Indiana WCIP rules give specific clarification on establishing effective dates. The below rules are from the Basic Manual Indiana Assigned Risk Special Rules, Article II, 2.05 and 2.09:
2.05 Securing a Requested Effective Date.
Online Applications
Applications are now done online through the NCCI RMAPS system which is located at www.ncci.com . To complete an online application you must use a Chrome or Edge browser and obtain a User ID and Password from NCCI, contact them at 800-622-4123. The effective date of the policy will be the day after the application has been entered into the system. All applications and payments must be processed through the NCCI RMAPS system, mail applications and paper checks are no longer accepted.
2.09 Binding of Coverage.
The Employer or the Employer’s Representative must submit the total required initial or deposit premium to the Plan Administrator using one of the submission methods approved by the Plan Administrator. The required initial or deposit premium must be received within the time frames established by the Plan Administrator in order for coverage to be bound on the requested effective date. The effective date on the binder will be the secured effective date determined in section 2.05 hereof entitled “Securing a Requested Effective Date” only if all of the following occur:
- The Plan Administrator has received complete application through the NCCI RMAPS system within the established time frame. Only the current editions of the ACORD® 130 and 133 applications, as determined by the Plan Administrator, are accepted for binding of coverage;
- The applicant is deemed eligible; and
- The Plan Administrator has received the total initial or deposit premium within an established time frame.
Coverage will not be bound by the Plan Administrator without complete and signed current editions of the ACORD® 130 and 133 applications and receipt of the appropriate deposit or initial premium.
