<Li> Underreporting payroll . An employer reports that workers are paid less than they actually are in order to lower their premiums . </Li> <Li> Inflating experience . An employer claims workers are more experienced than they actually are in order to make them seem less risky and therefore less expensive to cover . </Li> <Li> Evasion . An employer fails to obtain workers' compensation for their employees when it is required by law . Workers are often deceived into thinking they are covered when they are not . </Li> <Li> Through the introduction of "opt - out plans" that are governed by the federal Employee Retirement Income Security Act, or ERISA, which is regulated by the Labor Department . The "opt - out plans" provide lower and fewer payments, make it more difficult to qualify for benefits, control access to doctors and limit independent appeals of benefits decisions . </Li>

What determines the amount of money a company has to pay its workers