The way workers’-comp payers actually pay: a single check covering bills for a dozen different injured workers at once, which you then allocate line by line against what you billed.
You bill per claimant, often per form. The payer pays per cycle. So the envelope that arrives contains one check and one EOR covering fourteen people, some of whom you billed three weeks ago on two forms each.
Allocating it means walking the remittance line by line, finding the bill each line belongs to, marking that bill paid, and noting anything that does not match. In Ohio, where three of the nine MCOs can carry nearly all of a week’s billings, most of your money arrives this way.
Because the check total and the EOR total agree, a multi-claimant payment looks reconciled from the outside. The gaps are inside it: a bill paid at the wrong level, a B form nobody paid because the A form was ticked off, a line trimmed to the authorised units.
Two habits protect the money. Give every form — not every claimant — its own receivable row, so a partially paid claimant cannot look fully paid. And allocate against the billed line rather than the claimant total, so a difference has somewhere to show up.
Accounts receivable is the screen where a multi-claimant check is recorded once and allocated across everything it touches, with the gaps flagged in dollars as you go.
Fifteen minutes, your state’s codes on screen — or start the trial and poke around on your own.