Professional Employer Organizations (PEO) and Workers Compensation. Implications for Ratemaking

Size: px
Start display at page:

Download "Professional Employer Organizations (PEO) and Workers Compensation. Implications for Ratemaking"

Transcription

1 Professional Employer Organizations (PEO) and Workers Compensation Implications for Ratemaking Harry Shuford Practice Leader & Chief Economist, NCCI Use of Workers Compensation Data for Workplace Safety and Health Washington, DC June 19-20, 2012

2 Today s Presentation Background on PEOs and the Labor Market PEO Services State Regulation of PEOs Background on PEOs and Workers Compensation Regulation of PEOs in Workers Compensation Objectives of Actuarial Ratemaking Comparing WC Claims Experience PEOs and All Other Broken down by industry group in policy year 2007 Preliminary Observations 1

3 Background on PEOs PEO services employee benefits payroll workers compensation risk management recruiting training and development Employer of record for the leased workers from a PEO client company 2

4 PEOs in Workers Compensation a Good Thing? NAPEO Contends that PEOs Create Safer Work Environments -Effective safety practices such as: pre-employment drug tests, loss control and safety procedures, claims management of injuries, safety training, employee assistance plans, back-to-work programs, and drug-free workplace programs - According to NAPEO many of these safety practices are new to the typical PEO client-a small to mid-sized business without the time, expertise, or resources to cater to worker safety concerns Source: National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 3

5 Licensing The Number of States Requiring Licensing of PEOs Has Grown Steadily: 4

6 Licensing States Map 1991 & 1995 Added in 1995 Source: National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 5

7 Licensing States Map 2000 & 2005 Added in 2000 Added in 2005 Source: National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 6

8 Licensing States List 2012 Added in 2012 Current Status AL, AZ, AR, CO, CT, FL, HI, ID, IL, IN, KY, LA, ME, MI, MN, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, RI, SC, TN, TX, UT, VT, VA, WV, WI CA, PA Source: National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 7

9 One to Two Percent of Insured Payroll in Voluntary Market Is from PEOs Residual Market Share Has Been Approximately Four Percent There Was a Marked Decline over the Great Recession 8.0% 7.0% 6.7% Voluntary Market PEO Payroll Share in 37 NCCI Ratemaking States Residual Market PEO Payroll Share in 25 NCCI Ratemaking States Voluntary Market PEO Payroll Share in 25 NCCI Ratemaking States PEO Payroll Share 6.0% 5.0% 4.0% 3.0% 2.0% 1.7% 3.7% 2.0% 4.3% 2.1% 4.9% 4.2% 2.0% 1.9% 2.3% 1.8% 1.0% 0.0% 1.5% 1.0% 1.2% 1.1% 1.1% 1.1% Policy Year CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 8

10 Workers Compensation Data Indicate that The Role of PEOs Varies Greatly Across States and Between the Voluntary and Residual Markets 10

11 PEOs Payroll Share in Voluntary Market Policy Year 2009, 37 States MT ME OR NV ID UT CO SD NE KS IA MO IL IN KY WV VA VT NH RI CT DC MD AZ NM OK AR TN SC MS AL GA AK TX LA FL HI Share 0.01 to 0.5% 0.5 to 1% 1 to 2% 2 to 3% 3 to 5% over 5% CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 11

12 PEOs Payroll Share in Residual Market Policy Year 2009, 25 States OR ID SD VT NH NV NE KS IA MO IL IN WV VA DC CT AZ NM AR TN SC MS AL GA AK Share 0.01 to 0.5% 0.5 to 1% 1 to 2% 2 to 3% 3 to 5% over 5% CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 13

13 Workers Compensation Data Suggest that the PEO Market is Highly Concentrated 14

14 National PEOs Account for the Majority PEO Activity Number Workers per PEO Master Policy Number of Workers per PEO Client Number of Clients per PEO PEOs National PEOs 79.2 Master PEO policy data is used National PEOs list was based on membership list at napeo.org in April, 2012 Source: NCCI, National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 15

15 15 Largest PEO Companies Comprise Approximately Two Thirds Market; National PEOs Members Make up Majority of PEO Industry Policy Year 2009 Data Top % Next 5 Next 5 Other 2.6% 8.5% PEO policy models Master policy, MCP policies, Multiple PEO policies, and PEO direct employee policies are included National PEOs list was based on membership list at napeo.org in April, 2012 MCP policies may not have PEO information as named insured; NCCI 37 ratemaking states only Source: NCCI, National Association of Professional Employer Organizations (NAPEO) NAPEO Used with permission. 16

16 Background on PEOs and Workers Compensation 17

17 PEO State Regulation of PEOs: Workers Compensation In 1992, NCCI filed Item B-1276 Employee Leasing Arrangements to provide rules and policy forms for employee arrangements in workers compensation markets. Most states implemented, some states passed modified versions, and some states have yet to implement. In July 2005, NCCI filed Item RM-W-8027 for residual market requiring MCP* PEO policy model when underwriting PEO policy. Most states have implemented. Overall, there is no national NCCI rule for underwriting policies of PEO arrangements in the voluntary market. MCP refers to multiple coordinated policy form; the MCP is described on the next slide 18

18 PEO Policy Models Master Policy A single policy that covers the leased workers of a PEO s client companies with the PEO as the primary insured; the client companies may be attached to the policy by endorsement; may also cover PEO direct employees Multiple Coordinated Client Policies (MCP) A separate policy to cover the leased workers of single PEO client company with the client as the primary insured Multiple PEO Policies A separate policy to cover the leased workers of single PEO client company with the PEO as the primary insured making reference to the client company 19

19 Recent Trends in the Voluntary Market: Multiple PEO Policy Has Been Substituting MCP for Client Policies 100.0% 99.5% 99.0% 98.5% 98.0% Multiple PEO Policy MCP Policy Master Policy PEO Direct Employee Policy Client Direct Purchase Policy Non-Leased Workers Client Policy Non-PEO Policy 97.5% 97.0% 96.5%

20 Recent Trends in the Residual Market: Master Policy Share Has Declined Since % 98.0% 96.0% 94.0% 92.0% Multiple PEO Policy MCP Policy Master Policy PEO Direct Employee Policy Client Direct Purchase Policy Non-Leased Workers Client Policy Non-PEO Policy 90.0% 88.0%

21 Comparing PEO WC Policies In All Cases PEO Clients Appear to be Small Businesses Average # Workers per Policy Average # of Workers per Client Average # of Clients per PEO Master PEO Policy MCP Client Policy Multiple PEO Policy Non-PEO Policies 22

22 In the Voluntary Market in 2009 Most PEO Leased Workers Are Covered Under Master Policies 37 NCCI Ratemaking States PEO Direct Employee Policy 1.5% MCP Client Policy 4.0% Multiple PEO Policy 13.7% Master PEO Policy 80.7% 23

23 In the Residual Market in 2009 Many More Workers Are Covered Under MCP or Multiple PEO Policies 25 NCCI Ratemaking States PEO Direct Employee Policy 3.5% MCP Client Policy 28.2% Master PEO Policy 49.7% Multiple PEO Policy 18.7% 25

24 Wide Variation Across States in the Voluntary Market PEO Payroll Share by Policy Type 2009 Policy Year PEO Direct Employee Policy Master Policy MCP Client Policy Multiple PEO Policy 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% VOL 1.0% 0.0% 09 FL 42 TX 02 AZ 05 CO 52 HI 10 VOL 27 GA NV 43 UT 35 OK 06 CT 28 NH 47 WV 12 IL 01 AL 41 TN 39 SC 24 MO 45 VA 03 AR 08 DC 25 MT 19 MD 54 AK 30 NM 15 KS 36 OR 17 LA 11 ID 13 IN 14 IA 26 NE 18 ME 16 KY 38 RI 23 MS 40 SD 44 VT 26

25 Wide Variation Across States in the Residual Market PEO Payroll Share by Policy Type 2009 Policy Year PEO Direct Employee Policy Master Policy MCP Client Policy Multiple PEO Policy 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% RES 0.0% 02 AZ 01 AL 27 NV 12 IL 28 NH 14 IA 36 OR 23 MS 30 NM 10 RES 13 GA IN 24 MO 45 VA 03 AR 26 NE 11 ID 39 SC 15 KS 41 TN 08 DC 40 SD 06 CT 44 VT 47 WV 54 AK 28

26 Implications of PEOs for Workers Compensation Ratemaking 29

27 Actuarial Ratemaking Premium rates should be: Neither Excessive Nor Inadequate Nor Unfairly Discriminatory 30

28 Actuarial Ratemaking Aggregate Ratemaking: Neither Excessive Nor Inadequate Requires Aggregated State Level Data Financial Call Data 31

29 Actuarial Ratemaking Class Ratemaking and Experience Rating: Nor Unfairly Discriminatory Requires Detailed Claim Data by Individual Insured Employer Unit Data 32

30 Potential Ratemaking Concerns Related to PEOs How These Compare with Concerns in BLS Data Incorrectly Classified Payroll [BLS inaccurate counts of employment by occupation] Underreporting of Claims [BLS SOII Underreporting of injuries] Bulk Reporting of Claim Experience [BLS SOII Inability to Estimate Injury Rates by Occupation/Industry] Difficulty in tracking the experience rating modification 33

31 Does PEO Claim Experience Differ Materially from Non-PEO Experience? 34

32 Market Segments Voluntary market analysis includes 37 NCCI ratemaking states Residual market analysis includes 25 NCCI ratemaking states: 21 NCCI Plan states IN, TN, MO, and NE where NCCI is not the Plan Administrator PEOs in our data analysis refers to workers covered in PEO: Master policy MCP policies Multiple PEO policies PEO direct employees CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 35

33 Workers Compensation Data at the Policy Level Policy data: Proof of Coverage (POC) compliance reports issued at policy inception Provides information on the type of policy including PEOs Unit data: Unit reports used for class ratemaking Contains detail on payroll by class (typically a blend of occupation and industry) plus detail on individual claims 36

34 Data Used in This Analysis NCCI policy and unit data in policy years Industry group level data in policy year 2007 Losses are evaluated at 2 nd report PEO policy type is as reported in the policy data 37

35 PEO Loss Experience in Workers Compensation

36 Loss Experience for : PEOs versus Non-PEO Policies 38

37 Key Measures of Workers Compensation Loss Experience Estimated Number of Workers in Thousands Lost Time Claims Frequency Payroll AWW Number of Lost Time Claims Number of Workers in Thousands Lost Time Claims Severity Incurred Losses on Lost Time Claims Number of Lost Time Claims Lost Time Claims Loss Ratio Incurred Losses on Lost Time Claims Manual or Modified Premium 39

38 Loss Experience for : PEOs versus Non-PEO Policies Frequency in the Voluntary Market 40

39 In the Voluntary Market Frequency Is Higher for PEOs than for Non-PEOS Voluntary Market, nd Report 18.0 Non-PEO Large Deductible PEOs Large Deductible Non-PEO Other than Large Deductible PEOs Other than Large Deductible 16.0 Lost Time Claims Frequency per 1000 Workers P Policy Year 42

40 Loss Experience for : PEOs versus Non-PEO Policies Voluntary Market Large Deductible (Typically Master Policies for PEOs, Larger Employers for Non-PEOs) 43

41 In the Voluntary Market Frequency Has Declined But PEOs Higher than Non-PEOs Large Deductible Policies (Typically Master Policies for PEOs; Larger Employers for Non-PEOs) nd Report Lost Time Claims Frequency per 1000 Workers Non-PEOs PEOs Lost Time Claims Frequency per 1000 Workers P Policy Year 44

42 In the Voluntary Market Severity Trends for PEOs and Non-PEOs Are Comparable Large Deductible Policies (Typically Master Policies for PEOs; Larger Employers for Non-PEOs) nd Report Lost Time Claims Severity in Thousands Non-PEOs PEOs 40.0 Lost Time Claims Severity in Thousands P Policy Year 45

43 In the Voluntary Market Manual Premium Loss Ratios for PEOs Have Increased Relative to Non-PEOs Large Deductible Policies (Typically Master Policies for PEOs; Larger Employers for Non-PEOs) nd Report Lost Time Claims Loss Ratio Manual Premium Non-PEOs PEOs Lost Time Claims Loss Ratio by Manual Premium P Policy Year 46

44 In the Voluntary Market Modified Premium Loss Ratios for PEOs Have Been Lower than for Non-PEOs Large Deductible Policies (Typically Master Policies for PEOs; Larger Employers for Non-PEOs) nd Report Lost Time Claims Loss Ratio Modified Premium Non-PEOs PEOs Lost Time Claims Loss Ratio by Modified Premium P Policy Year 47

45 Loss Experience for : PEOs versus Standard Policies Voluntary Market Other than Large Deductible Policies Typically Smaller Employers 48

46 In the Voluntary Market Frequency Has Declined But Higher for PEOs than Non-PEOs Other than Large Deductible Policies (Typically Smaller Employers) nd Report Lost Time Claims Frequency per 1000 Workers Non-PEOs PEOs Lost Time Claims Frequency per 1000 Workers P Policy Year 49

47 In the Voluntary Market Severity Trends Are Comparable But Severity Lower for PEOs than Non-PEOs Other than Large Deductible Policies (Typically Smaller Employers) nd Report Lost Time Claims Severity in Thousands Non-PEOs PEOs Lost Time Claims Severity in Thousands P Policy Year 50

48 In the Voluntary Market Manual Premium Loss Ratio Trends Are Comparable for PEOs and Non-PEOs Other than Large Deductible Policies (Typically Smaller Employers) nd Report Lost Time Claims Loss Ratio Manual Premium Non-PEOs PEOs Lost Time Claims Loss Ratio by Manual Premium P Policy Year 51

49 In the Voluntary Market Modified Premium Loss Ratio Trends Are Comparable for PEOs and Non-PEOs Other than Large Deductible Policies (Typically Smaller Employers) nd Report Lost Time Claims Loss Ratio Modified Premium Non-PEO PEOs Lost Time Claims Loss Ratio by Modified Premium P Policy Year 52

50 Loss Experience for : PEOs versus Standard Policies Residual Market 53

51 In the Residual Market Frequency Has Been Higher for PEOs than for Non-PEOs Both Exhibit Slight Downtrends nd Report Lost Time Claims Frequency per 1000 Workers Non-PEOs PEOs Lost Time Claims Frequency per 1000 Workers P Policy Year 54

52 In the Residual Market Severity Has Been Higher for Non-PEOs than for PEOs Both Exhibit a Marked Uptrend * nd Report Lost Time Claims Severity in Thousands Non-PEOs PEOs Lost Time Claims Severity in Thousands P Policy Year The data for 2009 is preliminary and reflects the impact of the recession on the results of that policy year 55

53 In the Residual Market Manual Premium Loss Ratios Often Have Been Lower for PEOs than for Non-PEOs nd Report Lost Time Claims Loss Ratio Manual Premium Non-PEOs PEOs Lost Time Claims Loss Ratio by Manual Premium P Policy Year 56

54 In the Residual Market Modified Premium Loss Ratios Often Have Been Lower for PEOs than for Non-PEOs nd Report Lost Time Claims Loss Ratio Modified Premium Non-PEO PEOs Lost Time Claims Loss Ratio by Modified Premium P Policy Year 57

55 Loss Experience for 2007 by Industry Group: PEO versus Non-PEO Policies Voluntary Market 58

56 In the Voluntary Market in 2007 Most PEO Leased Workers Were Covered Under Master Policies MCP Client Policy 12.4% PEO Direct Employee Policy 0.7% Multiple PEO Policy 11.6% Master PEO Policy 75.3% CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 59

57 In the Voluntary Market PEO Mix of Clients Comparable to Non-PEO Mix Share of Insured Payroll by Industry Group Voluntary Market, Policy Year nd Report PEOs Non-PEOs 70.0% 60.0% 50.0% Share of Payroll 40.0% 30.0% 20.0% 10.0% 0.0% Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 60

58 In the Voluntary Market Lost-Time Claims Frequency by Industry Group PEO Frequency Higher for Most Industry Groups Voluntary Market, Policy Year nd Report PEOs Non-PEOs Lost Time Claims Frequency per 1000 Workers Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 61

59 In the Voluntary Market Lost-Time Claims Severity by Industry Group PEO Severity Higher for Miscellaneous Voluntary Market, Policy Year nd Report PEOs Non-PEOs Lost Time Claims Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 62

60 In the Voluntary Market Lost-Time Claims Loss Ratio Manual Premium PEOs Higher than Non-PEOs for Miscellaneous Voluntary Market, Policy Year Report PEOs Non-PEOs Lost Time Claims Loss Ratio by Manual Premium Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 63

61 In the Voluntary Market Lost-Time Claims Loss Ratio Modified Premium PEOs Higher than Non-PEOs for Miscellaneous Voluntary Market, Policy Year Report PEOs Non-PEO Lost Time Claims Loss Ratio by Modified Premium Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 64

62 PEO Lost-Time Claims Indemnity Severity by Industry Group Voluntary Market, Policy Year nd Report PEOs Non-PEO 60.0 Lost Time Claims Indemnity Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 65

63 PEO Lost-Time Claims Medical Severity by Industry Group Voluntary Market, Policy Year nd Report PEOs Non-PEO 60.0 Lost Time Claims Medical Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 66

64 Loss Experience for 2007 by Industry Group: PEO versus Non-PEO Policies Residual Market 67

65 In the Residual Market in 2007 Most Leased Workers Were Still Covered Under Master Policies PEO Direct Employee Policy 4.4% MCP Client Policy 17.8% Master PEO Policy 70.4% Multiple PEO Policy 7.3% CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 68

66 In the Residual Market PEOs Are Especially Prominent in Manufacturing Share of Payroll Policy Year Report PEOs Non-PEOs 60.0% 50.0% Share of Payroll 40.0% 30.0% 20.0% 10.0% 0.0% Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 69

67 In the Residual Market PEO Frequency Higher than for Non-PEOs Policy Year nd Report PEOs Non-PEOs Lost Time Claims Frequency per 1000 Workers Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 70

68 In the Residual Market Severity Was Lower for PEOs in All But Miscellaneous Policy Year nd Report PEOs Non-PEOs Lost Time Claims Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 71

69 In the Residual Market Manual Premium Loss Ratios Lower for PEOs In All but Miscellaneous Policy Year Report PEOs Non-PEOs 1.20 Lost Time Claims Loss Ratio by Manual Premium Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 72

70 In the Residual Market Modified Premium Loss Ratios Lower for PEOs In All but Miscellaneous Policy Year Report PEOs Non-PEO 1.20 Lost Time Claims Loss Ratio by Modified Premium Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 73

71 PEO Lost-Time Claims Indemnity Severity by Industry Group Residual Market, Policy Year nd Report PEOs Non-PEO 90.0 Lost Time Claims Indemnity Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 74

72 PEO Lost-Time Claims Medical Severity by Industry Group Residual Market, Policy Year nd Report PEOs Non-PEO 90.0 Lost Time Claims Medical Severity in Thousands Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded in voluntary market analysis AK, AL, AR, AZ, CT, DC, GA, ID, IL, IN, IA, KS, MS, MO, NE, NV, NH, NM, OR, SC, SD, TN, VT, VA, and WV are included in residual market analysis NCCI is not the residual market plan administrator in IN, TN, MO, and NE 75

73 Adverse PEO Experience in Miscellaneous Group May Reflect Classes Of Employers Insured 76

74 High Risk Classes Are Prominent PEO Miscellaneous Clients Industry Group Top Governing Class Code by Number of Unit Reports Description Manufacturing 3632 MACHINE SHOP NOC 9521 HOUSE FURNISHINGS INSTALLATION NOC & UPHOLSTERING 4299 PRINTING 4484 PLASTICS MANUFACTURING: MOLDED PRODUCTS NOC 3681 TELEVISION, RADIO, TELEPHONE OR TELECOMMUNICATION DEVICE MFG. NOC Contracting 5190 ELECTRICAL WIRING-WITHIN BUILDINGS & DRIVERS 3724 MACHINERY OR EQUIPMENT ERECTION OR REPAIR NOC & DRIVERS 5606 CONTRACTOR-EXECUTIVE SUPERVISOR OR CONSTRUCTION SUPERINTENDENT PLUMBING NOC & DRIVERS 5645 CARPENTRY-DETACHED ONE OR TWO FAMILY DWELLINGS Office and Clerical 8810 CLERICAL OFFICE EMPLOYEES NOC 8742 SALESPERSONS, COLLECTORS OR MESSENGERS-OUTSIDE 8832 PHYSICIAN & CLERICAL 8833 HOSPITAL: PROFESSIONAL EMPLOYEES 8601 ARCHITECT OR ENGINEER- CONSULTING Goods and Services 8017 STORE: RETAIL NOC 9015 BUILDINGS-OPERATION BY OWNER OR LESSEE 9014 BUILDINGS-OPERATION BY CONTRACTORS 8018 STORE: WHOLESALE NOC 9082 RESTAURANT NOC/CATERER Miscellaneous 7229 TRUCKING-LONG DISTANCE HAULING-& DRIVERS 7228 TRUCKING-LOCAL HAULING ONLY-& DRIVERS 9102 PARK NOC-ALL EMPLOYEES & DRIVERS 7219 TRUCKING: NOC-ALL EMPLOYEES & DRIVERS 7720 POLICE OFFICERS & DRIVERS F-Class 6824 BOAT BUILDING OR REPAIR & DRIVERS 6826 MARINA & DRIVERS 6872 SHIP REPAIR CONVERSION-ALL OPERATIONS & DRIVERS 8709 STEVEDORING: TALLIERS AND CHECKING CLERKS ENGAGED IN CONNECTION WITH STEVE- DORE WORK 6843 SHIP BUILDING-IRON OR STEEL-NOC & DRIVERS CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded Policy years

75 Leading Class Codes for Non-PEO Policies Industry Group Top Governing Class Code by Number of Unit Reports Description Manufacturing 3632 MACHINE SHOP NOC 4299 PRINTING 4484 PLASTICS MANUFACTURING: MOLDED PRODUCTS NOC 2812 CABINET WORKS-WITH POWER MACHINERY 3681 TELEVISION, RADIO, TELEPHONE OR TELECOMMUNICATION DEVICE MFG. NOC Contracting 5606 CONTRACTOR-EXECUTIVE SUPERVISOR OR CONSTRUCTION SUPERINTENDENT ELECTRICAL WIRING-WITHIN BUILDINGS & DRIVERS 5183 PLUMBING NOC & DRIVERS 3724 MACHINERY OR EQUIPMENT ERECTION OR REPAIR NOC & DRIVERS 5474 PAINTING OR PAPERHANGING NOC & SHOP OPERATIONS, DRIVERS Office and Clerical 8810 CLERICAL OFFICE EMPLOYEES NOC 8742 SALESPERSONS, COLLECTORS OR MESSENGERS-OUTSIDE 8832 PHYSICIAN & CLERICAL 8868 COLLEGE: PROFESSIONAL EMPLOYEES & CLERICAL 8601 ARCHITECT OR ENGINEER- CONSULTING Goods and Services 8017 STORE: RETAIL NOC 9015 BUILDINGS-OPERATION BY OWNER OR LESSEE 9014 BUILDINGS-OPERATION BY CONTRACTORS 8018 STORE: WHOLESALE NOC 9052 HOTEL: ALL OTHER EMPLOYEES & SALESPERSONS, DRIVERS Miscellaneous 9102 PARK NOC-ALL EMPLOYEES & DRIVERS 7720 POLICE OFFICERS & DRIVERS 9402 STREET CLEANING & DRIVERS 9403 GARBAGE, ASHES OR REFUSE COLLECTION & DRIVERS 7382 BUS CO.: ALL OTHER EMPLOYEES & DRIVERS F-Class 6824 BOAT BUILDING OR REPAIR & DRIVERS 6826 MARINA & DRIVERS 8709 STEVEDORING: TALLIERS AND CHECKING CLERKS ENGAGED IN CONNECTION WITH STEVE- DORE WORK 6872 SHIP REPAIR CONVERSION-ALL OPERATIONS & DRIVERS 7317 STEVEDORING: BY HAND OR HAND TRUCKS EXCLUSIVELY CA, DE, MA, MI, MN, NJ, NY, NC, ND, OH,PA, WA, WI, and WY are excluded Policy years

Don t Just Speculate, Investigate!

Don t Just Speculate, Investigate! 2013 Annual Issues Symposium Don t Just Speculate, Investigate! The Story Behind the PEO Study Harry Shuford Practice Leader and Chief Economist May 16, 2013 The Story Behind the PEO Study What Are They

More information

NCCI s Update on PEO Performance

NCCI s Update on PEO Performance NCCI s Update on PEO Performance Presented by; Mona Carter Senior Division Executive and Harry Shuford Practice Leader and Chief Economist August 20, 2013 Copyright 2012 National Council on Compensation

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

Montana Workers Compensation

Montana Workers Compensation Montana Workers Compensation Part 1 - Ratemaking Overview Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. Mike_Taylor@ncci.com 503-892-1858 WC Ratemaking Basics Where

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

Florida 1/1/2015 Workers Compensation Rate Filing

Florida 1/1/2015 Workers Compensation Rate Filing Florida 1/1/2015 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 14, 2014 1 $ Billions 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.873 0.106 Florida s Workers Compensation Premium Volume 2.681 2.368

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

State of the Workers Compensation Market

State of the Workers Compensation Market State of the Workers Compensation Market and Recent Experience Rating Changes Presented by: Tony DiDonato, FCAS, MAAA Director & Senior Actuary, NCCI CASE Spring Meeting March 27, 2013 Nashville, TN Workers

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

Download at www.iii.org/presentations

Download at www.iii.org/presentations Residual Markets, Uninsured Motorists and Competition in Maryland Auto Insurance Maryland Auto Insurance Plan Senate Hearing on Uninsured Motorists Annapolis, MD December 16, 2015 Download at www.iii.org/presentations

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student.

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student. AL AK AZ AR Student, if they have a chronic condition school nurse or school administrators The student, if their parent/guardian authorizes them to. Trained school personnel can also administer Students

More information

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS LESSORS CONTINGENT LIABILITY $100,000 per person, $300,000 per occurrence, Bodily Injury; and $50,000 per occurrence, Property Damage ($100/300/50). As the

More information

State of the Workers Compensation Market

State of the Workers Compensation Market State of the Workers Compensation Market Natasha Moore, FCAS, MAAA Practice Leader and Senior Actuary August 25, 2015 WCEC Orlando, Florida Copyright 2015 National Council on Compensation Insurance, Inc.

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05 11/05 Explanation: In a state with, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and use states

More information

An Introduction to... Equity Settlement

An Introduction to... Equity Settlement An Introduction to... Equity Settlement The New York CEMA & Co-op Process June 2009 About Us... Established in 1986 Over 100 Associates Approved Vendor for Bank of America Preferred Vendor for Many National

More information

Health Workforce Data Collection: Findings from a Survey of States

Health Workforce Data Collection: Findings from a Survey of States Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY

More information

In Utilization and Trend In Quality

In Utilization and Trend In Quality AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

More information

Payroll Tax Chart Results

Payroll Tax Chart Results Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision

More information

Workers Compensation Experience Mod In Your Control or Out of Your Control?

Workers Compensation Experience Mod In Your Control or Out of Your Control? Workers Compensation Experience Mod In Your Control or Out of Your Control? Bill Daly Risk Manager National Accounts Federated Mutual Insurance Company WC Managed Care: More than Managing Care A Simple

More information

Understanding Payroll Recordkeeping Requirements

Understanding Payroll Recordkeeping Requirements Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015 Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: Economy-Wide Statistics Division Briefs: Public Sector Graphical Summary By Phillip Vidal Released

More information

Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change

Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change November 2012 Lockton Companies A key factor in your workers compensation premium is your experience mod. The e-mod

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKER S COMPENSATION, TITLE 5/06

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKER S COMPENSATION, TITLE 5/06 Explanation: In a state with prior approval, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and

More information

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA THE BULLHORN REACH RANKINGS REPORT TM WWW.BULLHORNREACH.COM @BULLHORNREACH JUNE 2012 COPYRIGHT 2012 BULLHORN, INC. ALL RIGHTS RESERVED. EXECUTIVE SUMMARY

More information

State Annual Report Due Dates for Business Entities page 1 of 10

State Annual Report Due Dates for Business Entities page 1 of 10 State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve

More information

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN

More information

Follow a winning strategy with Strategic Comp

Follow a winning strategy with Strategic Comp Follow a winning strategy with The market is hardening, service is deteriorating, and pricing and losses are on the rise. It s time to make your move. make the right move At, we believe that workers compensation

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE

More information

Ambulance Industry Receives Financial Relief Through the MMA

Ambulance Industry Receives Financial Relief Through the MMA Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the

More information

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available

More information

LexisNexis Law Firm Billable Hours Survey Report

LexisNexis Law Firm Billable Hours Survey Report LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture

More information

FILING MEMORANDUM ITEM U-1399A REVISIONS TO STATISTICAL PLAN FOR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE AMENDED PENSION TABLE VALUES

FILING MEMORANDUM ITEM U-1399A REVISIONS TO STATISTICAL PLAN FOR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE AMENDED PENSION TABLE VALUES (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WV) PAGE 1 FILING MEMORANDUM To become effective

More information

Funding Your Technology and Archive Conversion Needs

Funding Your Technology and Archive Conversion Needs Funding Your Technology and Archive Conversion Needs Presented at the NACRC Legislative Conference March 5, 2011 Facilitators: Larry Burtness & Carol Foglesong Technology funding The question was asked

More information

Trends in Medigap Coverage and Enrollment, 2011

Trends in Medigap Coverage and Enrollment, 2011 Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force

More information

Department of Legislative Services

Department of Legislative Services Department of Legislative Services Maryland General Assembly 2008 Session HB 1169 FISCAL AND POLICY NOTE House Bill 1169 Ways and Means (Delegate Barve) Sales and Use Tax - Computer Services Exemption

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014 Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from

More information

Athene Annuity (DE) Rates

Athene Annuity (DE) Rates January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates

More information

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address:

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address: ARBITRATORS, HEARING OFFICERS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE issued to the NATIONAL ASSOCIATION OF SALARIED PROFESSIONALS PURCHASING GROUP, INC. and specified members of the AMERICAN BAR

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2012

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2012 Enrollment Snapshot of, and Nuclear Medicine Programs 2012 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists January 2013 2012 ASRT. All rights reserved.

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

Kaiser Family Foundation/eHealthInsurance. August 2004

Kaiser Family Foundation/eHealthInsurance. August 2004 AUGUST 2004 Revised Update on Individual Health Insurance Kaiser Family Foundation/eHealthInsurance August 2004 Revised Update on Individual Health Insurance B a c k g r o u n d In recent years, President

More information

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL State-Level Analysis HELP WANTED PROJECTIONS of JOBS and EDUCATION REQUIREMENTS Through 2018 JUNE 2010 ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL Contents 1 Introduction 3 U.S. Maps: Educational concentrations

More information

Life Settlements Source List

Life Settlements Source List BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence

More information

Moving TIM from Good to Great?

Moving TIM from Good to Great? FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety

More information

CONTRACTOR S PROTECTIVE, PROFESSIONAL AND POLLUTION LIABILITY INSURANCE APPLICATION FORM. Limits of Liability Requested: / Deductible: /

CONTRACTOR S PROTECTIVE, PROFESSIONAL AND POLLUTION LIABILITY INSURANCE APPLICATION FORM. Limits of Liability Requested: / Deductible: / PROFESSIONAL AND POLLUTION LIABILITY INSURANCE APPLICATION FORM Coverage Desired: Protective Liability Professional Liability Pollution Liability Limits of Liability Requested: / Deductible: / / / / /

More information

Fixed Indexed Annuity Rates

Fixed Indexed Annuity Rates Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity

More information

Department of Business and Information Technology

Department of Business and Information Technology Department of Business and Information Technology College of Applied Science and Technology The University of Akron Summer 01 Graduation Survey Report 1. How would you rate your OVERALL EXPERIENCE at The

More information

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers National Telecommunications and Information Agency (NTIA) U. S. Department of Commerce Funded by the

More information

ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured:

ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured: ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone

More information

Funding for Accreditation of Medicolegal Death Investigation Offices and Certification of Medicolegal Death Investigation Personnel

Funding for Accreditation of Medicolegal Death Investigation Offices and Certification of Medicolegal Death Investigation Personnel 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 Funding for Accreditation of Medicolegal Death Investigation Offices and

More information

Oral Health Workforce for Low Income Children

Oral Health Workforce for Low Income Children Oral Health Workforce for Low Income Children National Health Policy Forum April 20, 2007 Shelly Gehshan, Senior Program Director National Academy for State Health Policy National Academy for State Health

More information

Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety?

Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety? Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety? Rick Church, CSP, ARM, Director, Risk Control Services Aon Risk Solutions Construction Services Group 1901 Main Street,

More information

The Survey of Undergraduate and Graduate Programs in Communication. Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in

The Survey of Undergraduate and Graduate Programs in Communication. Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in Introduction The Survey of Undergraduate and Graduate Programs in Communication Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in 1982-83, 1983-84, 1984-85, 1985-86, 1986-87,

More information

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends Preliminary Tables and Figures Kevin M. Stange, PhD Assistant Professor Gerald R. Ford

More information

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States During regulatory and public policy discussions of electricity costs for Georgia ratepayers, the conversation

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011 The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

More information

STATUS OF ITEM FILINGS

STATUS OF ITEM FILINGS National Council on Compensation Insurance Regulatory Services JUNE 3, 2016 STATUS OF ITEM FILINGS IF-2016-06-01 ACTION NEEDED BACKGROUND IMPACT NCCI ACTION PERSON TO CONTACT Review changes in the Status

More information

American Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc.

American Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc. A Fixed Indexed Annuity with a 16-year surrender period. This product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Ratings A.M. Best : A- Standard & Poor's: BBB+ 1 Year S&P 500 Annual

More information

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system INTEREST RATES - June 16, 2016 to July 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any Continuing

More information

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for

More information

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Preapproval Inspections for Manufacturing Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Major Steps Review of the Quality System information Inspection requests generated

More information

FIELD SERVICE BULLETIN

FIELD SERVICE BULLETIN FSB_971_1A HUGHES NETWORK SYSTEMS FIELD SERVICE BULLETIN SUBJECT: Updated Commissioning Rules FSB NUMBER: FSB_971_1A FSB ISSUE DATE: 7/1/9 SUBMITTED BY: J. Callow APPROVED BY: D. Dostalik CHANGE TO BE

More information

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP INTEREST RATES - August 16, 2016 to September 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any

More information

Hourly Wages. For additional information, please contact:

Hourly Wages. For additional information, please contact: ` Hourly Wages For additional information, please contact: Jeanette Janota, Surveys & Analysis American Speech-Language-Hearing Association 2200 Research Boulevard Rockville, MD 20850-3289 800-498-2071,

More information

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13 INTRODUCED BY: SUBJECT: REFERRED TO: Council on Legislation A Fifty State Survey of Tort Reform Provisions Reference Committee

More information

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research

More information

Work Comp Managed Care: More than Managing Care

Work Comp Managed Care: More than Managing Care Work Comp Managed Care: More than Managing Care WC Managed Care: More than Managing Care A Simple Objective: One or two ideas to deploy One or two ideas for later 1 WC Managed Care: More than Managing

More information

Motor Carrier Forms Bodily Injury and Property Damage Liability

Motor Carrier Forms Bodily Injury and Property Damage Liability ALPHABETICAL INDEX Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the motor carrier bodily injury and property

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV

OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV Center for Health Law and Policy Innovation chlpi@law.harvard.edu www.chlpi.org CARMEL

More information

Number of fatal work injuries, 1992 2013

Number of fatal work injuries, 1992 2013 Number of fatal work injuries 9,000 8,000 Number of fatal work injuries, 1992 2013 7,000 6,000 5,000 6,331 6,632 6,275 6,238 6,055 6,054 5,915 5,575 5,764 5,840 5,657 6,217 6,202 5,920 5,214 5,734 5,534

More information

Health Insurance Mandates in the States 2011. Executive Summary

Health Insurance Mandates in the States 2011. Executive Summary Health Insurance Mandates in the States 2011 Executive Summary Health Insurance Mandates in the States 2011 Executive Summary By Victoria Craig Bunce Director of Research and Policy The Council for Affordable

More information

The Economic Impact of Commercial Airports in 2010

The Economic Impact of Commercial Airports in 2010 The Economic Impact of Commercial Airports in 2010 January 2012 Prepared for: Airports Council International North America Prepared by: CDM Smith 8805 Governor s Hill Drive Cincinnati, Ohio 45249 Table

More information

Time to fill jobs in the US January 2015. 30day. The. tipping point

Time to fill jobs in the US January 2015. 30day. The. tipping point Time to fill jobs in the US January 2015 The 30day tipping point Time to fill jobs in the US Key Findings For businesses that fail to fill job openings within the first month, there is a 57% chance that

More information

PEOPLE, PRICE, PRODUCT, PROMOTION and PRIDE

PEOPLE, PRICE, PRODUCT, PROMOTION and PRIDE Contact Information 1603 Lyndon B Johnson Freeway Suite 350 Dallas, Texas 75234 (972) 243-7648 Fax: (972) 243-2494 corporate@sunridgemanagement.com www.sunridgemanagement.com Proven Keys to Successful

More information

Piloting a searchable database of dropout prevention programs in nine low-income urban school districts in the Northeast and Islands Region

Piloting a searchable database of dropout prevention programs in nine low-income urban school districts in the Northeast and Islands Region ISSUES& ANSWERS REL 2008 No. 046 Piloting a searchable database of dropout prevention programs in nine low-income urban school districts in the Northeast and Islands Region U.S. D e p a r t m e n t o f

More information

Estimating college enrollment rates for Virginia public high school graduates

Estimating college enrollment rates for Virginia public high school graduates ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high school graduates ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high

More information

A descriptive analysis of state-supported formative assessment initiatives in New York and Vermont

A descriptive analysis of state-supported formative assessment initiatives in New York and Vermont ISSUES& ANSWERS REL 2012 No. 112 At Education Development Center, Inc. A descriptive analysis of state-supported formative assessment initiatives in New York and Vermont ISSUES& ANSWERS REL 2012 No. 112

More information

Should Interlocks Be Required for All DUI Offenders?

Should Interlocks Be Required for All DUI Offenders? Should Interlocks Be Required for All DUI Offenders? Lifesavers Annual Conference Lake Buena Vista, FL June 15, 2012 Anne T. McCartt Insurance Institute for Highway Safety (IIHS) Nonprofit, independent

More information