Florida Workers Comp Market

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1 Florida Workers Comp Market 10/5/10 Lori Lovgren

2 Florida Workers Compensation Rates to * Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office & Clerical + 7.3% 62.3% Goods & Services + 7.9% 60.9% Miscellaneous +10.8% 59.7% Overall Average +8.3% 61.8% * Assuming 1/1/2011 is approved as filed 2

3 2003 Reform Started Run of 8 Decreases 10/1/03-14% 1/1/05-5.1% 1/1/ % 1/1/ % 1/1/ % 1/1/ % 1/1/10-6.8% 7/1/10-4.2% 3

4 Not Counting... 4/1/ % (Emma Murray1 st year impact) 7/1/09-6.0% (HB 903 Emma Murray fix) 4

5 Florida Historical Rate Changes Percent (%) 25.0 Cumulative 1/1999 4/ % No Filing Emma Murray- Related Cumulative 10/2003 7/ % Calendar Year * Pending 5

6 Why an Increase After So Many Years of Decreases? Florida has reached its new post reform baseline; 2007 was likely last year to include additional beneficial impacts of reform This filing first to include two years unimpacted by additional impacts of SB 50A (AY 08/09) The latest available experience has deteriorated slightly (+3.4%) in the range of a typical annual adjustment Primarily because of claim frequency flattening, NCCI has revised outlook; still calling for continued improvement but at slower pace; adjustment to less negative trend results in positive rate impact (+3.9%) 6

7 Pure Loss Cost All Classes Current Average Voluntary Pure Loss Costs Using Florida s Payroll Distribution FL AL GA NC SC TN State Based on the latest NCCI-approved rates and loss costs in the various states 7

8 6.0 Workers Compensation Premium Rate Ranking Premium Rate Index per $100 of Payroll FL Ranking adjusted to the proposed 1/1/11 rate level. No other states adjusted. 9th (out of 51). FL Ranking 25th (out of 51). All states based on rates in effect on 1/1/ ND IN MA VA AR UT AZ MD FL* CO KS IA WV OR WAWY SD HI WI ID MI NE NM DC MO FL RI GA MS MN NC TN CT NY NV TX NJ PA CA SC LA IL OK AL KY DE ME NH VT OH MT AK Source: 2008 Oregon Workers Compensation Premium Rate Ranking Summary Indices based on rates in effect on January 1,

9 2.5 Workers Compensation Comparative Costs Manufacturing Classes FL Ranking adjusted to the proposed 1/1/11 rate level. No other states adjusted. 12th (out of 45). FL Ranking 25th (out of 45). All states based on rates in effect on 1/1/ UT IN VA AZ AR MA OR CO SD MD ID FL* MI NC WI IA RI NE KS MS SC GA MN NM NV FL LA KY AL PA ME NH MO OK TX HI TN NY IL NJ CT MT DE CA AK VT Source: Workers Compensation State Rankings, Manufacturing Industry Costs, and Statutory Benefit Provisions, 2008 Ed., Prepared by Actuarial & Technical Solutions, Inc. Indices based on rates in effect on January 1,

10 Workers Compensation Comparative Costs Office and Clerical Operations FL Ranking adjusted to the proposed 1/1/11 rate level. No other states adjusted. 8th (out of 45). FL Ranking 20th (out of 45). All states based on rates in effect. on 1/1/ MA IN VA AZ UT OR MD FL* RI AR CO WI NY GA MI KS IL ID MN IA FL NE NJ CT SD TX KY MO NH LA NC NM TN PA MS ME HI AL NV SC OK VT DE CA AK MT Source: Workers Compensation State Rankings, Manufacturing Industry Costs, and Statutory Benefit Provisions, 2008 Ed., Prepared by Actuarial & Technical Solutions, Inc. Indices based on rates in effect on January 1,

11 Response to Consumer Advocate F.S Every carrier shall file rates OR satisfy its obligation to make such filings by becoming member of a rating organization which makes such filings Disapproving the filing and requiring all carriers to file their own rates Counter to F.S which allows choice Puts particularly small/medium carriers and new writers at a competitive disadvantage Why have all Florida carriers have in the past elected to use NCCI rates? No carrier has sufficient Florida data in all 600 class codes to develop fully credible rates Some Florida class codes have to be supplemented by data in national database to develop credible rates 11

12 Response to Consumer Advocate Why would disapproval of the filing produce $141M savings to employers - 8.3% in the first year? NCCI s filing would be replaced by up to 250 new rate filings Some could request something less than +8.3% and some could request more than +8.3% Mr. DiDonato will explain that many of our assumptions are conservative so it s possible that more carriers would ask for more than +8.3% rather than less No reason to believe that cumulative total of all rate filings would be 0 as the Consumer Advocate suggests or in other words, that there would be $141M in savings to employers 12

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