The 15% you are owed and never bill for.

When a carrier pays a treatment bill late, Labor Code §4603.2 does not ask anyone’s permission. The amount is increased by 15 percent, with interest at the civil-judgment rate, retroactive to the day they received the itemization. Medical-legal bills carry their own: §4622, a 10 percent penalty and 7 percent interest. Both are self-executing.

Almost nobody collects it, because collecting it means knowing the exact date a properly documented bill was received, counting calendar days rather than business days, and doing that for every charge in the practice. That is not a discipline problem. It is a bookkeeping problem, and it is the kind of problem software is actually good at.

Two clocks, two entitlements, both in calendar days.

The §4603.2 clock was counted in business days in an earlier build of this product and corrected to calendar days on 13 September 2026. We mention it because the difference is roughly two weeks per charge, and because a vendor who will not tell you what they got wrong is not telling you much.

Charge to collection, with the dispute path built in.

1. 01

   Charge capture and fee calculation

   OMFS

   Charges are built from the encounter that produced them, priced against the Official Medical Fee Schedule, and carry the documentation that supports the level billed.

   Procedure coding and E/M level scoring run on the note the physician actually wrote, so the code and the chart agree before the bill leaves.

2. 02

   Submission and payment tracking

   §4603.2 · §4622

   Every charge carries its own clock from the date the carrier received a properly documented bill — 45 calendar days for treatment, 60 for medical-legal.

   Calendar days, not business days. That distinction was corrected in the product on 2026-09-13 and it moves real money.

3. 03

   EOR ingestion — extract, then confirm

   Explanation of Review

   Upload the EOR. It is read, the adjustments and denial reasons are extracted line by line, and the proposed posting is put in front of a human.

   Nothing is ever auto-posted. The extraction is a proposal a person confirms or discards — the same discipline the product applies to every AI-derived write.

4. 04

   Second review

   §4622(b)(1) · SBR-1

   Ninety calendar days from service of the EOR, plus five when it was served by mail. The form is DWC Form SBR-1 and the deadline is computed, not remembered.

   A disputed charge that misses this window is finished. The clock starts on service, which is why the mail rule is in the calculation rather than in a footnote.

5. 05

   Independent Bill Review

   §4603.6 · IBR-1

   Thirty calendar days from the final second-review determination, on DWC Form IBR-1.

   The chain is enforced in order: IBR is only reachable from a resolved second review, which is the sequence the statute requires.

6. 06

   Late-payment penalty and interest

   §4603.2 · §4622

   Self-executing. If the carrier paid late, the penalty and interest are owed by operation of law — and the system calculates them per charge.

   This is the line most practices never bill. It is not a dispute and it is not a negotiation; the statute says the amount is increased.

Reading an EOR is not a judgement call. Deciding what to do about it is.