Iv beaten a few claims in my day and surprising lost on a few that never should of been paid on. I had one actually walk off the job and left a 1 month old mower just running in the back yard. He quit and that cost me because by saying he quit all his time cards all the days he had missed the 1-2 hours late he made a habit of the other 5 times he had separations were not admitted. Now had I taken the position he walked off the job and so we fired him all his past would of been admitted and he wouldn't have collected.
As for the cap yes I am currently there and it costs me an additional 5% a year on payroll so there is a reason to try to defend yourself. 5% on 50k-100k in payroll isn't peanuts.