and applicable payroll limitations. Understanding the nuances of the application process is crucial, as it directly impacts the credits an employer may receive. The CPAP not only helps mitigate the financial burden on high-wage employers but also promotes equity across the industry by ensuring that similar risks are met with similar costs. Navigating the application form can be straightforward if you pay attention to the provided instructions and FAQs, which clarify common questions and concerns. By leveraging this program, employers can potentially reduce their workers' compensation costs, making it a vital tool for those in the construction sector.
Similar forms
- Workers' Compensation Claim Form: This document is used to report injuries or illnesses that occur in the workplace. Like the NY CPAP Application, it requires detailed payroll information and classification codes to determine eligibility for benefits. Both forms aim to ensure fair treatment of employers and employees in the context of insurance premiums and claims.
- Employer's Quarterly Payroll Report: This report provides information on the total payroll for employees over a specific quarter. Similar to the NY CPAP Application, it uses payroll data to assess eligibility for premium adjustments. Accurate reporting is crucial in both documents to avoid discrepancies in credits or benefits.
- Insurance Premium Audit Report: This report is generated after an audit of a company's payroll and insurance records. It shares similarities with the NY CPAP Application in that it reviews payroll figures and classification codes to determine premium adjustments. Both documents require precise information to ensure fair premium calculations.
- State Tax Credit Application: This application allows businesses to apply for tax credits based on payroll and employment practices. Like the NY CPAP Application, it assesses eligibility based on payroll data and employee classifications. Both documents aim to provide financial relief to businesses that meet specific criteria.
- Employee Classification Form: This form is used to classify employees according to their job duties and responsibilities. Similar to the NY CPAP Application, it requires accurate classification to determine eligibility for various insurance benefits and credits. Proper classification is essential in both forms to ensure compliance with regulations.
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NEW YORK CPAP - Main Menu
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NEW YORK COMPENSATION INSURANCE RATING BOARD
200 East
Telephone (212)
www.nycirb.org
RE: Workers Compensation Insurance
New York Construction Classification Premium Adjustment Program
Since 1993, the New York Compensation Insurance Rating Board has overseen and
managed the New York Construction Classification Premium Adjustment Program (NYCCPAP), also known as CPAP. This Program was developed to address premium differences between high wage and low wage paying employers in the construction/contracting industries in New York State.
The CPAP provides premium credits to experience rated employers whose employees earn an average of $15.50 or more in one or more of the eligible classification codes. Our records indicate that, based upon the classification codes stated on your workers compensation insurance policy, you may be eligible for a premium credit when your policy renews.
To apply for this credit, please visit:
http://cpap.nycirb.org/
Once on the website you can fill out an online application or download a paper version. When on the website, please review all of the application instructions (where you will find a listing of eligible classification codes as well as what quarterly payrolls are required and what limited weekly payroll applies). Additional information is provided in the FAQ's and the “Do's and Don'ts” sections of the website. The information contained in these sections is very important for proper completion of the application, whether submitting it online or via paper.
The release and distribution of the CPAP credit is explained on the website. In all instances, the final credit, if any, will be released to the appropriate insurance carrier by the NYCIRB staff. Should you have any questions, please contact your agent, broker or insurance carrier.
New York Compensation Insurance Rating Board
Field Services Division
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Monthly CPAP Letter to Insureds |
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NEW YORK COMPENSATION INSURANCE RATING BOARD
WHAT IS CPAP?
The New York Construction Classification Premium Adjustment Program (CPAP) is a program implemented by the NYCIRB in 1993 in order to address premium differences between high wage and low wage paying employers in the construction industries.
At that time it was noted that although both high wage and l ow wage employers performed similar work, the high wage employers were paying a disproportionate premium solely due to the wages that they paid their employees. This disproportionate premium payment affected the ability of the high wage paying employers to obtain jobs when their workers compensation costs were higher than those of the lower wage paying employers, despite having similar risk to injury on jobs.
This program attempts to close the premium differential by granting credits on policies based on the hourly wage paid by employers. The higher the wage paid, the higher the credit, which would offset the disparity in payrolls and allow for a more equitable premium charge for those employers in the same industries.
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CPAP
Q.What payroll is to be reported on an application?
A.The program uses the third quarter (July, August & September) payrolls as outlined in the application instructions. Do not use yearly totals.
Q.What maximum weekly payroll ( as def ined by t he Payroll Limitation Law) is us ed on an application?
A.The maximum payroll, as outlined in the appl ication instructions for the third quarter payrolls submitted, is used.
Q.Can the weekly payroll maximums be different on an application and a policy?
A.Yes. The application uses the weekly maximum applicable to the third quarter payrolls submitted while the policy to which the credit applies uses whatever maximum is in effect for the policy period.
Q.Do overtime hours and payrolls need to be reported?
A.Yes. Overtime hours and wages are to be included subject to overtime and payroll limitation rules (i.e. the weekly payroll maximum needs to be reported along w ith the total hours worked including all overtime hours).
Q.Are
A.Yes. An employer's credit is based on payrolls from all policies issued for an insured.
Q.Are the credits indicated in the manual the final credits determined after the calculation?
A.No. T he calculation of a credit is a
Q.Do payrolls for
A.Yes. Since any calculated credit applies to the entire policy premium, all payrolls must be included on the application.
Q.Do hours worked need to be reported for
A.Yes. At least one (1) hour needs to be entered or the calculation will not process.
Q.Does an employer need to be experience rated for the policy period to which any calculated credit applies?
A.Yes. Although an insured may have previously been experience rated, they cannot apply for or receive a credit if they are not experience rated for the policy period to which any credit applies.
Q.When is an application considered too late to process?
A.Applications must be received prior to the expiration date of the policy to which any credit applies. This pertains to all policies including short term policies.
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NEW YORK COMPENSATION INSURANCE RATING BOARD
Q.When is a reapplication considered too late to process?
A.A revised appl ication must be received no later than one (1) y ear after the expiration date of the policy to which the credit applies.
Q.H ow is the payroll treated when an employee works part of a week on a
A.The payrolls under each job, and policy, are treated separately. The employee must earn more than the maximum under both or one of the jobs in order to have the payroll limitation apply to either.
Q.Does a calculated credit apply to all of an insured's policies?
A.Yes. As an application must include the payrolls of all of an insured's policies, the credit applies to all of an insured's policies.
Q.What should I do if I receive a zero (0%) credit on the CPAP worksheet?
A.If you receive a worksheet with a zero (0) credit, your application “does not qualify” for one or more reasons. Your carrier will receive a letter from the Rating Board explaining the reason(s) for the
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NEW YORK COMPENSATION INSURANCE RATING BOARD
THE DO’S
AND
THE DON’TS
OF CPAP
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NEW YORK COMPENSATION INSURANCE RATING BOARD
* GENERAL - Online and Paper Application *
DO
•Do read the Help, FAQ and ‘Do's and Don'ts’ before filling out either the online or paper application.
•You must fill in all required fields. The Rating Board will not fill in required fields which are left out or blank.
•Only report 3rd quarter wages and hours ( July, A ugust & S eptember) of t he c alendar year.
•Executive officers are to be listed separately and indicate that they are executives. The hours to enter in this case will always be 520 hours.
•Provide the correct effective date and c arrier. Refer to your WC policy. If you indicate an effective date and carrier which cannot be found in our system, the application will fail to process.
•Apply the proper payroll cap for commercial work only. Check the i nstructions for the proper payroll cap.
•Have a vailable the complete policy number including both the alpha and numeric characters.
•Check the application for completeness and accuracy prior to submitting or entering data online.
•Results are provided to t he insured, authorized representative and the known active carrier. If you are the insured or authorized representative, send the result to the underwriter at your insurance company. The Rating Board will also automatically send a copy to the carrier, but be aware that the specific contact could be different and could then cause a delay in receiving the credit.
•If you receive a CPAP Worksheet with a zero (0%) credit, your application “ does not qualify” for one or more reasons. Your carrier will receive a letter from the Rating Board
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GENERAL - Do's & Don'ts |
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explaining the reason(s) for the
DON'T
•Do not keep resubmitting the same application. If you do the system will reject it saying one already exists.
•Do not use hourly or weekly wages. Only 3rd quarter wages and hours of the calendar year are to be used.
•Do not send incomplete applications. It is your responsibility to submit a complete application.
•Do not include Executive Officers if they are excluded from the policy.
•Do not leave the ‘hours’ field blank. If you have a classification code with wages, you must indicate the hours.
•Do not contact the Rating Board if you are not the authorized contact for the insured. A Letter o f Authority is needed on the insured's letterhead for any other unauthorized contact.
•Do not expect a credit to be processed if it is not received within the proper timeframe (no later than 6 m onths pr ior t o r enewal f or paper applications, and 3 months pr ior to renewal for online applications).
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* Online Application *
DO
•Do read the Help, FAQ and “Do's and Don'ts” before filling out either the online or paper application. You must check the “Yes” box in order to proceed further.
•Complete and fill out everything in Section 1 of the application before proceeding further.
•Complete and fill out applications within 3 months of to the policy renewal date. If the entry is attempted beforehand, it will fail and not get processed.
•Have available and fill out the policy number as it appears on the policy information page
including al pha and nu meric characters, w ith no spaces or punctuation marks. It is necessary that you have the required policy number. Otherwise, the system will not find your policy and you will not be able to proceed.
•Complete and fill out hours if you entered wages next to a classification code. Hours are required for all eligible classification codes for your risk.
•Do double check the online application's figures before submitting. Once submitted for processing, you cannot go back to make corrections.
•Do use 3rd quarter wages and hours of the calendar year (July, August & September) only.
•Do us e the proper payroll cap for t he quarter ( Please refer to the i nstructions for t he proper payroll cap).
•When y ou are instructed t o retrieve your worksheet onl ine, y ou will ne ed to t ype the password exactly how it was provided to you. The password is case sensitive, so it is recommended that you cut and paste it from the email that was sent to you.
•When you receive your CPAP credit and worksheet, send it immediately to your insurance carrier in order to ensure that the credit is received and added t o your policy.
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Although t he R ating Board w ill also send t he worksheet to t he i nsurance c arrier, it is possible there are different contacts.
•Your worksheet is accessible for 30 days from the date of entry/submission. We recommend that when you receive the PDF file worksheet that you save it locally. After one month (30 days) the worksheet is removed from our system.
•Do send a copy of the credit worksheet result to all that need to know of the credit. The person completing the application online will g et a user name and password, which is used to obtain the credit and worksheet. It is that person’s responsibility to provide the credit worksheet result to all necessary and appropriate people.
•For example, do send a copy of the worksheet to:
The insured and insurance carrier if you are the broker filling out the application
The broker and insurance carrier if you are insured filling out the application
The insured and broker if you are the insurance carrier filling out the application
•Contact your carrier if you receive a CPAP Worksheet with a zero (0%) credit, your application “does not qualify” for one or more reasons. Y our carrier will receive a l etter from the Rating Board explaining the reason(s) for the
DON'T
•Do not leave any thing blank in Section 1 . This section must be filled out entirely; otherwise you will not be able to proceed.
•Do not fill out applications more than 3 months prior to the renewal. If you attempt to do so, the entry will fail because the experience modification (mod) would not yet be available for the renewal policy.
•Do not enter information for Executive Officers if they are excluded from coverage.
•Do not leave the ‘hours’ field blank if you indicated wages. Hours are now required for all codes including
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Common mistakes
Filling out the New York CPAP Application form can seem straightforward, but many people make common mistakes that can hinder their chances of receiving the premium credits they seek. One frequent error is failing to report the correct payroll period. The application specifically requires payroll figures from the third quarter, which includes July, August, and September. Using annual totals instead can lead to disqualification.
Another mistake is neglecting to include overtime hours and wages. Many applicants mistakenly believe that only regular hours need to be reported. However, the application states clearly that all hours worked, including overtime, must be included. Omitting this information can result in an inaccurate credit calculation.
Some applicants also overlook the requirement to report payrolls for non-eligible classification codes. While these codes may not qualify for credits, all payrolls must still be included in the application. Failing to do so can lead to complications in the processing of the application.
Additionally, people often forget to check their experience rating status. If an employer is not experience rated for the policy period, they cannot apply for or receive a credit. This is a crucial step that should not be overlooked, as it can result in wasted time and effort.
Another common error is submitting the application after the deadline. Applications must be received before the expiration date of the policy to which any credit applies. Waiting too long can mean missing out on potential credits, so it's important to be aware of these deadlines.
Some applicants also fail to provide at least one hour of reported work for non-eligible classification codes. This is essential for the calculation to process correctly. If this requirement is ignored, the application may be rejected.
Lastly, misunderstanding the credit calculation process can lead to frustration. Many people assume that the credits indicated in the manual are the final credits. In reality, the calculation involves a two-step process that takes into account an employer's experience modification loss data. Being aware of this can help applicants better understand their potential credits and avoid disappointment.
More About Ny Cpap Application
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What is the CPAP?
The New York Construction Classification Premium Adjustment Program (CPAP) is designed to create fairness in workers' compensation insurance premiums for construction employers. Established by the New York Compensation Insurance Rating Board (NYCIRB) in 1993, it aims to reduce the disparity in premiums between high wage and low wage employers in the construction industry. The program provides premium credits to employers whose employees earn an average of $15.50 or more in eligible classification codes.
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What payroll should be reported on the application?
When filling out the application, you should report the payroll for the third quarter, specifically for July, August, and September. It’s important not to use yearly totals, as the program is designed to assess payrolls for this specific period.
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Can the weekly payroll maximums differ between the application and the policy?
Yes, they can differ. The application uses the weekly maximum applicable to the third quarter payrolls you submit. In contrast, the policy uses whatever maximum is in effect for the policy period. This distinction is crucial for accurate reporting.
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Are overtime hours included in the payroll report?
Yes, overtime hours and wages must be included in your application. However, they should be reported in accordance with overtime and payroll limitation rules. This means that you need to ensure that the total hours worked, including overtime, is accurately reflected.
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What if my application includes payrolls for non-eligible classification codes?
Payrolls for non-eligible classification codes must still be reported on your application. Since the calculated credit applies to the entire policy premium, it’s essential to include all payrolls. Additionally, at least one hour worked must be reported for these non-eligible codes for the application to process correctly.
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When is an application considered too late to process?
Your application must be received before the expiration date of the policy to which any credit applies. This rule applies to all policies, including short-term ones. Timeliness is key to ensuring your application is processed.
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What should I do if I receive a zero (0%) credit on the CPAP worksheet?
If you find that your worksheet shows a zero (0) credit, it indicates that your application does not qualify for one or more reasons. The carrier will receive a letter from the Rating Board detailing the reasons for non-qualification. It is advisable to contact your carrier for clarification and guidance on how to address the situation.
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How is payroll treated when an employee works on both a wrap-up job and a regular job?
In cases where an employee works part of a week on a wrap-up job and part on a regular job, the payrolls for each job and policy are treated separately. The employee must earn more than the maximum under either job for the payroll limitation to apply.
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Does a calculated credit apply to all of an insured's policies?
Yes, the calculated credit applies to all policies held by an insured. Since the application must include payrolls from all policies, the credits are not limited to just one policy but extend across the board.
Misconceptions
Here are five common misconceptions about the New York CPAP application form:
- Misconception 1: The CPAP application is only for large employers.
- Misconception 2: You can submit the application at any time.
- Misconception 3: Overtime hours do not need to be reported.
- Misconception 4: The credits shown in the manual are the final credits.
- Misconception 5: Only payrolls for eligible classification codes need to be reported.
This is not true. The CPAP program is designed to help all eligible employers in the construction industry, regardless of their size, as long as they meet the wage requirements.
Applications must be submitted before the expiration date of the policy to which the credit applies. Late submissions will not be processed.
This is incorrect. Overtime hours and wages must be included in the application to ensure accurate credit calculations.
The credits in the manual are just the base credits. The final credit is determined after considering the employer's experience modification loss data.
All payrolls, including those for non-eligible classification codes, must be reported on the application. This is necessary because the calculated credit applies to the entire policy premium.
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Key takeaways
Key Takeaways for the NY CPAP Application Form:
- The New York Construction Classification Premium Adjustment Program (CPAP) aims to provide premium credits to employers in the construction industry who pay higher wages, helping to balance insurance costs across different wage levels.
- To apply for CPAP credits, visit the official website where you can fill out an online application or download a paper version. It is essential to review the application instructions thoroughly.
- Accurate payroll reporting is critical. The application requires third-quarter payrolls, including overtime, and must reflect all relevant policies and classifications, even those that are non-eligible for credits.
- Applications must be submitted before the expiration date of the insurance policy to which the credits apply. Any revisions to applications also have a strict one-year deadline after the policy expiration.
Ny Cpap Application: Usage Guide
Completing the New York CPAP Application form is an essential step for employers in the construction industry seeking potential premium credits. By following these steps, you can ensure that your application is filled out accurately and submitted on time.
- Visit the New York Compensation Insurance Rating Board (NYCIRB) website at http://cpap.nycirb.org/.
- Choose whether to fill out the online application or download a paper version of the form.
- If using the paper form, print it out and gather the necessary information, including your workers' compensation insurance policy details and payroll records.
- Complete the application by entering your company information, including the name, address, and contact details.
- Provide the classification codes relevant to your business as listed in the application instructions.
- Report your payroll for the third quarter (July, August, and September) accurately, including any overtime hours worked.
- Ensure that you include payrolls for all policies issued for your business, even those with non-eligible classification codes.
- Double-check all entries for accuracy and completeness, ensuring that all required information is provided.
- If submitting the paper application, sign and date it where indicated. If submitting online, follow the prompts to complete the submission process.
- Keep a copy of the completed application for your records.
- Submit the application before the expiration date of your policy to ensure it is processed in time.
After submitting your application, it will be reviewed by the NYCIRB staff. They will determine if you qualify for a credit based on the information provided. If you have any questions during this process, reach out to your insurance agent or broker for assistance.