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Use our online payroll rater to calculate what your cost would be for our payroll service. It’s quick and easy… only 4 questions.

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Want to explore some more, or are already enjoying the benefits of our Midwestern Payroll Plus? 

broker frequently asked questions

Is this a PEO/Employee Leasing Option?

NO. A PEO is a service whereby the business owners’ employees become “co-employed” by the With the Payroll Plus Program, your clients are running payroll through their own FEIN and YOU write the policy. While a PEO may be a fit for some businesses, most business owners using PEOs are seeking convenience and cashflow and do not realize the hidden costs involved in utilizing a PEO.

Which company name will show on the check stubs as the employer?

Your client’s company name will be on all check stubs and W-2s as the employer.

What is the price of the Midwestern Payroll Plus Program?

The price of the Midwestern Payroll Plus Program is $25 per employee per (For example, if a business has 10 employees, the price will be $250 per month ($25 x 10 employees)

What benefits are included when participating in the Midwestern Payroll Plus Program?


Payroll Services    

  • Direct Deposit, Pay Cards, or Paper Checks
  • Online user-friendly site reporting payroll online
  • Options to self-submit, email, call in payroll data
  • Garnishment Services
  • Vacation / Sick Leave / PTO Accruals
  • Online access to payroll reports
  • Quarterly federal & state tax filing
  • Year-end W-2s & tax filing
  • General ledger posting – accounting integration
  • Pay-As-You-Go workers’ compensation and remittal

Options to Upgrade to Enhanced Payroll Features

HR & Risk Management

  • Customized Web Portal for one-stop administration
  • UNLIMITED Access to Attorney Advice
  • General New Hire Documents
  • DOT Compliance and Forms Checklist
  • Risk Analysis Questionnaire and Consultation
  • General Employee Handbook Template
  • ERMA Perks Retail & Services Savings App
  • Unlimited Access to Extensive HR Library
  • ERMA Bi-Weekly Newsletter & Industry Updates
  • Subcontractor Certificate Tracking
  • Unlimited Access to State Regulatory Updates
  • General Workplace Safety Program Template
  • Business Expense Reduction Analysis

Discounts and Special Program Enhancements

  • Advanced DOT Compliance Services
  • Advanced Legal Counsel Services
  • Customized Attorney Drafted Employee Handbook
  • Drug Free Workplace Program
  • Business Expense Reduction Negotiations
  • Outstanding Bill Collections Services


  • Nationwide Employee Background Screening
  • Required Federal & State Posters
  • OSHA Compliance Services
  • Customized Safety Manual & Program
  • Telehealth (Plus Mental Wellness & Dental Savings)
  • …and more!

More information can be found on the Client Dashboard at MIAPayroll.com

What is the commission to the agent for selling the Midwestern Payroll Plus Program?

15% commission paid on collected payroll Commission will be paid monthly by Midwestern.

Does the Midwestern Payroll Plus Program file the payroll taxes on behalf of the employer and employee?

Yes. This is one of the included features of the program.

What is the best way to reach a payroll specialist?

To learn more about the Midwestern Payroll Plus Program, visit the Quote Page at MIAPayrollRater.com (The Agent Resources Button has the FAQs available as well as a Call Request Option) or visit www.MidwesternInsurance.com/Payroll

After a payroll account has been set up with Insight Payroll Associates, clients can contact a payroll specialist at 877.731.8703 or e-mail at mia-payroll@ipapays.com

What does an agent or insured do if they are interested in this service after receiving a WC quote from Midwestern?

The agent MUST submit a quote by using the MIAPayrollRater.com Quote Site and following the four easy steps. This will generate a request to the Insight Payroll Associates (IPA) Onboarding Team to contact the client directly to complete the steps for IPA to commence payroll services. The client will receive a customized online portal, payroll login credentials, training and support to maximize their experience with the Payroll, HR and Risk Management services.

Can we still offer 0% deposit on the WC without the insured signing up for the Midwestern Payroll Plus Program?

No. The 0% deposit is only available to clients who participate in this program.

Can the insured select their preferred Payroll Frequency?

Employers can choose between the following options: Weekly (52 times), Bi-Weekly (26 times), Semi-Monthly (24 times), Monthly (12 times)

How can employers their submit payroll?

Employers can self-submit their payroll data with their provided credentials or call in, text or email the data to their payroll specialist on a per pay period basis. Software training and ongoing support is available for those who self-submit.

What payroll method options are there for the employers to offer employees?

Employers can choose between the following options: Direct Deposit, Paper Checks, Pay Card, or a Combination of all these options.

Are the Pay-As-You-Go Work Comp Premium Facilitation, HR & Risk Management Support features included in the base price of $25 per employee per month?

Yes! This special pricing is exclusive to participants of the Midwestern Payroll Plus

Will the employer lose control over their employees by running payroll through Midwestern Payroll Plus Program?

No. The employer will retain full control and direction over their employees and all WC will be reported under the employer’s FEIN. This is NOT an employee leasing option.

Does Midwestern Payroll Plus Service handle the quarterly and annual payroll taxes, W2s and 1099s for my client’s business?

Yes. Insight Payroll Associates will submit and report all payroll taxes including 940s, 941s, state tax filings. We also take care of the W2s for the employees. All this is included in the $25 per employee per month.

Who is the company behind the Midwestern Payroll Plus Program?

Payroll Services -Insight Payroll Associates – IPAPays.com

Pay-As-You-Go Premium Facilitation – Reliable Premium Management- ReliablePremium.com

HR & Risk Management Support – Employers’ Risk Management Association – myERMA.com

DOT Compliance Services – Admin 2000 – Admin2000.net

Can the Midwestern Payroll Plus Program process my 1099s as well?

Yes. There are enhancements available that can include processing owner operator settlement deductions such as Taxes, Occupational Accident, Non-trucking Liability, Physical Damage, etc.

Are there additional payroll or HR upgrade features available for my client to explore?

Yes! The Member Dashboard (MIAPayroll.com) is a great place for clients to learn about enhancements to the Midwestern Payroll Plus Program. The client can request additional information through the Member Dashboard on extras like Legal Counsel Portal with Access to Advice from Actual Attorneys, Disability Benefits, Short-Term Payroll Financing, Applicant Tracking, Certificate and License Expiration Tracking, Employee Paycheck Advances and more!

What happens if my client’s WC policy cancels? Do they still have access to the Payroll/HR/Risk Management features?

Any client enrolled in the Midwestern Payroll Plus Program whose policy has expired will have the opportunity to maintain any Payroll/HR/Risk Management features at the same pricing.

What if my client is interested in the MIA Payroll Plus Program but does not have a Midwestern policy?

Midwestern wants their agents to know how much they value their partnership. With this in mind, as long as the referring agent is an appointed MIA Agent, they are able to offer the MIA Payroll Plus Program to their non-Midwestern clients.