Anchorreclaim

Everything in writing. No meetings required

Seven steps, in this order. The order is not a preference: the paperwork comes before the documents because several states require the service provider to be contractually bound before any employment data changes hands, and because it is the sequence a careful finance team should insist on anyway.

Start a review

The sequence

Nothing here requires you to change a process, install anything, or grant access to a system.

  1. 01You send three facts

    Your state, your approximate annual premium or spend, and the carrier or vendor. No documents, no meeting, no call. This is enough for us to say whether a review is worth your time.

  2. 02You read the agreement before anything is sent

    The full text is on this site. Read it here, or forward it to your counsel first. It states what we may do with your documents, how long we keep them, and what we are paid. Only after it is signed does the upload open.

  3. 03You sign, and the agreement is in force

    Typing your name signs it. Our acceptance is given in advance, so the copy you receive by email a moment later is already countersigned, dated, and carries a verification code. Nothing to print, nothing to wait for.

  4. 04You upload the documents on this site

    Over an encrypted connection, stored encrypted, visible only to the auditor assigned to your file. Fifteen minutes of your time, usually less.

  5. 05We audit, line by line

    Against the documents that actually govern the charge: rating manuals, filed tariffs, your own contracts, state rules. Every finding is tied to the provision it fails and the page it appears on.

  6. 06You get a written number

    Each finding with its rule, its arithmetic, and its dollar value. If there is nothing, we say so in writing — no upsell, no suggestion to get on a call.

  7. 07We recover, you approve

    We prepare and manage the claims, corrections, and disputes. Nothing is filed on your behalf without your approval.

  8. 08We are paid last

    33–45 % of money that has actually reached your account. Not of a projection, not of an estimate, not of an annualized figure.

Why writing

Because it is auditable — the same standard we are applying to your vendors. Every claim we make arrives with its evidence attached, which means you can forward it to your broker, your accountant, or your attorney and let them check it without us in the room.

It also means there is a record. A finding delivered on a call is a claim; the same finding in writing, with the rule quoted and the page cited, is something you can act on. We would rather be checked than believed.

We do not need anything that identifies an individual person.

Payroll totals by classification code, invoices, tariff schedules, reconciliation statements. Never employee names, Social Security numbers, dates of birth, bank credentials, or access to any of your systems. If we ever appear to ask for those, it is not us.

What we never do

Stated plainly, because each of these is common in this industry and each is a reason people have learned to be wary of it.

RetainersNever. There is no charge before a recovery, of any kind or under any name.
Hourly billingNever. Our fee does not grow because the work took longer than we expected.
System accessNever. We work from documents you send, not from logins you grant.
ExclusivityNever. You are not locked out of using anyone else, now or later.
Unannounced callsNever. Correspondence is in writing, and we do not call you.
Eligibility promisesNever. We do not tell anyone what they might recover before we have read their documents.

Start with three facts

Your state, your approximate annual premium or spend, and your carrier or vendor.

Start a reviewFees and confidentiality