# Calculation of premium. Guidance for employers who pay more than \$1.5 million in wages. 22 May GD700 V5

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1 Calculation of premium Guidance for employers who pay more than \$1.5 million in wages 22 May GD700 V5

3 Calculation of premium There are three stages your policy goes through from policy application through to full transition to the Experience Based Rating (EBR) system. EBR (the method) uses your individual wage and claim experience and the claim experience of your industry to calculate the amount of premium you pay. Like other types of insurance, it links your claims costs to the cost of your premium. In this guide we will go through each stage in more detail. Before we get to these three stages, let s look at where the setting of premium is stated in the legislation.

4 Setting of premium Section 54 of the Act outlines: - WorkCover must set the premium payable under a policy. - The premium payable for the policy for a period of insurance must be assessed according to the method and at the rate specified by the Gazette notice. - If no rate is specified in the notice for an employer s industry or business, WorkCover must decide the rate. This will be the Gazette rate that most closely describes the employer's industry or business. - The Gazette notice may state a method or rate that provides for a premium payable by an employer when the employer s premium rate repeatedly exceeds the relevant industry rate. Important note The industry rate specified by the Gazette is reflective of the industry risk based on industry claims experience. That is, the higher the industry rate, the higher the risk of injury. A lower industry rate indicates a lower risk of injury.

5 Three key stages Now that you know what the setting of premium involves, let s go through the following three stages. - Stage 1 Policy application - Stage 2 Policy renewal - Stage 3 Experience based rating (EBR) taking effect We ll also go through some tips for reducing your premium a safe workplace can save you up to 90% off your industry rate.

9 Stage 3 Experience based rating To calculate your individual premium rate each year (after 18 months) we determine the likelihood of you having claim costs in that year. To do this, we take into consideration your historical claim experience. Claim experience is made up of the cost of statutory claims (no fault), common law damages claims (negligence) and the estimated cost of managing these claims through to completion. WorkCover calculates the estimated cost of claims in any year by using prior claim history as the indicator of future costs. Statutory claims generally have a short duration, with 95% of claim costs paid within three years of the date of injury. However, common law claim costs can take many years as an injured worker has three years from the date of injury to lodge a common law claim.

10 Stage 3 Experience based rating Therefore, to estimate your claim costs, we use the last three years of your statutory claim experience and the one year prior to that of your common law claim experience (total of four years claims experience). To allow for the cost of claims over time, we multiply the claims costs from each of these years by a gross up factor, known as F factor. The F factor is the factor by which we gross up (sum) the known claim costs to arrive at the ultimate / estimated full cost for each corresponding injury year. It is calculated at a scheme level each year and is the same for all policies. Important note Individual claim costs greater than \$175,000, claims costs arising from journeys to and from work and recess away from work claims costs are not included in your EBR calculation.

12 Stage 3 Experience based rating We have premium capping in place to encourage our customers to improve claims outcomes. The premium rate for the period of insurance will be the least of: - Rate calculated as per EBR formula, or - Prior premium rate (PPR) x 1.3, or - Industry rate (IR) x 2, or - Industry rate (IR), if the claims experience (E) calculated is less than industry rate for that year, or - \$18 per \$100 in wages Important note Customers capped at 2 x IR will need to participate in the Injury Prevention and Management (IPaM) program when requested by WorkCover. Click here to find out about the IPaM program. If the customer decides not to participate, their rate each year will be increased by increments of 1. For example, customers who are capped at 2xIR for two years their rate each year (after two years) will be increased by increments of 1, that is 3xIR, 4xIR, 5xIR and so on, as per the Gazette.

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