NYSIF PayGo

Your Pay-As-You-Go Solution

Connecting Your Payroll and Premium in Real Time!

PayGo aligns workers’ compensation premiums to your payroll each pay period. As your payroll changes, so does your premium in real-time – always creating a direct connection to current business conditions. Even if you do your payroll in-house, PayGo is still the most convenient way to pay.

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How It Works

  1. Email us to start your enrollment request. Please provide your contact details, policy number, payroll frequency, and the name of your current payroll provider. Once we receive this information, we will contact you with the following steps: Choosing Your PayGo Vendor.
  2. Once your vendor is selected, they will contact you with an email containing steps for creating a portal to log-in and start reporting.
  3. Once you start reporting (you can choose weekly, bi-weekly or monthly), your payroll information will be transferred to NYSIF. This information will allow for a smoother payroll verification at the end of your policy year. This is why it is important to report your payroll even during low periods, or periods where there is nothing to report.

PayGo partners with InsurePay, SmartPay, and Paychex for a smooth reporting experience. These vendors work with most payroll providers so you can rest assured that PayGo is the right fit for you.

How PayGo Benefits You!

  • $0 Upfront – No premium deposit needed to initiate coverage.
  • Maximize Cashflow – Premium payments are better connected to your cash flow, allowing you to put your cash right back into your business.
  • Never Miss a Payment – PayGo deducts your payments from your bank account when payroll is reported, reducing the likelihood of late or missed payments and eliminating late fees.
  • Eliminate the Need for Estimated Audit – Reporting with PayGo keeps your payroll always up to date for payroll verifications. Your premiums will no longer have to be estimated, increasing accuracy.
  • In-house Payroll? No problem! – Enjoy the advantages of PayGo even if you do not use a payroll provider.
  • Seasonal Business Benefits – PayGo keeps pace with the month-to-month flows of seasonal business.

For questions, please email us at PayGo@nysif.com or visit our Frequently Asked Questions section.


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