State of the Workers Compensation Market
|
|
- Dwayne Haynes
- 7 years ago
- Views:
Transcription
1 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
2 Workers Compensation Countrywide Premium 2
3 $ Billions 50 State Funds ($ B) Countrywide Workers Compensation Premium First Increase in Years Private Carriers ($ B) Net Written Premium Calendar Year Source: Private Carriers, Annual Statement Data; 2011, NCCI State Funds: AZ, CA, CO, HI, ID, KY, LA, MD, MO, MT, NM, OK, OR, RI, TX, UT Annual Statements State Funds available for 1996 and subsequent 3
4 Countrywide Average Approved Bureau Rates/Loss Costs History of Average Workers Compensation Bureau Rate/Loss Cost Level Changes Percent Cumulative % 2.9 Cumulative % Cumulative % * Preliminary Countrywide approved changes in advisory rates, loss costs, and assigned risk rates as filed by the applicable rating organization relative to the previously filed rates * Calendar Year Cumulative %
5 Countrywide Average Approved Bureau Rates/Loss Costs Percent All States vs. NCCI States All States NCCI States Cumulative : 14.7% All States 13.1% NCCI States * Calendar Year * Preliminary Countrywide approved changes in advisory rates, loss costs, and assigned risk rates as filed by the applicable rating organization relative to the previously filed rates 5
6 Status of NCCI Filing Activity Voluntary Market Filings Number of States /2010 Season 2010/2011 Season 2011/2012 Season 2012/2013 Season Less than 0% No Filing 0% and greater 6
7 Percent 15 Current NCCI Voluntary Market Rate/Loss Cost Level Changes Excludes Law-Only Filings WVKY VA AR IL TX AK GAME UT NC SD MT NE DC OK NH SC ORMOKS TN LA NVMD ID AZ MS IN AL NMCO HI VT FL CT IA RI Approved Pending Reflects the most recent experience filing in each jurisdiction 7
8 Percent Countrywide Impact of Discounting on Workers Compensation Premium NCCI States Private Carriers Rate/Loss Cost Departure Schedule Rating Dividends p Policy Year p Preliminary Dividend ratios are based on calendar year statistics NCCI benchmark level does not include an underwriting contingency provision Based on data through 12/31/2011 for the states where NCCI provides ratemaking services 8
9 Workers Compensation Premium Rate Ranking Premium Rate Index per $100 of Payroll ND IN AR VA DC NV UT MA CO MS KS WV OR TX AZ MO HI MD NE MI WY DE FL OH GA NM NC IA SD KY AL RI TN ID MN SC LA VT WA PA WI ME NH MT NJ OK NY IL CA CT AK Source: 2012 Oregon Workers Compensation Premium Rate Ranking Summary Indexes based on rates in effect on January 1,
10 Countrywide Average Rates by Industry Group Pure Loss Cost All Classes All Classes Manufacturing Contracting Office & Clerical Goods & Services Miscellaneous Calculated from WCSP payroll and company-level premium data in NCCI states 10
11 Countrywide Distribution of Payroll and Premium by Industry Group Goods & Services 19.0% Misc 5.3% Manufact 8.3% Contracting 6.4% Misc 16.1% Premium Manufact 16.0% Payroll Office & Clerical 61.0% Goods & Services 29.9% Contracting 24.6% Calculated from WCSP payroll and company-level premium data in NCCI states Office & Clerical 13.4% 11
12 Countrywide Policy Size Comparison by Policy Count and Premium 8.4% 5.7% 2.2% 10.1% $0 $1,999 $2,000 $4,999 Premium 2.5% 4.0% 5.0% 17.8% Policy Count 55.8% $5,000 $9,999 $10,000 $24,999 $25,000 $99,999 $100,000 and greater 9.2% 19.4% 59.9% Calculated from WCSP payroll and company-level premium data in NCCI states 12
13 Estimated Ultimate Premium All Pools Combined Billions Traumatic Only Policy Year PY Est. Ult. Premium 2010 = $454M 2011 = $509M 2012 = $805M NCCI residual market pool data valued as of 9/30/12, which excludes direct assignment policy premium. 13
14 Workers Compensation Combined Ratios 14
15 Percent Countrywide Workers Compensation Calendar Year Combined Ratio Remains High Private Carriers 140 Dividends Underwriting Expense LAE Loss Calendar Year Source: , Annual Statement Data 15
16 Percent Countrywide Workers Compensation Calendar Year Net Combined Ratios Private Carriers and State Funds Private Carriers NCCI-Affiliated State Funds State Funds Calendar Year Source: Private Carriers, Annual Statement Data NCCI-Affiliated State Funds: AZ, CO, HI, ID, KY, LA, MO, MT, NM, OK, OR, RI, UT Annual Statements State Funds: AZ, CA, CO, HI, ID, KY, LA, MD, MO, MT, NM, OK, OR, RI, TX, UT Annual Statements 16
17 Percent 130 Countrywide Accident Year Net Combined Ratio Workers Compensation Calendar Year vs. Ultimate Accident Year Private Carriers Calendar Year Accident Year Accident Year data is evaluated as of 12/31/2011 and developed to ultimate Source: Calendar Years , Annual Statement Data; Ultimate Accident Years , NCCI analysis based on Annual Statement Data Includes dividends to policyholders 17
18 Results Vary From State to State Accident Year 2011 Combined Ratios AR WV TX AK IN, VA DC, HI, NV KY, NE, TN MO IL, ME KS OK, SD IA, MS GA, ID AL, FL NC NM LA VT UT MD, NH CT RI AZ CO OR Data is evaluated as of 12/31/
19 Claim Frequency 19
20 Percent 12 9 Countrywide Workers Compensation Lost-Time Claim Frequency Declined in 2011 Cumulative Change of 55.5% ( adjusted) Lost-Time Claims Indicated Adjusted p Accident Year 2011p: Preliminary based on data valued as of 12/31/ : Based on data through 12/31/2010, developed to ultimate Based on the states where NCCI provides ratemaking services, including state funds; excludes high deductible policies Frequency is the number of lost-time claims per $1M pure premium at current wage and voluntary loss cost level 20
21 The Recession Impacted Premium Audits Final Premium vs. Estimated Premium by Policy Effective Quarter Percent Recession Q1 '06 Q2 '06 Q3 '06 Q4 '06 Q1 '07 Q2 '07 Q3 '07 Q4 '07 Q1 ' Q2 ' Q3 ' Q4 ' Q1 '09 Q2 ' Q3 '09 Q4 '09 Q1 '10 Q2 '10 Policy Quarter NCCI s Statistical Plan audited premium compared to policy-estimated premium Based on the states where NCCI provides ratemaking services, including state funds; excludes high deductible policies and mid-term cancellations 21
22 Adjustments to Indicated Change in Lost-Time Claim Frequency Accident Year 2010 & 2011 Estimated Adjustments to Frequency Change Unadjusted Frequency Change +10% 4% CY Premium Adjustment 6% +4% Workweek and Industry Group Mix 1% 1% Adjusted Frequency Change +3% 1% 22
23 Countrywide Distribution of Claims by Injury Type 8.5% 0.3% 14.4% 76.8% Countrywide Medical Only Temporary Total Permanent Partial Permanent Total/Fatal Based on NCCI s Statistical Plan data 23
24 Indemnity Severity 24
25 Percent Change Countrywide Workers Compensation Indemnity Severity Modest Increase in Average Indemnity Cost per Lost-Time Claim Change in Indemnity Cost per Lost-Time Claim Change in Average Weekly Wage p Year p Preliminary Based on the states where NCCI provides ratemaking services, including state funds; excludes high deductible policies Sources:Average Weekly Wage : Quarterly Census of Employment and Wages, Economy.com; p, NCCI Accident year indemnity severity NCCI states, NCCI
26 Countrywide Indemnity Loss Distribution by Injury Type 16.0% 14.1% 69.9% Countrywide Temporary Total Permanent Partial Permanent Total/Fatal Based on NCCI s Statistical Plan data 26
27 Medical Severity 27
28 Countrywide Workers Compensation Medical Severity Moderate Increase in 2011 Percent Change Average Medical Cost per Lost-Time Claim Change in Medical Cost per Lost-Time Claim Change in Medical CPI p Year p Preliminary Based on the states where NCCI provides ratemaking services, including state funds; excludes high deductible policies Sources:Medical CPI All states, Moody s Economy.com; Accident year medical severity NCCI states, NCCI 28
29 Countrywide Medical Loss Distribution by Injury Type 16.9% 11.7% 16.6% 54.8% Countrywide Medical Only Temporary Total Permanent Partial Permanent Total/Fatal Based on NCCI s Statistical Plan data 29
30 NCCI Experience Rating Plan: Recent Changes to the Primary/Excess Split Point 30
31 Experience Rating Plan Experience Rating Formula Weight, assigned by expected loss Actual excess losses based on insured s experience Expected excess losses A p + (W x A e ) + (1 W) x E e + B Ballast, assigned by expected loss Actual primary losses based on insured s experience E p + E e + B Expected primary losses Actual primary losses: actual losses that have been capped at the split point Actual excess losses: actual losses that are above the split point, subject to accident limit Expected losses: calculated by multiplying insured s payroll in 100 s by class ELR Expected primary losses: calculated by multiplying expected losses by class D-ratio Expected excess losses: Expected losses expected primary losses 31
32 Experience Rating Plan Item E-1402 Effective 1/1/2013 and subsequent in NCCI states Increases the primary/excess split point Indexes the split point, so future increases are automatic Revises the maximum modification formula/cap, so the maximum mod is not less than 1.10 Experience rating changes will be premiumneutral statewide 32
33 Experience Rating Plan Split Point Review The split point separates losses into primary and excess components. It had been $5,000. If the split point is not indexed for claim cost inflation, a greater proportion of losses fall into the excess category as time goes on. Since excess losses receive less weight than primary losses in the experience rating formula, the plan becomes less responsive. Performance testing indicates that the split point needs to be increased to $15,000. This is not surprising since the average cost of a claim has tripled since the last split point update (20 years ago). 33
34 Quintile Analysis: Prior $5,000 Split Point PY 2006 Experience Under the ER Plan, Indexed for Severity Inflation Relative Pure Loss Ratio 150% 100% 50% Before Experience Rating 0.36 to th Percentile 75th Percentile 25th Percentile 5th Percentile 0.89 to to to to 3.67 After Experience Rating 0.36 to to to to to 3.67 Groups Based on Experience Rating Modification Relative Pure Loss Ratio = Loss Ratio for Quintile / Loss Ratio for All Quintiles Combined 34
35 Quintile Analysis: Indicated $15,000 Split Point PY 2006 Experience Under the ER Plan, Indexed for Severity Inflation Relative Pure Loss Ratio 150% 100% 50% Before Experience Rating 0.32 to th Percentile 75th Percentile 25th Percentile 5th Percentile 0.81 to to to to 4.26 After Experience Rating 0.32 to to to to to 4.26 Groups Based on Experience Rating Modification Relative Pure Loss Ratio = Loss Ratio for Quintile / Loss Ratio for All Quintiles Combined 35
36 Experience Rating Plan Item E-1402 The effective date coincides with the effective date of the loss cost or rate filing A transition program* is phasing in the split point change: Year 1, the split point is being increased to $10K Year 2, the split point will be further increased to $13.5K Year 3, the split point will be increased all the way to the indicated split point of approximately $17K ($15K plus two years of inflation adjustment rounded to the nearest $500) Subsequent annual filings will increase the split point as indicated * A 4-year transition was approved in MO 36
37 Typical Annual Mod Changes Under No Change in Split Point The 2013 split point change is not occurring in isolation The regular annual update of the NCCI ER values is also occurring This can change mods by several percent Employer experience is also updated annually This is typically the biggest driver of changes in mods, especially for large mod changes Changes in the split point will become part of the regular annual update of the experience rating values 37
38 Typical Annual Mod Changes Under No Change in Split Point Distribution of Differences Between 2010 and 2011 Mod Values for Selected States* % Change in Mod % of Risks Average Mod 2010* 2011* Change <-15% 4.5% %<Change<-10% 3.4% %<Change<-5% 5.1% %<Change<0% 20.6% No Change 22.5% %<Change<5% 31.6% %<Change<10% 4.3% %<Change<15% 2.9% %<Change<20% 2.0% %<Change 3.1% * For some states the difference between 2011 and 2012 is used 38
39 Preliminary Mods and Final Mods Experience rating (ER) values using a $10,000 split point were filed on a state-by-state basis for loss cost and rate filings effective and subsequent When a loss cost filing was pending, preliminary mods were issued by NCCI Preliminary mods use approved ER values and were issued under a $5K split point until the rate (loss cost) filing was approved Final mods that use the revised split point were issued once the rate (loss cost) filing was approved 39
40 Preliminary Mods and Final Mods In 2012, Preliminary mods were computed using: - 3-years of updated actual losses for employers - Prior approved split point ($5,000) - Prior approved Expected Loss Rates (ELR) - Prior approved D-ratio, Weights, & Ballasts Upon approval, Final mods were computed using: - 3-years of updated actual losses for employers - New split point ($10,000) -New ELR - New D-ratio, New Weights, & New Ballasts NCCI is analyzing the comparison of preliminary and final mod results as states are approved 40
41 Comparisons of Preliminary Mods to Final Mods Initial Snapshot of Mod Results from Recently Approved States* % Change in Prelim_Mod to Final_Mod % of Risks Preliminary SP = $5K Average Mod Final SP = $10K Change < 15% 0.07% %<Change < 10% 0.43% %<Change < 5% 11.45% %< Change < 0% 61.64% No Change 4.48% %< Change <5% 9.97% %< Change <10% 8.04% %< Change <15% 3.23% %<Change 0.68% Total % * Based upon a sample of 75,007 intrastate risks from the following 26 states: MO, AZ, IN, OR, IL, NM, MD, OK, ID, HI, KS, FL, NH, TN, IA, ME, CO, AL, NE, CT, GA, MS, LA, AK, VA, NV 41
42 Conclusions NCCI is currently tracking the change in split point by doing comparisons of preliminary to final mod values for a large sample of risks The results are very similar to NCCI s previous countrywide split point research. That is: - The majority of risks receive credits - Credits and debits are larger under $10K split point This comparison differs slightly from NCCI s countrywide research, which isolated the split point change across a full year s risks in all NCCI states The initial snapshot of results from the split point change is consistent with NCCI s previous countrywide research 42
43 Thank You!
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 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 informationFlorida 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 informationMontana 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 informationehealth 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 informationU.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 informationHow To Rate Plan On A Credit Card With A Credit Union
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 informationState 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 informationWorkers 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 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 informationRegional 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 informationTable 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 informationFederation 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 informationTable 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 informationProfessional Employer Organizations (PEO) and Workers Compensation. Implications for Ratemaking
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
More informationFederation 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 informationNew 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 informationStandardized 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 informationThe New Workers Compensation Experience Mod. Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation
The New Workers Compensation Experience Mod Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation 1 Why is There an E-Mod? Industry Standard Individual Employer s Published
More informationTITLE 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 informationAmGUARD 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 informationDownload 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 informationSTATUS 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 informationNHIS 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 informationThe 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 informationPayroll 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 informationFederation 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 informationFederation 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 informationFinal 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 informationNAAUSA 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 informationAnnual 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 informationUnderstanding 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 informationAllianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc.
A Fixed Indexed Annuity with a 10-year surrender period. This product is not available in CT NY PR VI Ratings A.M. Best : A Moody's: A2 Standard & Poor's: AA Rates Current Rates 01/06/2015 Guaranteed Minimum
More informationRATE 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 informationAon 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 informationState 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 informationEnrollment 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 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 informationNCCI 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 informationLife 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 informationState 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 informationLexisNexis 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 informationAuto Insurance Underwriting/Rating
Auto Insurance Underwriting/Rating Insurance Underwriting/Rating Variables Driver Demographics Driver History Type of Vehicle Vehicle History Auto Po olicy 1 Name: John Smith Age: 32 Gender: Male Marital
More informationDashboard. 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 informationEnrollment 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 informationCINCINNATI 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 informationHealth 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 informationWorkers 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 informationFILING 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 informationPEO Industry - Loss Experience
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 informationThe 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 informationMoving 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 informationSurety 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 informationIRA Distribution Form
Use this form to request distributions from your IRA account and to close an IRA. Instructions 1. Complete the form and include any necessary supporting documents. 2. Sign and send us the completed form.
More informationRATE 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 informationFixed 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 informationIn 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 informationWhat does Georgia gain. by investing in its
What does Georgia gain by investing in its colleges and universities 2 A tremendous return: More economic prosperity. Less government spending. A stronger competitive advantage. A higher quality of life.
More informationANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE
ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE by Paul Knappenberger SPPI ORIGINAL PAPER Updated April 2013 ANALYSIS
More informationPRODUCTS 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 information10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation 11:00 11:30. Scott Coleman. Channel Sales Manager
11:00 11:30 10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation Scott Coleman Channel Sales Manager Agenda Landscape of the Market Today 10 Reasons Why Vertex SMB is a
More informationCONTINGENT 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 informationNotices 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 informationAmbulance 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 informationTrends 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 informationANTHONY 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 informationKaiser 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 informationAn 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 information1. 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 informationStates Future Economic Standing
States Future Economic Standing if current education levels remain the same. Presentation by Joe Marks SREB Director of Data Services State Leaders Forum St. Petersburg, Florida November 17, 2004 1 The
More informationBreakeven Cost for Residential Photovoltaics in the United States: Key Drivers and Sensitivities (Report Summary)
Breakeven Cost for Residential Photovoltaics in the United States: Key Drivers and Sensitivities (Report Summary) Paul Denholm Robert M. Margolis Sean Ong Billy Roberts December 2009 NREL/PR-6A2-47248
More informationOverview of Workers Compensation Benefits
Overview of Workers Compensation Benefits Presented to the EAIC 3/30/2010 Ann Clayton Ann Clayton and Associates 1 Source: CompScope : Benchmarks 8 th Edition, The Databook, Workers Compensation Research
More information2016 Individual Exchange Premiums updated November 4, 2015
2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross
More informationThe 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 informationAthene 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 informationPreapproval 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 informationHospital Workers Compensation Benchmark Study
Hospital Workers Compensation Benchmark Study P R E S E N T E D B Y B E E C H E R C A R L S O N I N S U R A N C E S E R V I C E S Beecher Carlson is pleased to present this fourth edition of the Hospital
More informationBroadband 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 informationU.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 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 informationI N T E R N A T I O N A L E X E C U T I V E S E R V I C E S T A X
I N T E R N A T I O N A L E X E C U T I V E S E R V I C E S Taxation Without Representation: U.S. State Tax Considerations and the Globally Mobile Assignee T A X KPMG LLP ANY TAX ADVICE IN THIS COMMUNICATION
More informationState and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004
State and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004 by Dr. Donald Bruce, Research Assistant Professor dbruce@utk.edu and Dr. William F. Fox, Professor and Director billfox@utk.edu
More informationForethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1
Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS 1 Company History Forethought Financial Group, Inc., through its subsidiaries,
More informationARBITRATORS 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 informationOverview of Workers Compensation Benefits
Overview of Workers Compensation Benefits Presented to Montana State Fund Board 3/26/2010 Ann Clayton Ann Clayton and Associates 1 Source: CompScope : Benchmarks 8 th Edition, The Databook, Workers Compensation
More informationMEDCHI, 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 informationIdaho. State Advisory Forum 2014. December 4, 2014. Mike_Taylor@ncci.com 503-892-1858 Sean_Cooper@ncci.com 561-893-3072
Idaho State Advisory Forum 2014 December 4, 2014 Mike_Taylor@ncci.com 503-892-1858 Sean_Cooper@ncci.com 561-893-3072 Copyright 2014 National Council on Compensation Insurance, Inc. All Rights Reserved.
More informationAAIS Mobile-Homeowners 2008 Series
Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS
More informationAN 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 informationHEALTH INSURANCE PRICE INDEX REPORT FOR THE 2015
HEALTH INSURANCE PRICE INDEX REPORT FOR THE 2015 OPEN ENROLLMENT PERIOD March 2015 ehealth 3.2015 Table of Contents Introduction... 3 Executive Summary and Highlights... 4 Nationwide Health Insurance Costs
More informationFunding 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 informationRates 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 informationLIMITED LIABILITY COMPANY ORGANIZATION CHART
LIMITED LIABILITY COMPANY ORGANIZATION CHART The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited liability company in all 50 states
More informationAmerican 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 informationOregon Workers Compensation Premium Rate Ranking
Oregon Workers Compensation Premium Rate Ranking Calendar Year 2010 Information Management Division Oregon Department of Consumer & Business Services February 2011 Oregon Workers Compensation Premium
More informationDepartment 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 informationCDFI FUND NEW MARKETS TAX CREDIT PROGRAM:
CDFI FUND US Department of the Treasury NEW MARKETS TAX CREDIT PROGRAM: SECOND ROUND (2003-2004) Allocatees Serving Allocatee Name (Award Amount) AK 1 Alaska Growth Capital BIDCO, Inc. ($35 million) Total:
More informationAetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood,
Aetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood, Tennessee (CLI) Aetna Inc. For Agent Use Only. Not to be shared
More informationThe 80/20 Rule: How Insurers Spend Your Health Insurance Premiums
SUMMARY The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums The Affordable Care Act holds health insurers accountable to consumers and ensures that American families receive value for their
More information