Federal Coverages & Niche Programs Policy Rules & Reporting Requirements. Presented by: Julie Gonzalez and Shani Oulton. Objective
|
|
- Ferdinand Henry
- 8 years ago
- Views:
Transcription
1 Federal Coverages & Niche Programs Policy Rules & Reporting Requirements Presented by: Julie Gonzalez and Shani Oulton Copyright 2015 National Council on on Compensation Insurance, Inc. Inc. All All Rights Reserved. 1 Objective To provide an overview of Niche and Federal type programs, and discuss data reporting requirements across multiple data types. 2 1
2 Agenda Overview of Data Types and Data Usage Niche Programs Federal Coverages 3 Data Types Policy Data Proof of Coverage URC Program Premium Trends Exposure Trends Financial Call Data Statewide Premium Level Indications Industry Results Unit Statistical Data Individual Risk Rating Class Rates/Loss Costs Legislative Analysis Detailed Claim Information Legislative Analysis Research Medical Call Data Legislative Analysis Research 4 2
3 Niche Programs Copyright 2015 National Council on on Compensation Insurance, Inc. Inc. All All Rights Reserved Data Educational Program What Is a Niche Market? Subset of the market on which a specific insurance product is focused Defines the insurance product features aimed at satisfying: Specific needs Cost Production quality Demographics Small market segment 6 3
4 Topics Voluntary Compensation Employers Liability Insurance Wrap-Up Programs Retrospectively Rated Policies Excess Policies Minimum Premium Policy Catastrophe Provisions Anniversary Rating Date Uncooperative Audit Ratable and Nonratable Groups Supplemental Diseases Lump Sum/Settlements Medicare Secondary Payer Missouri Mesothelioma West Virginia Deliberate Intent Coverage 7 Voluntary Compensation Basic Manual Rule 2-I Coverage for workers not required under statute optional coverage Benefits equivalent to statutory benefits Separate payroll records must be maintained WC000311A Voluntary Compensation and Employers Liability Coverage 8 4
5 Foreign Voluntary Compensation Coverage for employees who are hired within the United States, but travel and work outside of the United States Employees in a specific country for a designated maximum number of consecutive days Optional additional coverage for repatriation expenses Basic Manual Rule 2-I (CT and FL Exceptions) 9 Reporting Voluntary Compensation Policy and Unit Report Financial Call Type of Nonstandard ID Code 09 Voluntary Coverage Classification Code Do not report repatriation coverage charge Exposure and loss amount Repatriation losses and expenses Premium for Voluntary Compensation (including Foreign Voluntary Compensation) insurance Premium for additional (optional) repatriation coverage Circular DR
6 Employers Liability Insurance Coverages Workers Compensation and Employers Liability Employers Liability Without Workers Compensation Stop Gap Coverage Monopolistic Funds E/L Increased Limits Reporting Statistical Codes Corresponding to E/L Increased Limits Statistical Code 9139 Flat Charge for Employers Liability/Voluntary Compensation Type of Claim W/C and E/L E/L only Basic Manual Rule 3-A-14 Statistical Plan Preface A 1 11 Wrap-Up Construction Projects Basic Manual Rule 3-A-23 Owner/ General Contractor Policies are issued by one carrier to two or more legal entities Classifications assigned to each separate legal entity based on operations Electrician Steel Framers Plumbers Designated Workplace Exclusion Endorsement (WC ) Owner Controlled Insurance Program (OCIP) or Contractor Controlled Insurance Program (CCIP) 12 6
7 Wrap-Up Projects Reporting Policy Wrap-Up/Owner Controlled Insurance Program (OCIP) Code 1 Unit Report Separate unit reports (exposure/losses) by contractor Deductible program type Loss reimbursement for net deductible program 13 Wrap-Up Projects Reporting Financial Call Master Wrap-Up Policy that covers multiple years must be reported as separate policies with individual effective dates for each of the annual components. For Wrap-Up Policies Not Written Under a Deductible Program: Include experience (premiums, losses, and expenses) of all associated owner/contractor and subcontractors in all Calls. For Wrap-Up Policies Written Under a Large Deductible Program: Experience of all associated owner/contractor and subcontractors must follow the rules for including/excluding Deductible Policies Large. For Wrap-Up Policies Written Under a Deductible Program Other Than Large: Experience of all associated owner/contractor and subcontractors must follow the rules for including/excluding Deductible Policies Other Than Large. 14 7
8 Wrap-Up Policy Example 5 Year Wrap-Up Program Wrap-Up Policy Policy # Wrapup1 10/1/10 10/1/11 Wrap-Up Policy Policy # Wrapup2 10/1/11 10/1/12 Wrap-Up Policy Policy # Wrapup3 10/1/12 10/1/13 Wrap-Up Policy Policy # Wrapup4 10/1/13 10/1/14 Wrap-Up Policy Policy # Wrapup5 10/1/14 10/1/15 15 Wrap-Up Policy Unit Reports Bob s Plumbing Policy # Wrapup1B 10/1/10 5/1/11 Payroll/Loss Bob s Plumbing Policy # ABC 1/1/10 1/1/11 Payroll/Loss Wrap-Up Policy Policy # Wrapup1 10/1/10 10/1/11 Deductible program type Reimbursement (Net Programs) Manny s Steel Policy # Wrapup1C 12/1/10 10/1/11 Payroll/Loss Julie s Wiring Policy # Wrapup1D 1/1/11 5/1/11 Payroll/Loss Richard s Concrete Policy # Wrapup1E 6/1/11 10/1/11 Payroll/Loss Manny s Steel Policy # GHI 1/1/10 1/1/11 Payroll/Loss Julie s Wiring Policy # MNO 1/1/11 1/1/12 Payroll/Loss Richard s Concrete Policy # XYZ 1/1/11 1/1/12 Payroll/Loss 16 8
9 Wrap-Up Policy Financial Calls Wrap-Up Policy Policy # Wrapup1 10/1/10 10/1/11 Small Deductible Policy Large Deductible Policy Report all premium, loss, and expense in Policy Year 2010 Exclude all premium, loss, and expense from Policy Year/CAY Calls 17 Retrospectively Rated Policies Adjusts premium on losses incurred during the policy term Premium reflects actual experience of the insured Losses incurred during the policy establishes cost of insurance, including provisions for premium expenses and taxes Includes Loss Sensitive Rating Plan (LSRP) 18 9
10 Retrospectively Rated Policies Policy Retrospective Rating Code 5 Unit Reports Retrospective Rated Policy Indicator = Y Premium Adjustments do not report Financial Retrospective Rating Plan Adjustments Net in Company standard and DSR out 19 Excess Policies Offered to qualified self-insured employers; coverage for losses above a set amount Target markets contractors, oil field service industry, and maritime operations Often combined with claims administration and safety and loss programs 20 10
11 Excess Policy Reporting Policy and unit report Statistical Plan Part 1.R. Excess Policies Not Reportable West Virginia exception Deliberate Intent Coverage Financial Call If reported in NAIC Page 14, Line 16 (WC Line) reconciliation Then, report only on Calls #1 and #1A, and as a reconciliation item in the Reconciliation Call #8 21 Minimum Premium Policy Basic Manual Rule 3-A-16: If Any Coverage Potential Exposure Subcontractors, Trucking Industry Exempt Employers Needing Certificate of Insurance 22 11
12 Minimum Premium Policy Policy Reporting Multistate policy State Premium Record at least $1 Exposure Record Unit Reporting Statistical Code 1111 Balance to Minimum Premium Expense constant Loss with corresponding exposure 23 Pick the Answer Questions Covers One Job Location For Potential Exposure Increased Limits Coverage Not Required Above Workers Compensation Coverage Answers Employers Liability Excess Policies Wrap-Up Policy Minimum Premium Policy Voluntary Compensation 24 12
13 Catastrophe Provisions Basic Manual Rule 3-A-24: Catastrophe (other than Certified Acts of Terrorism) Terrorism Miscellaneous Values Reporting 9741 Catastrophe Provisions for Catastrophe (other than Certified Acts of Terrorism) 9740 Catastrophe Provisions for Terrorism Exposure, Rate and/or Premium 25 Anniversary Rating Date Basic Manual Rule 3-A-2: Effective month and day of policy in effect unless a different date has been established Industry approach Reporting Policy State Premium Record Unit Report Rate Effective Date and Modification Effective Date 26 13
14 Oklahoma and Tennessee Law-Only Filings Premium adjustment for outstanding policies Three methods to apply the rating adjustments Directly to the rates Total manual premium Split period method Circulars OK TN and TN Uncooperative Audit or Audit Noncompliance Part five of the policy contains audit provisions The right of the carrier to examine and audit all policyholder records If the employer is uncooperative and the carrier is unable to verify the necessary data In some states, the carrier can apply a noncompliance charge 28 14
15 Uncooperative Audit or Audit Noncompliance State-specific endorsements: If insured refuses to cooperate in completing a final audit, must pay additional funds not to exceed several times the most recent estimated annual premium Separate charge if applicable from class code manual premium 29 Uncooperative Audit or Audit Noncompliance State Endorsement Statistical Code Basic Manual CO WC MT WC FL WC (not part of standard premium) 9757 (not part of standard premium) 9757* (not part of standard premium) *FLJUA Only Audit Noncompliance Charge Amount not specified (carrier must file with DOI for approval) Audit Noncompliance Charge Amount not specified (carrier must file with DOI for approval) Audit Noncompliance Charge Not to exceed three times most recent estimated annual premium MO WC A 9757 (not part of standard premium) Audit Noncompliance Charge Equal to estimated annual premium SC None No NC None No GA WC No May increase payroll up to a maximum of three times the estimated payroll for purposes of determining the final premium May increase payroll up to a maximum of three times the estimated payroll for purposes of determining the final premium May utilize a payroll amount of three times the estimated payroll for purposes of determining final premium 30 15
16 Ratable/Nonratable Groups Basic Manual Rule 3-A-17 (Non-ratable Element): Class codes designated with an N have corresponding statistical codes (non-ratable element) Non-ratable element is a supplementary loading in the manual rate for a classification Adjusts for the classification s potential for occupational disease/catastrophic losses Premium for a non-ratable element is not subject to experience rating or retrospective rating FL Example: 31 Non-Ratable Elements Statistical Codes for Non-Ratable Portion of Class Code Rate Report Exposure, Rate, and Premium 32 16
17 Supplemental Disease Exposures Basic Manual Rule 3-A-7 (Disease Loading): Supplemental disease loading may be added Incidental Foundry, Asbestos, Abrasive, Sandblasting, Atomic Energy Radiation, Silicosis Not subject to experience rating or retrospective rating FL Example: 33 Supplemental Disease Exposures Statistical Codes for Supplemental Disease Report Exposure, Rate, Premium and Loss 0059 Abrasive or Sandblasting 0065 Incidental Foundries Steel 0066 Incidental Foundries Non-Ferrous Metals 0067 Incidental Foundries Iron 0133 Supplemental Disease Experience in Connection With Asbestos Exposure 0179 Disease Experience Supplemental 9985 Atomic Energy Radiation Exposure NOC 34 17
18 Lump Sum/Settlements Unit Report Lump-Sum Settlement Y/N Indicator Discounted/Commutative Claim Status Allocated between Medical and Indemnity Detailed Claim Information Lump Sum Amount Paid Benefits Covered by Lump Sum Code Financial Call Allocated between Medical and Indemnity If subdivision is unknown or unspecified, use case values at the time of settlement to determine proration 35 Medicare Secondary Payer (MSP) Claimant receives benefits under a WC policy and may be entitled to Medicare benefits in the future Medicare is not responsible for paying claims associated with a WC injury first also referred to as coordination of benefits Workers compensation pays first, and the secondary payer is Medicare Reporting: Medical loss reported includes set-aside to cover future medical costs, management fees MSP service provider fees are ALAE/DCCE 36 18
19 Missouri Mesothelioma Additional benefits provided for mesothelioma under Missouri statutes Insured may elect to exclude additional benefits for mesothelioma, which eliminates exclusive remedy provisions Endorsements (WC or WC ) 37 Missouri Mesothelioma DR Policy Reporting Endorsement Record Type 7 Unit Reporting Charge for Additional Mesothelioma Benefits Independent Carrier Filing Statistical Code Financial Call Reporting Net Earned Premium Include the premium for Additional Mesothelioma Benefits Company Standard Premium and DSR Level Premium Exclude premium for Additional Mesothelioma Benefits 38 19
20 West Virginia Deliberate Intent Coverage Endorsement (WC A) Provided via WC/EL policy endorsement or excess policy Code 9614 exposure Flat Premium Report 1 for exposure, 0 for rate, and Flat Charge for premium No Premium Report 1 for exposure, 0 for rate, and 0 for premium Type of Nonstandard ID Code 05 Excess Policy Exposure Act Code 07 Excess Benefits Coverage Report corresponding losses under Code 9614 Loss Condition Code Type of Claim 05 Excess Benefits Financial Call #8 Enter as Reason for Difference if included on company s NAIC Annual Statement 39 Considerations Is the policy reportable on line 16 of the NAIC Annual Statement Exhibit of Premiums and Losses? What is the policy term? Does the policy cover the entire exposure and/or is the insurer directly responsible for all losses? Does the policy include optional coverage(s) for risk(s) outside the scope of the basic policy? Is the program administered by NCCI? What is the nature of any independently filed carrier program(s)? 40 20
21 Considerations What is the exposure state? What is the location of the exposure? How is the manual premium determined for each class? Can the final charged premium be determined at first audit? What is the benefit (jurisdiction) state? What Act determines the level of benefits that may be paid? 41 Considerations Is the final claim payment the result of a settlement? If so, is there a reasonable allocation of the settlement between indemnity and medical? Does the medical portion of the settlement include an amount for a Medicare Set-Aside arrangement? If an injured worker is receiving wage loss benefits pursuant to a claim, is the employer or the carrier paying the benefits? If the employer is paying the wage loss benefits, what is the level of the benefits and the duration of the payments? 42 21
22 Federal Coverages Copyright 2015 National Council on on Compensation Insurance, Inc. Inc. All All Rights Reserved Data Educational Program State vs. Federal Workers Compensation Workers compensation laws protect people who are injured on the job Designed to ensure that injured employees are provided with fixed monetary awards, eliminating the need for litigation State statutes establish this framework for most employment Federal statutes are limited to federal employees or workers employed in some aspects of interstate commerce 44 22
23 Topics Federal Employers Liability Act Admiralty Law USL&HW Act and Extensions Texas Classes for Oil and Gas Industry Defense Base Act Federal Mine Safety and Health Act National Defense Projects Rating Plan Atomic Energy 45 Federal Employers Liability Act (FELA) Basic Manual Rule 3-A-4: Railroads engaged in interstate commerce are liable for injuries to, employees if the railroads have been negligent Not intended to be awarded automatically Requires the injured railroader to prove that the railroad was legally negligent, at least in part, in causing the injury This Act is the sole and exclusive remedy for an injury to a worker employed by a railroad Added to the Standard Policy by attaching Endorsement (WC A) FELA is not available in the residual market where NCCI is the Plan Administrator 46 23
24 FELA Coverage FELA Program I Standard Workers Compensation and Employers Liability Policy WC B Federal Employers Liability Act Coverage Endorsement WC A 47 FELA Coverage With Voluntary Compensation FELA Program II Standard Workers Compensation and Employers Liability Policy WC B Federal Employers Liability Act Coverage Endorsement WC A Voluntary Compensation and Employers Liability Coverage Endorsement WC A 48 24
25 FELA Coverage With Voluntary Compensation and Longshore and Harbor Workers Compensation Federal Employers Liability Act Coverage Endorsement WC A FELA Program II USL Act Standard Workers Compensation and Employers Liability Policy WC B Voluntary Compensation and Employers Liability Coverage Endorsement WC A Longshore and Harbor Workers Compensation Act Coverage Endorsement WC A 49 Admiralty Law (Merchant Marine/Jones Act) Basic Manual Rule 3-A-4: Employee benefits similar to workers compensation for masters and members of crews Provides seamen with the same protection from employer negligence as FELA provides railroad workers State Act Workers Compensation plans DO NOT cover vessel crew Employees can bring action against their employer for negligence Transportation Wage Maintenance and Cure (TWMC) coverage may be available Added to the Standard Policy by attaching Endorsement (WC A) 50 25
26 Maritime Coverage Maritime Program I Standard Workers Compensation and Employers Liability Policy WC B Maritime Coverage Endorsement WC A 51 Maritime Coverage With Voluntary Compensation Maritime Coverage Endorsement WC A Maritime Program II Standard Workers Compensation and Employers Liability Policy WC B Voluntary Compensation Maritime Coverage Endorsement WC
27 Maritime Coverage With Voluntary Compensation and Longshore and Harbor Workers Compensation Maritime Coverage Endorsement WC A Maritime Program II USL Act Standard Workers Compensation and Employers Liability Policy WC B Voluntary Compensation Maritime Coverage Endorsement WC Longshore and Harbor Workers Compensation Act Coverage Endorsement WC A 53 Summary FELA Interstate Railroad Employees Program I or Program II Endorsement WC A Admiralty Master/Crew Members Program I or Program II Endorsement WC A (TWMC) 54 27
28 Admiralty Law/FELA Reporting Policy and Unit Report Program I and II 01 for Exposure Act Code and Loss Conditions Act Code Program II USL Act 02 for Exposure Act Code 01 or 02 for Loss Conditions Act Code, depending on benefits Do not report additional premium for Transportation Maintenance Wages Cure (TMWC) Financial Call Maritime and FELA classes Not reportable 55 Quiz Railroad workers engaged in interstate commerce need coverage
29 Quiz provides seamen with the same protection from employer negligence as FELA. 57 Quiz FELA and/or Admiralty coverage are added to the standard WC Policy by
30 United States Longshore and Harbor Workers Compensation Act (USL&HW) Basic Manual Rule 3-A-4: A federal WC law that applies to workers in maritime employments including longshore, harborworkers, shipbuilders, ship breakers, and ship repairers It does not apply to masters or crews of vessels Compensation benefits to workers for an employment-related injury or disease occurring on the navigable waters of the United States or adjoining shore side areas 59 Status and Situs Status is an occupational concept that determines if the work performed or duty is considered maritime employment Situs is a geographical concept that determines if the place of injury is considered an area used by an employer for maritime work Added to the Standard Policy by attaching Endorsement (WC A) 60 30
31 Status and Situs Status C O V E R E D Situs 61 USL&HW Extensions Defense Base Act Nonappropriated Funds Endorsement Outer Continental Shelf Lands Act 62 31
32 Defense Base Act Covers workers engaged in employment on overseas defense bases or under contract with the US government Added to the Standard Policy by attaching Endorsement (WC A) 63 Outer Continental Shelf Lands Act Extends benefits when an injury occurs while work is conducted on the Outer Continental Shelf for the purpose of exploring, developing, removing, or transporting natural resources by pipeline Added to the Standard Policy by attaching Endorsement (WC B) 64 32
33 Nonappropriated Fund Instrumentalities Act Covers morale, welfare, and recreation workers on US military installations in continental Unite States and overseas Added to the Standard Policy by attaching Endorsement (WC A) 65 Summary USL&HW Navigable waters of the United States Endorsement WC A USL&HW Extensions Defense Base Act Endorsement WC A Nonappropriated Funds Endorsement WC A Outer Continental Shelf Lands Act Endorsment WC B 66 33
34 Premium Federal Exposure Basic Manual Rule 3-A-4 Classifications, loss costs, or rates subject to admiralty law, FELA, and USL&HW Act F-Classification codes and Admiralty/FELA classifications that include USL&HW Act benefits Non-F-Classification codes and Admiralty/FELA classifications that do not include USL&HW Act benefits 67 USL&HW Example Found on the NCCI advisory loss cost and/or rate pages in NCCI s Basic Manual Example using Florida rates effective 01/01/14: Classification Payroll Rate LHWCA Factor Adjusted Rate Premium 6872F $75, n/a $13, $75, $19,
35 Federal and State Act Concurrent Benefits Reporting 69 USL&HW and Extensions Policy and Unit Report F-Classes (e.g. 9077F) Industrial class where rate is increased by USL&HW factor Exposure Act 02 Loss Condition Act 02 or 01 depending on benefits Jurisdiction State 00 Financial Call F-Classes Not reportable F-Loaded Classes Reportable 70 35
36 Texas Classes for Oil, Gas, or other Minerals Over Water Experience Rating Plan Classifications for oil, gas, or other minerals on or over water Statistical Plan Part 6 Coding Values Oil, Gas, or other Minerals Over Water Coverage G. Exposure Act/Exposure Coverage Codes State Act (Code 05) USL&HW (Code 08) K-1. Act Loss Condition Codes State Act (Code 05) USL&HW (Code 08) 71 Federal Coverage Service for USL&HW USL&HW and its extensions coverage State Premium Record Record Type 04 (one or more NCCI states on policy) Exposure Record Record Type 05 USLH&W F-Class (refer to Policy and Proof of Coverage Reporting Guidebook for listing Or Exposure Act Code 02 Endorsement Identification Record Record Type 07 (must include one or more of the federal USL&HW endorsement numbers) Daily electronic file to US Department of Labor 72 36
37 Defense Base Act (DBA) Monoline Coverage Reporting Service 73 Federal Coverage Service for DBA Daily electronic file to US Department of Labor 74 37
38 Quiz is a federal coverage that provides workers compensation and employers liability to shipbuilders, ship repairers, and ship breakers. 75 Quiz Daily electronic files are sent to the US Department of Labor for reported excess policies
39 Quiz The industry in Texas has federal codes for work done over water. 77 Quiz USL&HW has extensions available through endorsement
40 Federal Mine Safety and Health Act (Coal Mine Disease) Basic Manual Rule 3-A-12: Disease coverage provided for risks subject to the Act Advisory loss costs/rates and any underlying state law coverage for disease are shown separately on the state pages In states where there are no coal mines, the state pages will not include information for this coverage Available by endorsement (WC A) 79 Federal Mine Safety and Health Act (Coal Mine Disease) Coal worker s pneumoconiosis (black lung) is a lung disease that results from breathing in coal dust over a long period of time. Refer to US DOL for complete black lung definition
41 Black Lung Disease Exposure/Loss Exposure Coverage/Loss Condition Act 01 State Act Description Federal Coal Mine Health and Safety Act Federal Coal Mine Health and Safety Act and the State Act 81 Exposure/Experience Coal Mine Class Codes Class/Stat Code Exposure Act (coverage) Loss Condition Act (benefits paid/payable) Underground Traumatic or OD 1016 State 01 State 01 Underground Black Lung Disease Experience Surface Traumatic or OD Surface Black Lung Disease Experience (1165 Texas) 0156 State 01 State 01 Fed 03 Fed 03 State/Fed 04 State 01 Fed 03 State/Fed 04 State 01 State 01 State 01 State 01 Fed 03 Fed 03 State/Fed 04 State 01 Fed 03 State/Fed
42 Non-Coal Mine Class Codes Exposure/Experience Other Operations (Non-Coal Mine) Traumatic or OD Other Operations Black Lung Disease Experience Class/Stat Code 7228 (e.g., Trucking) 0164 (0161 or 0162 Virginia) Exposure Act (coverage) Loss Condition Act (benefits paid) State 01 State 01 State 01 State 01 Fed 03 Fed 03 State/Fed 04 State 01 Fed 03 State/Fed Federal Black Lung Disease Loss Fields Loss Condition Act Loss Condition Act Jurisdiction State 00 Loss Condition Type of Loss 02 Occupational Disease Loss Condition Act Part of Body Nature of Injury Lungs (Example) 60 Dust Disease, NOC 62 Black Lung 64 Silicosis 84 42
43 Federal Coverage Service for Federal Mine Safety and Health Act State Premium Record Record Type 04 (one or more NCCI states on policy) Exposure Record Record Type 05 Federal Coal Mine Classification or Statistical Code (refer to Policy and Proof of Coverage Reporting Guidebook for listing) Or Exposure Act Code 03 or 04 Endorsement Identification Record Record Type 07 must include the Federal Mine Safety and Health Act coverage endorsement number Daily electronic file to US Department of Labor 85 Financial Call Reporting for Federal Mine Safety and Health Act Financial Call All states except Virginia do not report any underground coal mine experience (traumatic, OD, and black lung) except as a reconciliation item. All states except Virginia report any surface coal mine experience for traumatic and OD. Do not report any surface coal mine experience for black lung except as a reconciliation item. Virginia experience for all coal mine risks is reported on Virginia state-specific coal mine calls Texas Coal Mine NOC 86 43
44 National Defense Projects Rating Plan (NDPRP) Retrospective Rating Plan run by US Department of Defense (DoD) Intended to provide insurance to an eligible contractor at lower costs Covers employees of contractor and all subcontractors working at the same location Eligibility Government contracts represent at least 90% of the payroll for operations at specific location Estimated annual premium for insurance is at least $10,000 Previously Comprehensive Rating Plan; not to be confused with the Defense Base Act 87 National Defense Experience Coverage Type Policy/POC Unit Financial National Defense Projects Rating Plan (Comprehensive Rating Plan) Other National Defense Projects (Guaranteed Cost or Other Retro Plan) Reportable Not Reportable Reportable only in: Call 1 Call 8 Call 19 Reportable Reportable Reportable 88 44
45 Atomic Energy Work performed for or under the direction of the Nuclear Regulatory Commission (NRC) or government agency Class Code 9984 Not reportable to NCCI Work not performed for or under the direction of the NRC or government agency Statistical Code 9985 Premium/Loss reported to NCCI Nevada state special programs Cost-plus work performed at atomic energy sites under contract with the government 9661 Nuclear research at atomic energy projects Pick the Answer Questions Another name for black lung disease Retro program run by DoD Type of work performed for the NRC State with only one coal class code type State that doesn t report surface coal experience Answers Atomic Energy Virginia Pneumoconiosis NDPRP Texas 90 45
46 Considerations Is the policy reportable on line 16 of the NAIC Annual Statement Exhibit of Premiums and Losses? Does the policy include optional coverage(s) for risk(s) outside the scope of the basic policy? What is the nature of the relationship, if any, of the insured (employer) to an agency of the federal government? What is the exposure state? What is the location of the exposure? 91 Considerations For a coal mine risk, is the operation on the surface or underground? How is the manual premium determined for each class? What is the benefit (jurisdiction) state? What Act determines the level of benefits that may be paid? Is the injury of a traumatic or occupational disease nature, specifically pneumoconiosis (black lung)? 92 46
47 93 47
48
49 Supplemental Information
50
51 Presenter Biographies Julie Gonzalez, AIDM, has been employed at NCCI since As a data consultant and project manager in the Data Services Department, her main responsibilities include managing NCCI s Data Educational Program, overseeing major compliance projects, developing new data reporting requirements, and enhancing NCCI s external training programs and data tools. In addition, Julie actively participates on industry committees and association forums to provide industry relationships and subject matter expertise. Prior to joining Data Services, Julie was a senior underwriting analyst, responsible for filing workers compensation rules and programs and managing the appeals board mechanism for several NCCI states. Julie has earned both her Associate in Commercial Underwriting (AU) and Associate Insurance Data Manager (AIDM) designations. Shani Oulton has worked at NCCI for 11 years in the Regulatory Services Division, currently in the National Policy Development area. She is primarily responsible for monitoring workers compensation industry trends across states, with a strong focus on Professional Employer Organizations. Shani holds a bachelor of science degree from the University of Florida.
How To Change The Terrorism Risk Insurance Program
STATE RELATIONS REGULATORY SERVICES Circular DECEMBER 28, ANNOUNCEMENT FL 13 Florida Item 04 FL Terrorism Risk Insurance Program Reauthorization Act of ACTION NEEDED BACKGROUND IMPACT NCCI ACTION PERSON
More informationComparison of Multiple (Cross) Data Types
NCCI S Comparison of Multiple (Cross) Data Types January 26 29, 2016 Palm Beach County Convention Center West Palm Beach, FL Comparison of Multiple (Cross) Data Types Presented by: Julie Gonzalez and
More informationB-1429 PAGE 1 FILING MEMORANDUM ITEM B-1429 ESTABLISHMENT OF AUDIT NONCOMPLIANCE CHARGE PURPOSE BACKGROUND
NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. (Applies in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OK, OR, RI, SC, SD, TN,
More informationWorkers Compensation Guide
Workers Compensation Guide Table of Contents Introduction: The Workers Compensation System 1 A Great Social Compromise 1 Chapter 1: Policy Organization, General Section 5 Policy Organization 5 General
More informationJuly 12, 2012. Circular Letter No. 12-1616
Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 July 12, 2012 ALL ASSOCIATION MEMBERS Circular Letter No. 12-1616 RE: NCCI Item B-1425
More informationWorkers' Compensation Policy Forms and Endorsements
ALPHABETICAL INDEX Forms are listed alphabetically by form title. The forms included in this section, which WOLTERS KLUWER FINANCIAL SERVICES makes available as stock items, are as follows: 1. Standard
More informationNovember 2, 2005. Circular Letter 05-1471. New Minnesota Employee Leasing Rules and Endorsements
Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 November 2, 2005 ALL ASSOCIATION MEMBERS Circular Letter 05-1471 RE: New Minnesota
More informationSERFF Tracking #: NCCI-127176855 State Tracking #: Company Tracking #: B-1423 (MJ)
SERFF Tracking #: NCCI-127176855 State Tracking #: Company Tracking #: B-1423 (MJ) State: Missouri Filing Company: NCCI TOI/Sub-TOI: 16.0 Workers Compensation/16.0004 Standard WC Product Name: B-1423 Elimination
More informationTEXAS WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY MANUAL 2nd Reprint Effective July 1, 2011 ENDORSEMENTS & FORMS
TEXAS WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY MANUAL 2nd Reprint Effective July 1, 2011 ENDORSEMENTS & FORMS INTRODUCTION The Texas Amendatory Endorsement must be attached to all policies providing
More informationWorkers Compensation Coverage Guide
Brochure More information from http://www.researchandmarkets.com/reports/1413761/ Workers Compensation Coverage Guide Description: The definitive guide to understanding Workers Compensation and Employers
More informationJuly 14, 2009. Circular Letter No. 09-1557. RE: Minnesota Alternate Employer Endorsement (Excluding Employers Liability Coverage) WC 22 03 06
Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 July 14, 2009 ALL ASSOCIATION MEMBERS Circular Letter No. 09-1557 RE: Minnesota Alternate
More informationPENNSYLVANIA COAL MINE WORKERS COMPENSATION MANUAL Effective: April 1, 2015 Section Three Endorsements Page 1 TABLE OF CONTENTS ---------------
Section Three Endorsements Page 1 TABLE OF CONTENTS --------------- ENDORSEMENTS Form Name Form Number Anniversary Rating Date Endorsement WC 00 04 02 Catastrophe (Other Than Certified Acts of Terrorism)
More informationENDORSEMENTS WC & GL. Outline. Definition. WC Endorsements. GL Endorsements
ENDORSEMENTS WC & GL Ken Phillips CPCU, APA Director Travelers Premium Audit Outline WC Endorsements Concentrate on NCCI endorsements Will address some state specials Temporary Agencies/Employee Leasing
More informationEmployee Leasing/ PEO Policy Rules and Reporting Requirements. Presented by: Julie Gonzalez and Shani Oulton. Objectives
Employee Leasing/ PEO Policy Rules and Reporting Requirements Presented by: Julie Gonzalez and Shani Oulton Copyright 2015 National Council on on Compensation Insurance, Inc. Inc. All All Rights Reserved.
More informationEXHIBIT A WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 20 01 01 Original Printing Effective January 1, 2008 Standard MASSACHUSETTS TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT
More informationCITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT
CITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT Various provisions of this agreement restrict coverage. Read the entire coverage agreement carefully to determine rights, duties,
More informationTitle 24-A: MAINE INSURANCE CODE
Title 24-A: MAINE INSURANCE CODE Chapter 52: MAINE EMPLOYERS' MUTUAL INSURANCE COMPANY HEADING: PL 1991, c. 615, Pt. D, 1 (new) Table of Contents Section 3701. PURPOSE... 3 Section 3702. DEFINITIONS...
More informationNevada Approval of Item 01-NV-2011 Nevada Employee Leasing Arrangements
REGULATORY SERVICES Circular MARCH 14, 2012 ITEM FILING APPROVAL NV-2012-01 Nevada Approval of Item Nevada Employee Leasing Arrangements ACTION NEEDED Please review the proposed changes outlined in this
More informationMinnesota Forms Manual. Minnesota Workers Compensation Insurers Association, Inc.
Minnesota Forms Manual Minnesota Workers Compensation Insurers Association, Inc. INDEX MINNESOTA FORMS MANUAL The following forms and endorsements in this Minnesota Forms Manual have been approved by the
More informationWORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WC 00 00 00 A (Ed. 4-92) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY PLEASE READ THE POLICY CAREFULLY. QUICK REFERENCE BEGINNING ON PAGE INFORMATION PAGE GENERAL SECTION... 2 A. The Policy...
More informationFrequently Asked Questions
West Virginia Offices of the Insurance Commissioner Workers Compensation Carrier Forum Frequently Asked Questions 1) When can workers compensation carriers begin submitting filings with West Virginia s
More informationNorth Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy
North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY QUICK REFERENCE Beginning
More informationPCRB CIRCULAR NO. 1630 REVISIONS TO WORKERS COMPENSATION & EMPLOYERS LIABILITY INSURANCE FORMS - EFFECTIVE JANUARY 1, 2015 PCRB FILING NO.
August 20, 2014 PCRB CIRCULAR NO. 1630 To All Members of the PCRB: RE: REVISIONS TO WORKERS COMPENSATION & EMPLOYERS LIABILITY INSURANCE FORMS - EFFECTIVE JANUARY 1, 2015 PCRB FILING NO. 258 The Pennsylvania
More informationHow To Rate Workers Compensation In Texas
Workers Compensation Basics Coverage Comparisons Bare Employer responsible No planned benefits for injured worker or their family members Employer subject to loss as large as jury awards Occupational/Accident
More informationSERFF Tracking #: NCCI-129233158 State Tracking #: 112 Company Tracking #: U-1399 (LW)
SERFF Tracking #: NCCI-129233158 State Tracking #: 112 Company Tracking #: U-1399 (LW) State: Missouri Filing Company: NCCI TOI/Sub-TOI: 16.0 Workers Compensation/16.0004 Standard WC Product Name: U-1399
More informationWORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: General Section A. The Policy
More informationPCRB CIRCULAR NO. 1594. Re: NEW FEDERAL USL&HW COVERAGE SERVICE
January 9, 2012 PCRB CIRCULAR NO. 1594 To All Members of the PCRB: Re: NEW FEDERAL USL&HW COVERAGE SERVICE Insurers are currently required to report coverage issued under the Longshore and Harbor Workers
More informationCompConnect RTW, Inc
CompConnect RTW, Inc Workers Compensation Small Accounts Program - Underwriting Guidelines Program Objective & Purpose of Manual I. Program Objective Table of Contents Underwriting Criteria I. Eligibility
More informationWORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY ABCDEFGHIJ In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION
More informationNCCI Filing Memorandum Item B-1420
NCCI Filing Memorandum Item B-1420 NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NM,
More informationB U L L E T I N. December 10, 2012 R.C. 2321. To the Members of the Board. New York Workers Compensation Statistical Plan 2013 Edition
B U L L E T I N 733 Third Avenue New York, New York 10017 Tel: (212) 697-3535 www.nycirb.org December 10, 2012 Contact: Ziv Kimmel, VP & Actuary Ext. 117, zkimmel@nycirb.org R.C. 2321 To the Members of
More informationWorkers Compensation List
Workers Compensation List A Able to Earn: In state workers' compensation laws, an employee's fair average weekly or monthly wage, or an injured worker's earning capacity. In the event of a temporary partial
More informationSTATE OF NEVADA. December 5, 2011
BRIAN SANDOVAL Governor STATE OF NEVADA TERRY JOHNSON Director SCOTT J. KIPPER Commissioner DEPARTMENT OF BUSINESS AND INDUSTRY DIVISION OF INSURANCE 1818 East College Pkwy., Suite 103 Carson City, Nevada
More informationCOMPENSATION RATING AND INSPECTION BUREAU MANUAL AMENDMENT BULLETIN #468
COMPENSTION RTING ND INSPECTION UREU 60 PRK PLCE NEWRK, NEW JERSEY 07102 (973) 622-6014 FREDERICK. HUER Executive Director PUL G. WITKO, ESQ. ssociate Executive Director General Counsel June 4, 2015 MNUL
More informationSTATE OF NEVADA. December 12, 2011. Industrial Insurance NCCI Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance
BRIAN SANDOVAL Governor STATE OF NEVADA TERRY JOHNSON Director SCOTT J. KIPPER Commissioner DEPARTMENT OF BUSINESS AND INDUSTRY DIVISION OF INSURANCE 1818 East College Pkwy., Suite 103 Carson City, Nevada
More informationVirginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers
Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers The information contained below is general in nature and is not intended and may not be considered as providing
More informationWORKERS COMPENSATION OVERVIEW. Table 15-WC-1--FINANCIAL DIMENSIONS OF WORKERS COMPENSATION
WORKERS COMPENSATION OVERVIEW Every State and the Federal government has a workers compensation law that provides no-fault medical and lost wage benefits to workers who are injured, killed, or become ill
More informationWORKER S COMPENSATION AND EMPLOYERS LIABILITY INSURANCE
WCRB Wisconsin Compensation Rating Bureau WISCONSIN WORKERS COMPENSATION STATISTICAL PLAN MANUAL WORKER S COMPENSATION AND EMPLOYERS LIABILITY INSURANCE Effective April 17, 2012 SUMMARY OF CHANGES issued
More informationFILING MEMORANDUM ITEM RM-01-TN-2015 ESTABLISHMENT OF NCCI'S WORKERS COMPENSATION INSURANCE PLAN DOCUMENTS AND RULES
(Applies in: TN) PAGE 1 FILING MEMORANDUM PURPOSE This item establishes NCCI s Workers Compensation Insurance Plan documents and rules (Plan Documents) in Tennessee. NCCI s Workers Compensation Insurance
More informationWorkers Compensation. Coverage
All the States have adopted interstate agreements for the payment of benefits to workers who move across State lines. They also have made special wage-combining agreements for workers who earned wages
More informationCIRCULAR LETTER NO. 2224. Revisions to the Massachusetts Workers Compensation Statistical Plan
August 30, 2013 CIRCULAR LETTER NO. 2224 To All Members and Subscribers of the WCRIBMA: Revisions to the Massachusetts Workers Compensation Statistical Plan On August 14, 2013, the Massachusetts Division
More informationJanuary 12, 2012. Circular Letter 12-1607
Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 January 12, 2012 ALL ASSOCIATION MEMBERS Circular Letter 12-1607 RE: Federal Coverage
More informationMINNESOTA AGGREGATE FINANCIAL DATA REPORTING GUIDEBOOK. Annual Calls for Experience Valued as of December 31, 2015
MINNESOTA AGGREGATE FINANCIAL DATA REPORTING GUIDEBOOK Annual Calls for Experience Valued as of December 31, 2015 11/5/2015 ANNUAL CALLS FOR EXPERIENCE As the licensed Data Service Organization in Minnesota,
More informationSYLLABUS FOR MARITIME PERSONAL INJURY AND DEATH
SYLLABUS FOR MARITIME PERSONAL INJURY AND DEATH Spring 2016 PROFFESSOR JOHN F. UNGER 1 LEARNING OBJECTIVES The objectives of this course are to teach the substantive law of the subject matter integrated
More informationPOOL PROCEDURES for EXISTING POLICIES
Administrator of the Massachusetts Workers Compensation Assigned Risk Pool POOL PROCEDURES for EXISTING POLICIES (Updated March 17, 2014) The most recent updates are highlighted. Table of Contents Table
More informationCIRCULAR LETTER NO. 2233
January 31, 2014 CIRCULAR LETTER NO. 2233 To All Members and Subscribers of the WCRIBMA: ADOPTION OF NCCI s ITEM FILING P-1411 REVISIONS TO FORMS MANUAL OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY
More informationJanuary 12, 2012. CIRCULAR LETTER #250 TO ALL MEMBERS RE: New Federal Proof of Coverage Service
COMPENSATION ADVISORY ORGANIZATION OF MICHIGAN P.O. Box 3337 Livonia, MI 48151-3337 PHONE: (734) 462-9600 FAX: (734) 462-9721 Internet WEB Site: www.caom.com E-Mail: caom@caom.com January 12, 2012 USL&H
More informationUnit Statistical Data Loss and Claim Conditions
NCCI S Unit Statistical Data Loss and Claim Conditions January 26 29, 2016 Palm Beach County Convention Center West Palm Beach, FL Unit Statistical Data Loss and Claim Conditions Presented by: Richard
More informationBulletin No. 2014-09 July 21, 2014
WCIRB Bulletin Bulletin No. 2014-09 July 21, 2014 525 Market Street, Suite 800 San Francisco, CA 94105-2767 415.777.0777 Fax 415.778.7007 www.wcirb.com wcirb@wcirb.com California Standard Forms Amendments
More informationReview of US Disability Systems. Douglas W Martin MD, FAADEP, FACOEM, FAAFP Medical Director St. Luke s COHE Sioux City, Iowa
Review of US Disability Systems Douglas W Martin MD, FAADEP, FACOEM, FAAFP Medical Director St. Luke s COHE Sioux City, Iowa US Disability Systems Workers Compensation Social Security Administration VA
More informationNEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL. Copyright 2007 NYCIRB All rights reserved.
NEW YORK WORKERS COMPENSATION Copyright 2007 NYCIRB All rights reserved. NEW YORK WORKERS COMPENSATION Page i 1 st Reprint Issued January 1, 2007 TABLE OF CONTENTS TABLE OF CONTENTS Page ADMINISTRATIVE
More informationCIRCULAR LETTER NO. 2137
January 8, 2010 CIRCULAR LETTER NO. 2137 To All Members and Subscribers of the Bureau: Adoption of NCCI s 2009 Retrospective Rating Plan Manual, Corresponding Massachusetts State Exception Pages and Retrospective
More informationConnecticut Voluntary Loss Cost and Assigned Risk Rate Filing Proposed Effective January 1, 2015
Connecticut Voluntary Loss Cost and Assigned Risk Rate Filing Proposed Effective January 1, 2015 The 2014 Connecticut Workers Compensation Voluntary Loss Costs and Assigned Risk Rates ( Filing ) is the
More informationNEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY
NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY 2007 INTRODUCTION This booklet provides a basic explanation of how the cost of a New Jersey
More informationSTOP GAP EMPLOYERS LIABILITY COVERAGE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE
More informationMissouri Supplemental Information FAQs for Missouri Senate Bill 1
National Council on Compensation Insurance Regulatory Services OCTOBER 18, 2013 ITEM FILING SUPPLEMENTAL INFORMATION FYI-MO-2013-01 Missouri Supplemental Information FAQs for Missouri Senate Bill 1 Missouri
More informationWorkers Compensation Insurance Overview
Workers Compensation Insurance Overview Presented by Laura Backus Hall, CPCU State Relations Executive February 18, 2015 Overview of Presentation What is Workers Compensation Insurance? Workers Compensation
More informationVirginia Workers Compensation Commission
Virginia Workers Compensation Commission Employer Guide to Virginia Workers Compensation 11 What is Workers Compensation? Workers Compensation is a mandatory insurance requirement for most employers. It
More informationWISCONSIN EXPERIENCE RATING PLAN MANUAL
WISCONSIN EXPERIENCE RATING PLAN MANUAL Effective January 1, 2005 issued by: 20700 Swenson Drive, Suite 100 Waukesha, WI 53186 Contains Materials Copyrighted by the National Council on Compensation Insurance,
More informationDEFENSE BASE ACT WORKERS COMPENSATION FOR EMPLOYEES OF U.S. GOVERNMENT CONTRACTORS WORKING OVERSEAS
DEFENSE BASE ACT WORKERS COMPENSATION FOR EMPLOYEES OF U.S. GOVERNMENT CONTRACTORS WORKING OVERSEAS Federal law requires all U.S. government contractors and subcontractors to secure workers compensation
More informationMARITIME EMPLOYERS LIABILITY PROGRAM SUMMARY
MARITIME EMPLOYERS LIABILITY PROGRAM SUMMARY TYPE LIMIT $1,000,000 MINIMUM PREMIUM $25,000 if written Monoline $ 5,000 if written in conjunction with other supporting lines All forms of Maritime employees
More informationWORKERS COMPENSATION and EMPLOYERS LIABILITY INSURANCE
Basic Manual for WORKERS COMPENSATION and EMPLOYERS LIABILITY INSURANCE 2011 Edition Michigan Workers Compensation Placement Facility P.O. Box 3337 Livonia, Michigan 48151 3337 BASIC MANUAL FOR WORKERS
More informationDEFENSE BASE ACT WORKERS COMPENSATION FOR EMPLOYEES OF U.S. GOVERNMENT CONTRACTORS WORKING OVERSEAS
DEFENSE BASE ACT WORKERS COMPENSATION FOR EMPLOYEES OF U.S. GOVERNMENT CONTRACTORS WORKING OVERSEAS Federal law requires all U.S. government contractors and subcontractors to secure workers compensation
More informationWorkers Compensation: USA and California
International Social Security Association Conference Seminar III: Respiratory Diseases in Asia - Reporting, Recording, Prevention and Rehabilitation Shenzhen, Peoples Republic of China September 2006 Workers
More informationWorkers Compensation Focus
Workers Compensation Focus Chapter 1 THE TRADE OFF...1 Workers Compensation Statutes...1 Safety by Statute...2 Chapter 2 EXPLANATION OF THE POLICY...3 Policy Layout...3 PART ONE WORKERS COMPENSATION INSURANCE...4
More informationMay 17, 2012. Circular Letter No. 12-1614
Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 May 17, 2012 ALL ASSOCIATION MEMBERS Circular Letter No. 12-1614 RE: NCCI Item E-1402
More informationState 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 information1.1.1. The term OCIP, as used throughout the Contract documents, shall refer to the Owner Controlled Insurance Program.
SECTION 00 73 16 - PART 1 - GENERAL 1.1. DEFINTIONS 1.1.1. The term OCIP, as used throughout the Contract documents, shall refer to the Owner Controlled Insurance Program. 1.1.2. The term OCIP Administrator,
More informationH. The Contractor shall not begin work under the contract until the required insurance has been obtained and approved by the Contracting Agency.
Insurance Requirements (1) General Requirements A. The Contractor shall obtain the insurance described in this section from insurers approved by the State Insurance Commissioner pursuant to RCW Title 48.
More informationAn Overview of Kentucky's Workers Compensation Law. Dwight T. Lovan, Commissioner Department of Workers Claims
An Overview of Kentucky's Workers Compensation Law Dwight T. Lovan, Commissioner Department of Workers Claims Introduction History of of Workers Compensation 1909-1910: First Workers Compensation Statutes.
More informationReporting of Deductible Programs
Reporting of SUMMARY OF REPORTING OF DEDUCTIBLE PROGRAMS These instructions and requirements for the Reporting of is a centralized resource that provides you with details on the following: Overview of
More informationNavigating USL&H Workers Compensation. ZProgramsMatch Webinar Series
Navigating USL&H Workers Compensation ZProgramsMatch Webinar Series November 16, 2009 Agenda Introduction USL&H Workers Compensation Industry Specialists An in-depth look at USL&H Workers Compensation
More informationCALIFORNIA INSURANCE COMPANY
CALIFORNIA INSURANCE COMPANY NAIC No. 38865 10825 Old Mill Road, Omaha, Nebraska 68154 877-234-4420 WORKERS COMPENSATION AND EMPLOYER S LIABILITY INSURANCE POLICY INFORMATION PAGE Policy No. 46-004990-01-06
More informationWorkers Compensation Extraterritorial Issues. by Maureen Gallagher
Workers Compensation Extraterritorial Issues by Maureen Gallagher Brief History Workers Compensation in the United States of America is a combination of private insurance and/or governmental programs.
More information888-GO-LONGY.COM DEFENSE BASE ACT THE FREQUENTLY ASKED QUESTIONS SEAMAN S INFORMATION REGARDING MARITIME INJURY
DEFENSE BASE ACT THE FREQUENTLY ASKED QUESTIONS ORGANIZED BY THE LAWYERS AT ANAPOL SCHWARTZ. 2009 ALL RIGHTS RESERVED. CONTACT LAWYERS: MICHAEL MONHEIT, LARRY LEVIN & JOEL FELDMAN CALL: (215) 735-0364
More informationHow To Calculate Workers Compensation Claim Costs In New York
Consulting Actuaries Examining Costs and Trends of Workers Compensation Claims in New York State Authors Scott J. Lefkowitz, FCAS, MAAA, FCA Steven G. McKinnon, FCAS, MAAA Contents 1. Introduction 1 2.
More informationFlorida Workers Compensation: A Guide for the HR Professional
Florida Workers Compensation: A Guide for the HR Professional Jennifer K. Price, FCAS, MAAA Session Objectives Workers Compensation Basics Florida Reforms, Cost Trends, and Challenges The Patient Protection
More informationCOLORADO SPECIAL DISTRICTS PROPERTY AND LIABILITY POOL WORKERS COMPENSATION & EMPLOYER S LIABILITY COVERAGE DOCUMENT GENERAL SECTION
COLORADO SPECIAL DISTRICTS PROPERTY AND LIABILITY POOL WORKERS COMPENSATION & EMPLOYER S LIABILITY COVERAGE DOCUMENT In return for the payment of the contribution and subject to all terms of this coverage
More informationWhat Is Workers Compensation?
What Is Workers Compensation? An Accident Insurance Program State Mandated Compulsory Company Funded What Does Worker s Comp Cover? Medical and Rehabilitation Expenses Lost Wages Death Benefits Where Can
More informationOther states' coverage in WC residual market policies Resource kit 31034
Other states' coverage Other states' coverage in WC residual market policies Resource kit 31034 By Dan Corbin, CPCU, CIC, LUTC The idea of a uniform solution to other states coverage in the workers' compensation
More informationFEDERAL AND ADMIRALTY LAWS: WHO IS COVERED? WHEN AND WHERE DO THEY APPLY?
USL&H COVERAGES FEDERAL AND ADMIRALTY LAWS: WHO IS COVERED? WHEN AND WHERE DO THEY APPLY? Workers compensation laws covering maritime employment, and how they are applied to various situations, can be
More informationQuick Guide to Workers Compensation
Quick Guide to Workers Compensation What Is Workers Compensation Insurance? Workers compensation insurance covers businesses for their statutory and legal obligations for employee expenses that are a direct
More informationWORKERS COMPENSATION GLOSSARY
WORKERS COMPENSATION GLOSSARY ACCIDENT An unplanned and unexpected event which occurs suddenly and at a definite place resulting in injury and/or damage. ACCIDENT FREQUENCY The rate of the occurrence of
More informationinterstate travel by employees of those states listed in Item 3.A. of the policy Information Page.
Beware of Out-of-State Workers Compensation Exposures By: Duane Schroeder, CPCU Vice President Indiana Compensation Rating Bureau Like a gator lurking in murky water, there may be an E&O issue ready to
More informationTHIRD PARTY LIABILITY
THIRD PARTY LIABILITY P-100 General Information P-200 Indicators of Potential Third Party Resources P-300 Assignment/Cooperation P-400 Local Office/BHSF Responsibilities P-500 Buy-In Program Reissued June
More informationDefense Base Act History and Purpose of The Act
Department of Labor OWCP Defense Base Act Workshop Defense Base Act History and Purpose of The Act 1. Passed in 1942 amended later 2. To cover overseas civilian workers 3. On government contracts 4. Whether
More informationWorkers' Compensation
Workers' Compensation Workers compensation provides benefits to injured employees for accidents or occupational diseases arising out of, and in the course of, their employment. Compensation coverage is
More informationTitle 24-A: MAINE INSURANCE CODE
Maine Revised Statutes Title 24-A: MAINE INSURANCE CODE Chapter 26: THE WORKERS' COMPENSATION RESIDUAL MARKET DEFICIT RESOLUTION AND RECOVERY ACT HEADING: PL 1995, c. 289, 11 (new) 2392. DEFINITIONS As
More informationHow To Insure A Car In The United States
Save As UCIP COVERAGE SUMMARY EXHIBIT 1A THE REGENTS OF THE UNIVERSITY OF CALIFORNIA UNIVERSITY CONTROLLED INSURANCE PROGRAM (UCIP) This Exhibit summarizes the UCIP Commercial General Liability, Workers
More informationNEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN
NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL
More informationLegal and Legislative Conference
Legal and Legislative Conference Workers Compensation What if the PEO Client Secures It? Copyright 2004 The Nugent Law Firm, P.C. All Rights Reserved Traditional PEO PEO Secures WC Insurance through Master
More informationPUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE
PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE FOR THE PERIOD JULY 1, 2015 TO JUNE 30, 2016 EFFECTIVE: JULY 1, 2015 PUBLIC ENTITY RISK MANAGEMENT
More informationDecember 19, 2012 PCRB CIRCULAR NO. 1611. Re: APPROVAL OF PCRB FILING NO. 250 MANUAL REVISIONS TO SECTIONS 1, 3 AND 5 EFFECTIVE JANUARY 1, 2013
December 19, 2012 PCRB CIRCULAR NO. 1611 To All Members of the PCRB: Re: APPROVAL OF PCRB FILING NO. 250 MANUAL REVISIONS TO SECTIONS 1, 3 AND 5 EFFECTIVE JANUARY 1, 2013 1) SECTION 1, RULE XVII PROFESSIONAL
More informationINSURANCE REQUIREMENTS FOR FEDERAL CONTRACTORS
INSURANCE REQUIREMENTS FOR FEDERAL CONTRACTORS This document is provided to supply you with information regarding insurance requirements on Government contracts. Please be advised that the samples are
More informationThe Agent s Guide to Workers Comp 2015
The Agent s Guide to Workers Comp 2015 WORKERS COMPENSATION INSURANCE WORK SAFE, T EXAS SM Table of Contents Part I: The Basics n Why Workers Comp? 1 n Industry Classification Groups 3 n Standard Exception
More informationLARGE DEDUCTIBLE WORKERS COMPENSATION APPLICATION
Applicant s Representative: Address: Effective date: Quote needed by: New application Renewal of policy number 1) Legal name of applicant (and subsidiaries if applicable): 2) Mailing address: 3) FEDERAL
More informationQuick Guide to Workers Compensation for Small Business
Quick Guide to Workers Compensation for Small Business Do I Need Workers Compensation Coverage? Generally speaking, businesses must obtain workers compensation coverage if they have employees that are
More informationThis bill creates the following section of the Florida Statutes: 627.4138
BILL: SB 810 The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) Prepared By: The Professional
More informationNon Employee Labor WC & GL
Non Employee Labor WC & GL Presented by: Becky Garry, CPCU, APA, ARM, AU Overland Solutions, Inc. Subcontractors/Contract Laborers/Independent Contractors General Liability & Workers Compensation Who What
More informationDivision of Workers' Compensation
1 of 5 10/14/2010 11:32 AM Division of Workers' Compensation Frequently Asked Questions Employer FAQs Who needs Workers' Compensation coverage? How does an employer obtain workers' compensation insurance?
More information