For policyholders
Billing and payments
Manage invoices, make payments, enroll in e‑Bill, report Comp‑As‑You‑Go payroll and learn about payment plans, premium audits and billing support.
For policyholders
Quick Actions
Pay renewal deposit, audit or installment invoice
Have your invoice ready to make a one-time, online payment.
Pay Deductible, new policy deposit or return commission
Make a one-time online payment.
Log in to BillTrust eBill
View invoices, make payments and manage your account. First-time users will need an invoice to enroll.
Report Comp-As-You-Go payroll
Already enrolled in Comp‑As‑You‑Go? Sign in to report payroll and calculate your premium payment.
Avoid third-party payment fees
MEMIC does not charge a fee when online payments are made directly through the BillTrust site. Third-party payment vendors are not affiliated with MEMIC and may charge additional fees.
understanding billing & payments
How your premium payment plan works
Your payment plan determines how and when premium is billed throughout your policy term. Understanding how your plan works can help you know when to expect invoices and choose the payment option that's most convenient for your business.
Payment plan options
When your policy is issued, you and your insurance agent select the payment plan that best fits your business's needs.
- Annual pay: Pay your premium for the entire policy term with one payment.
- Quarterly installments: Make a 25% deposit payment, followed by three quarterly payments.
- Monthly installments: Make a 10% or 25% deposit payment, followed by nine monthly payments.
- Comp-As-You-Go: Report payroll throughout the policy term and have premium calculated based on reported payroll.
Understanding your invoices
The invoices you receive depend on your payment plan and where you are in the life of your policy. Each invoice includes the amount due, payment due date, a description of the charge and policy information related to the invoice.
Your payment plan and billing schedule are determined when your policy is issued. Depending on the payment plan selected, your first invoice may be due shortly after coverage begins. After you receive your first invoice by mail, you can enroll in e‑Bill through BillTrust to view invoices online and set up automatic payments.
Invoice types
- Premium deposit
- Premium Installment payment (quarterly or monthly)
- Renewal deposit
- Premium audit (if additional premium is due after your audit is completed when you policy expires)
- Deductible payment (only for policyholders with a deductible billing policy)
Paying your invoice
Choose from several convenient payment options, including online payments, e‑Bill, automatic payments, mail payments and Comp‑As‑You‑Go. Availability varies based on your payment plan and invoice type.
Review the options below to find the payment method that's right for you.
Premium audit
Understanding the audit process
At the end of each policy period, MEMIC conducts a premium audit to verify the payroll, operations and other information used to calculate your workers' compensation premium. The audit helps ensure your final earned premium accurately reflects your business during the policy term.
Depending on your policy, your audit may be completed online, by mail, by phone or through an on-site visit.
Payment options
Manage and pay your MEMIC invoices online with e‑Bill, our secure billing service powered by BillTrust. With e-Bill you can:
- View current and past invoices in one place
- Receive invoices electronically instead of by mail
- Make secure online payments
- Enroll in automatic payments for eligible installment premium invoices
- Manage your payment preferences and email notifications
Eligibility
e‑Bill and automatic payments are available to policyholders on annual and installment billing plans. e‑Bill is not available for policyholders with deductible billing plans or those enrolled in Comp‑As‑You‑Go.
Getting started
Your payment plan and billing schedule are established when your policy is issued. After you receive your first invoice by mail, you can enroll in e‑Bill through BillTrust to view invoices online, set up automatic payments and manage billing preferences.
Make a secure payment online for any renewal deposit, audit or installment invoice without logging in.
Have your invoice available, as you'll need information from it to complete your payment, including your 10-digit policy number.
There is no fee to make a payment through MEMIC's Billtrust payment portal. Select Make a One-Time Payment and follow the prompts to complete your transaction.
Mail your payment to the address listed on your invoice. Be sure to make your check payable to the company shown on the invoice.
For MEMIC policies
Make checks payable to MEMIC and mail to:
MEMIC
PO Box 6900
Lewiston, ME 04243-6900
For MEMIC Indemnity or MEMIC Casualty policies
Make checks payable to the underwriting company listed on your invoice and mail to:
MEMIC Indemnity or MEMIC Casualty Company
PO Box 6900
Lewiston, ME 04243-9500
Comp‑As‑You‑Go is a payroll-based billing option available only to policyholders who enrolled in the program when their policy was issued. Instead of receiving traditional installment invoices, enrolled policyholders report payroll and premium is calculated throughout the policy term based on reported payroll..
Already enrolled?
Sign in to report payroll
Simplify premium payments with Comp‑As‑You‑Go
Comp‑As‑You‑Go helps align workers' compensation premium payments with payroll processing. Learn how the program works, explore the benefits and see whether it's right for your business.
- No premium deposit required
- Works with most payroll processing methods
- Support from a dedicated specialist
Need help?
Contact our Billing Support Team
Premium billing
For help with premium invoices, payment plans, e‑Bill enrollment, online billing or automatic payments.
Deductible billing
For help with deductible invoices and payments.
Comp-As-You-Go
Questions about payroll reporting or your Comp‑As‑You‑Go account.