Settlement & pay guides
Educational articles for drivers, owner-operators and the people who cut their cheques. Product features live on truckerpro.ca; these pages teach how the statement is built.
The Three Blocks of a Settlement Statement, Top to Bottom
A settlement statement is built in three blocks with one arithmetic order. What the header decides, how the blocks stack, and how the net figure derives.
What Each Recurring Deduction Line Covers: Insurance, Plates, Rent, IFTA, Tolls and Fees
What each recurring line under your gross covers: insurance, plates and permits, trailer and ELD rent, IFTA, tolls and fees, and what belongs beside it.
Escrow Accounts for Owner-Operators: How the Money Is Held, Spent and Returned
How escrow on an owner-operator settlement is funded, what it may be spent on, what accounting you are owed, and how the balance comes back when a lease ends.
Chargebacks: Money Taken Back Off Your Settlement
Money taken back off your settlement for a cost the carrier says you caused: what each chargeback line should show, and which document proves it is yours.
Advances and Fuel Cards: How Draws Come Back Out of Your Settlement
An advance is the payer's money fronted against unsettled work. How advances, money codes and fuel-card purchases are recovered on your settlement.
T4 Pay Stub or Owner-Operator Settlement: Reading the Two Canadian Documents Side by Side
In Canada, a company driver is paid on a T4 pay stub and an owner-operator on a settlement statement: what is withheld from each, and what is only contractual.
Which Tax Slip Belongs With Your Settlement File, and How to Reconcile It Against a Year of Statements
Which slip arrives at year end for a driver, what each one reports, and how to reconcile it against the settlements you were paid during the year.
Charged, Interlined or Zero-Rated: GST/HST on an Owner-Operator Settlement
When GST/HST applies to an owner-operator's supply, when interlining relieves it, and when international freight is zero-rated. Three separate rules, not one.
W-2 Stub or 1099 Settlement: What Each US Driver Pay Document Shows
US drivers are paid on a W-2 pay stub or a 1099 settlement. What each document shows, what is and is not withheld, and how each reconciles at year end.
The per diem split on a company driver settlement, and what it does to your reported wages
How a per-diem split appears on a company driver settlement, what it does to reported wages, and the trade-offs before you opt in.
Disputing a Settlement That Came In Short of the Rate Confirmation
Money never added: how to prove a settlement gross is short of the rate confirmation, escalate it in writing, and what recourse exists in Canada and the US.
Tracing an Approved Accessorial That Never Reached Your Settlement
An approved accessorial is missing from your settlement. Which line it should have landed on, why it can stop at the carrier, and how a later correction reads.
How a Fuel Surcharge Prints on a Settlement — Index, Peg, Divisor, Miles
How a fuel surcharge line is built on a trucking settlement: which diesel index, which peg, which divisor, and which miles it is paid on.
The IFTA Line on a Settlement Is a True-Up, Not a Fuel Receipt
How IFTA fuel-tax appears on an owner-operator settlement: who files, what a debit or credit means, and how to read a true-up against the trip miles.
The Last Statement: Escrow Return, Holdbacks, Plates and the True-Ups That Arrive Late
What a final owner-operator settlement should contain when a lease ends: escrow accounting, holdbacks, accelerated recoveries, and IFTA true-ups that file later.
When Deductions Exceed Gross: Carry-Forwards, Recoupment and a Net Below Zero
What a negative trucking settlement means, how a carry-forward is supposed to roll, and how recoupment differs from a shortage you can dispute.
Percentage of What? Linehaul, Fuel Surcharge, Accessorials and the Agent Cut
How percentage pay is computed on a trucking settlement: what the percentage is taken of, where fuel surcharge sits, and the freight bill you are owed.
What 49 CFR 376 Requires on a US Owner-Operator Settlement
Federal truth-in-leasing rules for US leased-on owner-operators: 15-day payment, itemised deductions, the rated freight bill, escrow accounting and return.
When the Settlement Is Your Invoice: Self-Billing, GST/HST Particulars and Duplicates
Canadian owner-operator self-billing: the settlement as a recipient-created invoice, the GST/HST particulars it must carry, and why you should not invoice twice.
Cutoffs, Triggers and the Load That Is Missing Because It Is Not Late Yet
Why a load is absent from this trucking settlement: paperwork cutoff, delivery versus invoice versus paid-when-paid triggers, and how to tell lag from a shortage.
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