ADP's Pay-by-Pay® Premium
Payment Program integrates your
workers’ compensation premium
payments directly with your payroll.

ADP Pay-by-Pay Premium Payment Plan


ADP Pay-by-Pay Premium Payment Program for Workers' Compensation InsuranceADP’s Pay-by-Pay
Premium Payment Program

Complex tasks such as making workers’ compensation premium payments, disrupt workflow and steal focus from your priorities.

ADP’s Pay-by-Pay
Premium Payment Program

Pay-by-Pay is a payroll enhancement solution from our affiliate, ADP, LLC. (ADP) — integrates your workers’ compensation premium payments directly with your payroll, for an integrated payroll and workers compensation insurance solution. Pay-by-Pay uses your actual payroll data and carrier rates to calculate your premiums— improving accuracy and minimizing the chance of a surprise at audit time. What’s more, premium payments are spread out over your payroll and forwarded to your carrier directly, which may improve your cash flow and save time.

ADP’s Pay-by-Pay: Control cash flow

What would you do if you had extra cash to put back into your business? Pay-by-Pay is a unique solution that offers your company a simple and efficient way to free up cash:

  • No upfront premium deposit is required*, which frees up funds that you can invest in your business to build profitability
  • Premium payments are based on actual, not estimated, payroll data and carrier rates, to minimize over or underpayments at your year-end audit
  • Payments are spread over your company’s payroll cycle so you know what to expect and when




  • 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 underpayment at year-end audit
  • Need to hand write checks and send via mail risking late payment or cancellation
  • Eliminates writing checks and assures accurate, on-time payments

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

Simple. Convenient. Reliable.

Your business demands prompt attention. But filing and finding forms and keeping track of payment schedules can weigh you down. When it comes to handling workers’ compensation premium payments, you need a solution that makes your life easier: 

  • Gives you more time to focus on the work that really fuels your business
  • Helps manage the paperwork, and minimizes your valuable time managing complicated premium payment
  • Decreases the risk of late payment policy cancelations because payments are forwarded directly to your carrier
  • Puts you in control of your workers’ compensation payment information

Detailed reporting allows you to track and manage premiums paid — every time you process payroll. You also have access to information at the employee, state and class-code level, allowing you to better manage your workers’ compensation expenses.
ADP’s Pay-by-Pay clients enjoy valuable and attractive benefits from a specialized service team that offers personalized and reliable support. You want to grow a stronger, smarter business. We can help you get there.



* While premium deposits may be eliminated by most carriers, mandatory state assessment fees may be required in some states.
**Applies to Health and Benefits offerings

Payroll Services are offered through ADP, LLC. ADP, the ADP Logo, Pay-by-Pay, Workforce Now, and RUN powered by ADP are registered trademarks of ADP, LLC. Copyright ©2017 ADP, LLC.