The New Workers Compensation Experience Mod. Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation

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1 The New Workers Compensation Experience Mod Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation 1

2 Why is There an E-Mod? Industry Standard Individual Employer s Published Workers Compensation Rates (Average Rates) Benchmark for Payroll Job Classifications E-Mod (Loss Experience) E-Mods are an adjustment to average rates to recognize employers who have done better or worse than others over three years. The E-Mod adjustment is most sensitive to the most predictable losses.

3 Who Calculates Your E-Mod? National Council on Compensation Insurance (NCCI) collects data and calculates E-Mods for most states NCCI proposed E-Mod calculation changes begin in 2013

4 NCCI

5 The E-Mod A method of adjusting the rate charged to reflect the actual loss experience of the individual employer, as compared to expected losses Provides incentives to reduce losses Employers with fewer losses than expected have a lower E-Mod

6 Experience Mod Impact Average Experience Mod Factor Greater than 1.00 Debit Modifier = Higher Premiums 1.00 Credit Modifier = Lower Premiums Less than 1.00

7 Basic Features of the Formula Formula divides actual losses into Primary and Excess Primary losses carry the most impact and are currently defined as the first $5,000 of each claim Losses D-Ratios determine the percentage of expected losses that are primary losses in a given class code Individual actual losses are capped to reduce the impact of a catastrophic loss Primary Losses Excess Losses

8 8 Following the Formula

9 Med Costs Share of Total Cost is Increasing Steadily

10 WC Med Cost Will Equal 67% by 2019 if Trends Hold

11 2013 Changes The Challenge E-Mods are most responsive to primary losses, defined as losses up to $5,000 per claim The average size of claims has tripled in the last 20 years, but the $5,000 definition has been constant, making E-Mods less responsive to incurred claims

12 2013 Changes NCCI s Solution The primary loss level will increase in stages: $10,000 in 2013 $13,500 in 2014 $15,000, plus a two year inflation factor in 2015 Indexed on an on-going basis beginning in 2016 The maximum E-Mod formula, which affects very few risks, will be changed to allow the E-Mod for small risks to be slightly higher.

13 Experience Mod Rating Period 2013 JAN FEB MAR 2013 Experience Rating Period APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR JAN FEB MAR JAN FEB MAR JAN FEB MAR APR MAY JUN JUL AUG SEP APR MAY JUN JUL AUG SEP APR MAY JUN JUL AUG SEP X APR MAY JUN JUL AUG SEP OCT NOV DEC OCT NOV DEC OCT NOV DEC OCT NOV DEC Excludes Most Recently Complete Year

14 2013 Changes The Impact Changes will be premium neutral statewide, but Generally, credit and debit E-Mods for a given level of losses will be greater Individual employers with credit mods will see more modest impact than those that have debit mods

15 When Will the Changes Become Effective? Date January 1, 2013 March 1, 2013 April 1, 2013 States AK, AZ, CO, CT, FL, HI, ID, IL, IN, IA, KS, MD, ME, MO, NH, NM, OK, OR AL, GA, MS, NE, SD, TN NC, UT, VA, VT July 1, 2013 Nov. 1, 2013 AR, MT, SC, SD DC, WV Other Dates NE (2/1), LA (5/1), RI(6/1), KY (10/1), UT (12/1), MA (TBD)

16 2013 Changes The Impact Projections by NCCI Credit Mods: 46.4% will drop by more than two points None will drop by more than ten points Debit Mods 17.8% will increase by more than two points 7% will increase by more than ten points

17 Summary of Changes The primary actual loss level will increase in stages: 2013: $10, : $13, : $15,000 + The D-ratios will increase to adjust the expected primary losses

18 Impact of Split Point Change In general experience rating credits will become larger and experience rating debits will become larger Over 76% of experience rated employers will see a reduction in their mod (most in the range of 1% - 5%)

19 Examples ABC Company Expected Primary $42,732 $64,097 Expected Excess $224,341 $202,976 Actual Primary $37,802 $57,054 Actual Excess $105,398 $86,146 D-Ratio E-Mod.91.90

20 Examples XYZ Company Expected Primary $24,480 $36,721 Expected Excess $128,524 $116,283 Actual Primary $57,238 $97,740 Actual Excess $599,039 $558,537 D-Ratio E-Mod

21 So What Can We Do?

22 Claims Management Program Pre-Injury vs. Post-Injury

23 Injury Prevention Hiring Practices Well-defined job descriptions Skilled interviewing Match the person to the job Thorough background checks

24 Drug Testing Three Stages: 1. Post Offer 2. For Cause 3. Random Build a Comprehensive Program!

25 Appropriate Training Orientation Safety Training On-going On-the-Job Training Hazard Recognition Worker Observations Ergonomics Injury Prevention

26 Pre-Injury Strategies Accident Reporting Program Accident Investigation Direction of Medical Care Drug Testing Transitional Duty Program

27 Post-Injury Strategies: Execution of the Plan Prompt Reporting of All Claims Direction of Medical Care Accident Investigation Corrective Action When Needed

28 What Can you Do? Transitional Duty Formal Written Process Job Descriptions Identified Accommodating Restrictions Timely Return to Full Duty

29 Communications Injured Worker Medical Provider Employer Insurance Company/Claims Administrator Everyone! What Can you Do?

30 Questions? This presentation was lead by NBIS associates: Bill Smith NBIS - EVP, Risk Management (410) Peter Bellnier NBIS Sr. Underwriter, Workers Compensation (770) Please contact either Billy or Pete with questions on how the changes to E-MOD from NCCI affect your business. Remember, there are changes scheduled for the next three years. NBIS is the endorsed insurance provider for the SC&RA and ready to support the members with understanding how these changes impact your business. More importantly, our Risk Management team is ready to provide industry proven solutions to control this and other impacts to the cost of insurance. Thank you for your support.

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