Give your clients

cash-flow control.


ADP’s Pay-by-Pay® Premium Payment Program for Workers’ Compensation gives your clients an accurate and convenient way to manage Workers’ Compensation premium payments.

With Pay-by-Pay, premium payments are based on actual, not estimated, payroll data and carrier rates. Payments are spread over a company’s payroll cycle, which eliminates the need for the large up-front deposit* that can be a burden for cash-strapped businesses.

Compare and see the difference with Pay-by-Pay:

Traditional Workers’ Compensation ADP’s Pay-by-Pay Premium Payment Program for Workers’ Compensation
A 25-100% premium deposit required No premium deposit required*
Premium based on estimated annual payroll Premium based on actual payroll and carrier rates
Limited payment terms (e.g., monthly, quarterly, semi-annual, annual) Payments spread out over company’s payroll cycle
Greater risk of additional premium due at year-end audit Reduced risk of over- or under-payment at year-end audit
Requires handwritten checks that must be sent via mail, which could result in late payment or cancelation Eliminates check writing and ensures accurate, on-time payments

Let your clients know there’s a superhero on their side.

Become a hero in your clients’ eyes by recommending ADP’s Pay-by-Pay. The benefits are powerful for your clients. ADP’s Pay-by-Pay helps them:
  • Improve cash flow
  • Reduce the risk of year-end audit surprises
  • Avoid costly fees and penalties due to inaccurate or late payments
  • Focus on business growth strategies instead of a cash crunch
To learn more, Contact your ADP representative today!


* While premium deposits may be eliminated, mandatory state assessment fees may be required in some states.

This information covers only the offering of the Premium Payment Program for Workers’ Compensation payroll features of ADP’s payroll processing services and does not involve the offer or sale of any insurance products. All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners. Certain services may not be available in all states. Clients must be using ADP’s tax filing service to take advantage of the Premium Payment Program. The ADP Logo and Pay-by-Pay are registered trademarks of ADP, Inc. CA license # 0D04044. ©2010 ADP, Inc
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Pay-by-Pay Fact Sheet
A Workers’ Compensation Payment Plan That Fits Your Business Needs: Pay-by-Pay allows you to change the way you pay your Workers’ Compensation insurance premiums.

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