WSR 10-21-086

PERMANENT RULES

DEPARTMENT OF

LABOR AND INDUSTRIES

[ Filed October 19, 2010, 3:45 p.m. , effective November 19, 2010 ]


Effective Date of Rule: Thirty-one days after filing.

Purpose: The 2007 legislature directed L&I to hire one or more outside experts to review and recommend changes to the retrospective rating (retro) program. This rule making implements recommendations from the independent actuarial firm, Oliver Wyman.

Updating retrospective rating plan tables and revising formulas will improve fairness in the distribution of refunds among the participants in the retro program, and will ensure both retro and nonretro pay for the same percentage of their losses after refunds are distributed. These formulas determine the cost of claims and the calculation of retro premium, which determine the amount of premium refunded or additional premium assessed to participants. These rules offer participants more choices in how they participate financially in the program. In addition, the complete chapter is being rewritten to better conform to the statute, chapter 51.18 RCW, and to improve the overall order and clarity.

Citation of Existing Rules Affected by this Order: Repealing WAC 296-17-90401 Introduction, 296-17-90402 Definitions, 296-17-90404 Employer options, 296-17-90405 Individual retro -- Enrollment, 296-17-90407 Reenrollment -- Individual retro, 296-17-90409 New group -- Requirements, 296-17-90410 New group -- Agreement finalized, 296-17-90411 Existing group, 296-17-90413 Individual employer group member requirements -- Initial enrollment, 296-17-90414 Individual employer group member requirements -- Reenrollment, 296-17-90421 Sponsoring organization -- Retro group business and industry selection, 296-17-90422 Retro group -- Classification assignments, 296-17-90425 Additional groups, 296-17-90428 Disqualification of a retro group, 296-17-90431 Change of ownership, 296-17-90437 Faxed, e-mail and machine-copied agreements and applications, 296-17-90438 Application, agreements and other required documentation -- Due dates, 296-17-90440 Cancellation of participation, 296-17-90445 Valuation of coverage period, 296-17-90446 Retrospective premium calculation, 296-17-90447 Adjustments to standard premiums after the last mandatory adjustment -- Individual employer, 296-17-90453 Disputes, protests and appeals, 296-17-90484 Direct pay of medical bills -- Prohibited, 296-17-90486 Impartial review of L&I decisions, 296-17-90490 Limitation of liability -- Indemnification, 296-17-90492 Table I, 296-17-90493 Table II, 296-17-90494 Table III, 296-17-90495 Table IV, 296-17-90496 Table V and 296-17-90497 Table VI; new WAC 296-17-901 Risk classification hazard group table, 296-17B-010 Introduction and overview, 296-17B-020 How to read these rules, 296-17B-030 The language we use in these rules, 296-17B-040 Which version of these rules applies to you?, 296-17B-100 Individual retrospective rating, 296-17B-200 Group retrospective rating -- Overview, 296-17B-210 Qualifications for sponsoring organizations, 296-17B-220 Qualifications for new groups, 296-17B-230 Qualifications for existing groups, 296-17B-240 Enrolling a group, 296-17B-250 Employer qualifications for group membership, 296-17B-260 Homogeneity, 296-17B-270 Industry categories, 296-17B-280 Enrolling an employer in a group, 296-17B-300 Choosing loss limits, 296-17B-400 Adjustments, 296-17B-410 Calculating your retrospective rating premiums, 296-17B-420 Premium administration expense charge, 296-17B-430 Incurred loss and expense charge, 296-17B-440 Net insurance charge, 296-17B-500 Determining your standard premiums, 296-17B-510 Assigning claims to coverage periods, 296-17B-520 Determining your losses, 296-17B-530 Determining case incurred losses, 296-17B-540 Determining loss incurred for each claim, 296-17B-550 Determining your incurred losses, 296-17B-560 Determining your hazard group and size group, 296-17B-600 Performance adjustment -- Overview, 296-17B-610 How we determine the performance adjustment factor, 296-17B-620 More about the performance adjustment factor, 296-17B-700 Protest and appeals, 296-17B-710 Account in good standing, 296-17B-720 Prohibited conduct, 296-17B-730 Probation, 296-17B-740 Refunds of standard premiums after final adjustment, 296-17B-750 Notification, 296-17B-760 Coverage periods, 296-17B-770 Common ownership, 296-17B-780 Due dates, 296-17B-810 Loss development factors, 296-17B-820 Discount factors, 296-17B-830 Expected loss ratio factors, 296-17B-840 Claim types, 296-17B-910 Hazard Group 1 Tables, 296-17B-920 Hazard Group 2 Tables, 296-17B-930 Hazard Group 3 Tables, 296-17B-940 Hazard Group 4 Tables, 296-17B-950 Hazard Group 5 Tables, 296-17B-960 Hazard Group 6 Tables, 296-17B-970 Hazard Group 7 Tables, 296-17B-980 Hazard Group 8 Tables, and 296-17B-990 Hazard Group 9 Tables.

Statutory Authority for Adoption: RCW 51.16.035, 51.16.100, 51.04.020(1), 51.18.010.

Adopted under notice filed as WSR 10-16-140 on August 4, 2010.

Changes Other than Editing from Proposed to Adopted Version: Changes were made after the initial proposal: Change the time for submission of group applications from sixty to thirty days prior to the start of a new plan year; remove the words "and hazard group" for purposes of determining the premium size group; correct a word in the hazard group example; revise the application of the expected loss ratio factor in the calculation of case incurred losses; added requirements for the department to evaluate the retrospective rating plan tables every five years; and to repeat the studies that underlie these rules by March 1, 2012.

Number of Sections Adopted in Order to Comply with Federal Statute: New 0, Amended 0, Repealed 0; Federal Rules or Standards: New 0, Amended 0, Repealed 0; or Recently Enacted State Statutes: New 0, Amended 0, Repealed 0.

Number of Sections Adopted at Request of a Nongovernmental Entity: New 0, Amended 0, Repealed 0.

Number of Sections Adopted on the Agency's Own Initiative: New 53, Amended 0, Repealed 31.

Number of Sections Adopted in Order to Clarify, Streamline, or Reform Agency Procedures: New 0, Amended 0, Repealed 0.

Number of Sections Adopted Using Negotiated Rule Making: New 0, Amended 0, Repealed 0; Pilot Rule Making: New 0, Amended 0, Repealed 0; or Other Alternative Rule Making: New 53, Amended 0, Repealed 31.

Date Adopted: October 19, 2010.

Judy Schurke

Director

OTS-3409.3


NEW SECTION

WAC 296-17-901   Risk classification hazard group table.   Effective November 19, 2010.


Risk Classification Hazard Group
101 9
103 8
104 8
105 5
107 9
108 8
112 7
201 9
202 9
210 8
212 9
214 8
217 7
219 7
301 4
302 9
303 9
306 8
307 7
308 3
403 6
502 8
504 9
507 8
508 9
509 9
510 7
511 7
512 9
513 6
514 7
516 8
517 9
518 9
519 9
521 7
540 8
541 9
550 9
551 9
601 7
602 7
603 9
604 7
606 4
607 6
608 7
701 9
803 5
901 8
1002 8
1003 7
1004 6
1005 8
1007 7
1101 5
1102 8
1103 8
1104 3
1105 7
1106 5
1108 5
1109 6
1301 2
1303 3
1304 5
1305 4
1401 9
1404 3
1405 1
1407 4
1501 5
1507 5
1701 7
1702 9
1703 9
1704 7
1801 9
1802 5
2002 6
2004 4
2007 6
2008 6
2009 3
2101 5
2102 3
2104 2
2105 2
2106 4
2201 6
2202 5
2203 2
2204 6
2401 1
2903 4
2904 6
2905 3
2906 4
2907 3
2908 7
2909 4
3101 6
3102 6
3103 6
3104 6
3105 5
3303 3
3304 3
3309 6
3402 6
3403 6
3404 5
3405 3
3406 1
3407 6
3408 1
3409 1
3410 2
3411 6
3412 8
3414 6
3415 9
3501 6
3503 3
3506 7
3509 1
3510 2
3511 6
3512 3
3513 8
3602 4
3603 4
3604 7
3605 5
3701 5
3702 3
3708 5
3802 3
3808 7
3901 1
3902 4
3903 6
3905 1
3906 4
3909 3
4002 7
4101 5
4103 2
4107 6
4108 3
4109 6
4201 6
4301 4
4302 4
4304 6
4305 5
4401 6
4402 2
4404 5
4501 1
4502 5
4504 1
4601 5
4802 7
4803 2
4804 2
4805 2
4806 5
4808 6
4809 3
4810 3
4811 3
4812 2
4813 3
4900 9
4901 6
4902 3
4903 1
4904 3
4905 2
4906 2
4907 4
4908 2
4909 3
4910 6
4911 6
5001 9
5002 3
5003 9
5004 8
5005 9
5006 9
5101 4
5103 3
5106 2
5108 3
5109 6
5201 4
5204 8
5206 6
5207 2
5208 4
5209 6
5300 2
5301 3
5302 5
5305 1
5306 1
5307 4
5308 1
6103 1
6104 2
6105 6
6107 1
6108 1
6109 4
6110 5
6120 5
6121 5
6201 7
6202 6
6203 1
6204 2
6205 4
6206 3
6207 6
6208 2
6209 3
6301 8
6303 5
6304 1
6305 1
6306 4
6308 2
6309 3
6402 1
6403 1
6404 3
6405 5
6406 1
6407 3
6408 4
6409 6
6410 3
6501 1
6502 4
6503 5
6504 1
6505 1
6506 2
6509 2
6510 8
6511 3
6512 6
6601 4
6602 5
6603 4
6604 1
6605 1
6607 4
6608 9
6620 1
6704 2
6705 2
6706 6
6707 1
6708 8
6709 2
6801 3
6802 2
6803 9
6804 3
6809 2
6901 1
6902 9
6903 9
6904 1
6905 1
6906 1
6907 4
6908 4
6909 2
7100 7
7101 8
7102 3
7103 4
7104 3
7105 3
7106 3
7107 2
7108 4
7109 4
7110 5
7111 4
7112 4
7113 3
7114 3
7115 3
7116 8
7117 3
7118 7
7119 6
7120 9
7121 9
7122 5
7200 3
7201 5
7202 6
7203 1
7301 6
7302 7
7307 5
7308 1
7309 2
7400 6
The following classes have no hazard group assigned to them
6614
6615
6616
6617
6618
7204
7205

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OTS-3464.1


REPEALER

     The following sections of the Washington Administrative Code are repealed:
WAC 296-17-90401 Introduction.
WAC 296-17-90402 Definitions.
WAC 296-17-90404 Employer options.
WAC 296-17-90405 Individual retro -- Enrollment.
WAC 296-17-90407 Reenrollment -- Individual retro.
WAC 296-17-90409 New group -- Requirements.
WAC 296-17-90410 New group -- Agreement finalized.
WAC 296-17-90411 Existing group.
WAC 296-17-90413 Individual employer group member requirements -- Initial enrollment.
WAC 296-17-90414 Individual employer group member requirements -- Reenrollment.
WAC 296-17-90421 Sponsoring organization -- Retro group business and industry selection.
WAC 296-17-90422 Retro group -- Classification assignments.
WAC 296-17-90425 Additional groups.
WAC 296-17-90428 Disqualification of a retro group.
WAC 296-17-90431 Change of ownership.
WAC 296-17-90437 Faxed, e-mail and machine-copied agreements and applications.
WAC 296-17-90438 Application, agreements and other required documentation -- Due dates.
WAC 296-17-90440 Cancellation of participation.
WAC 296-17-90445 Valuation of coverage period.
WAC 296-17-90446 Retrospective premium calculation.
WAC 296-17-90447 Adjustments to standard premiums after the last mandatory adjustment -- Individual employer.
WAC 296-17-90453 Disputes, protests and appeals.
WAC 296-17-90484 Direct pay of medical bills -- Prohibited.
WAC 296-17-90486 Impartial review of L&I decisions.
WAC 296-17-90490 Limitation of liability -- Indemnification.
WAC 296-17-90492 Table I.
WAC 296-17-90493 Table II.
WAC 296-17-90494 Table III.
WAC 296-17-90495 Table IV.
WAC 296-17-90496 Table V.
WAC 296-17-90497 Table VI.

OTS-3465.8

Chapter 296-17B WAC

RETROSPECTIVE RATING FOR WORKERS' COMPENSATION INSURANCE


NEW SECTION
WAC 296-17B-010   Introduction and overview.   Retrospective rating (retro) is a voluntary financial incentive program offered by the department of labor and industries to encourage improvements in workplace safety.

Chapter 296-17 WAC defines the standard method for determining the price of workers' compensation insurance for employers insured with the state fund. All employers insured with the state fund must pay the accident fund, medical aid fund, and supplemental pension fund premiums established in that chapter.

Employers who participate in retrospective rating bind themselves to the rules of the retrospective rating program found in this chapter. Under these sections, a participant's ultimate cost of workers' compensation insurance will be different than under chapter 296-17 WAC.

Employers participate in retrospective rating because it creates an opportunity to earn refunds of premiums they are required to pay under chapter 296-17 WAC. However, participation involves risk: Participants not successful in controlling losses can be assessed additional premiums.

Employers control losses by preventing workplace illnesses and injuries, and helping injured workers return to work.

Employers that participate in retro can enroll either individually or as members of a sponsored group. Enrollment is for a one-year coverage period, but it is possible for employers to join a sponsored group after the group's one-year coverage period has begun, at the beginning of a calendar quarter.

After a coverage period is over, the department evaluates premiums and claims losses and determines retro premiums according to these rules. If a retro group's or an individually enrolled employer's retro premiums are less than the standard premiums paid initially, that firm or group will receive a refund. If the retro premiums are more than the standard premiums initially paid, the firm or group will be assessed the additional amount. Calculation of retrospective premiums is defined further in this chapter. The department goes through this annual adjustment process three times for each coverage period.

The department will repeat the studies that resulted in the hazard group assignments and changes to retrospective plan tables that are shown in WAC 296-17-901, 296-17B-300, 296-17B-560, 296-17B-830, and 296-17B-910 through 296-17B-990. The repeated studies will determine whether the results are consistent with the expectation of improved fairness in the distribution of the retrospective rating refunds among participants. These repeated studies will be done by March 1, 2012.

The department will evaluate and if necessary update the tables beginning at WAC 296-17B-910 every five years.

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NEW SECTION
WAC 296-17B-020   How to read these rules.   We have written these rules so that employers and group sponsors can understand how the retrospective rating program works, both generally and in detail. These rules are meant to be read together. Often, we will make simple statements in one section, followed in another section by more detailed explanations. We hope that the simple statements are helpful, but if there appears to be a conflict between the simple statements and the detailed explanations that follow, it is the detailed explanation that tells you what we do and how we do it.

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NEW SECTION
WAC 296-17B-030   The language we use in these rules.   In these rules, when we say "we," we mean the retrospective rating program at the department of labor and industries. When we say "you," we mean either an individually enrolled employer or a sponsored group.

Except when the context specifically indicates, "you" does not mean an individual employer enrolled in a sponsored group.

We have tried to write these rules using plain language. When we use a word or phrase that means other than what it might ordinarily mean, an explanation of the word or phrase can be found in these rules.

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NEW SECTION
WAC 296-17B-040   Which version of these rules applies to you?   If you participate in retrospective rating, either as an enrolled employer or a group sponsor, the rules in effect on the first day of a coverage period are the rules that will apply to you for that coverage period, even if some of these rules are changed later.

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NEW SECTION
WAC 296-17B-100   Individual retrospective rating.   (1) We will enroll a qualified employer who applies for enrollment for individual retrospective rating. To qualify, an employer must:

(a) Have an industrial insurance account in good standing;

(b) Have paid standard premiums at least equivalent to the minimum premium listed in size group 1, Table 1, WAC 296-17B-900, in the four calendar quarters prior to applying for enrollment; and

(c) Apply for enrollment no later than the fifteenth day of the month before the calendar quarter in which the coverage period begins. The application must indicate the employer's choices regarding loss limits and whether its net insurance charges will be calculated using standard premiums or incurred losses as explained in these rules. The application must be signed by an owner, partner, corporate officer or managing member of the employer's business.

(2) To reenroll, a currently enrolled employer must submit a new enrollment application no later than the fifteenth day of the month before the calendar quarter in which the new coverage period will begin.

(3) Employers enrolled individually are responsible for retrospective rating premiums for the coverage period enrolled.

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NEW SECTION
WAC 296-17B-200   Group retrospective rating -- Overview.   In group retrospective rating, participating employers become members of an enrolled group sponsored by an approved organization. Employers continue to pay premiums directly to the department as determined by chapter 296-17 WAC. We calculate the group's retrospective rating premiums as though the standard premiums paid by members of the group were paid by the sponsor, and claims assigned to employer members were assigned to the group sponsor. Group sponsors are responsible for the retrospective rating premiums for the coverage period enrolled. If an adjustment results in us refunding premiums, the refund is the property of the group sponsor. If an adjustment results in us assessing additional premiums, the additional premiums are the responsibility of the group sponsor. With limited exceptions explained in these rules, the department is not involved in the private contractual relationship between group sponsor and group member.

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NEW SECTION
WAC 296-17B-210   Qualifications for sponsoring organizations.   We will approve an organization that applies for group sponsorship if the organization:

(1) Has been in existence for at least four years;

(2) Is an organization with dues paying members; and

(3) Exists primarily for some purpose other than that of obtaining or offering insurance coverage or insurance related services.

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NEW SECTION
WAC 296-17B-220   Qualifications for new groups.   We will enroll a new retrospective rating group only if:

(1) We approve the organization sponsoring the group;

(2) The members of the group qualify for group membership;

(3) The sponsor demonstrates an acceptable workplace safety and accident prevention plan for the group;

(4) The sponsor demonstrates an acceptable plan for cooperating with the department's claims management activities;

(5) At least half of the proposed members have been dues paying members of the sponsoring organization for at least one year;

(6) The standard premiums for the group members for the four quarters prior to enrollment total at least one million five hundred thousand dollars; and

(7) Enrolling the group will substantially improve workplace safety and accident prevention for its members.

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NEW SECTION
WAC 296-17B-230   Qualifications for existing groups.   The department will reenroll an existing group if the sponsor asks for it to be reenrolled, and the group still meets the requirements of WAC 296-17B-220 (1) through (4) and (7). Existing groups must submit application for group enrollment, noting their plan selection, maximum and minimum loss ratios and single loss limit for each plan year. The application must be received by the department at least one month prior to the start of the new plan year.

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NEW SECTION
WAC 296-17B-240   Enrolling a group.   An organization seeking to sponsor a group must notify us in writing of its intention to sponsor a group, select the industry category, and indicate its loss limit choices for the group no later than two months before the beginning of the coverage period. Organizations that have not previously been approved must at that time establish that the organization qualifies for group sponsorship. Evidence of qualification may include bylaws or articles of incorporation filed with the secretary of state.

We will not enroll a new group if the sponsoring organization also sponsors another group in a different industry category that has not yet received its final adjustment for its second coverage period.

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NEW SECTION
WAC 296-17B-250   Employer qualifications for group membership.   An employer qualifies for membership in a group if the employer:

(1) Has an industrial insurance account in good standing;

(2) Is a dues paying member of the organization sponsoring the group;

(3) Is not enrolled in retrospective rating either as a member of a group or individually for the coverage period; and

(4) The employer satisfies the homogeneity requirement of WAC 296-17B-260.

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NEW SECTION
WAC 296-17B-260   Homogeneity.   An employer may enroll in a group only if:

(1) We determine that the risk classes appropriately assigned to the employer are related to the industry category selected by the sponsoring organization for the group;

(2) The employer shares common ownership with an employer enrolled in the group that satisfies the requirements of subsection (1) of this section; or

(3) The employer has been a member of the group since prior to July 25, 1999.

In evaluating whether an employer's risk classes are related to the industry category, we will consider only those risk classes that define the nature of the employer's business operations insured with the state fund.

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NEW SECTION
WAC 296-17B-270   Industry categories.   The following is the list of industry categories from which a sponsor must select for a group:

(1) Agriculture and related services, including services related to the care and breeding of animals, and all agricultural related activities including growing, harvesting, packing, and processing for shipment.

(2) Automotive, truck and boat, manufacturing, sales, repair and related services.

(3) Construction and related services.

(4) Distillation, chemicals, food and related services.

(5) Entertainment, hospitality and related services.

(6) Facilities, property management, maintenance and related services.

(7) Government, utilities, schools, health care and related services.

(8) Grocery stores, grocery distribution centers, bakeries, milk and dairy products processing, delivery to customers and related services.

(9) Health care, pharmaceutical, laboratories and related services.

(10) Logging and wood products manufacturing and related services.

(11) Manufacturing, processing, mining, quarrying, and related services.

(12) Retail and wholesale stores and professional services such as banks and law firms and related services.

(13) Temporary help and related services.

(14) Transportation, recycle, warehousing, facility maintenance and related services.

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NEW SECTION
WAC 296-17B-280   Enrolling an employer in a group.   We will enroll a qualified employer in an enrolled group if the employer applies for enrollment and the sponsoring organization endorses the application. The application must be signed by an owner, corporate officer, partner or managing member of the employer's business, and may not be assigned or transferred to anyone else.

By endorsing an application, the sponsor is certifying that the employer is a dues paying member of the sponsoring organization. We must receive the endorsed application no later than the fifteenth day of the month before the calendar quarter the employer wishes to be enrolled for.

New applications do not need to be submitted by each member annually. As long as the employer maintains their account in good standing, we will automatically reenroll all participants in the group on an annual basis unless notified in writing by the employer or the group that the employer should be removed. This notification must be received by the last day of the prior coverage period.

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NEW SECTION
WAC 296-17B-300   Choosing loss limits.   The loss limits you select will also affect your net insurance charge.

(1) Single loss occurrence limit: Your losses incurred for each claim occurrence will be limited by the amount of protection chosen, as described in WAC 296-17B-440. You must choose one of the following single loss occurrence limits:

$120,000;

$250,000;

$500,000;

$1,000,000;

Unlimited.

(2) Aggregate loss limits: The product of the sum of your losses incurred and the performance adjustment factor will be limited by the maximum and minimum loss ratios you select. You will choose both a maximum and minimum loss ratio limit from the options available in the tables. You can also choose loss limits between the options listed in the tables.

(3) Restrictions on choice of limits:

(a) If you wish to select a single loss occurrence limit other than unlimited, the four most recent quarters of standard premiums must be at least twice the limit chosen. For example, you can only choose a single loss occurrence limit of two hundred fifty thousand dollars if your standard premiums in the four most recent calendar quarters were at least five hundred thousand dollars.

(b) Your minimum loss ratio limit must be at least ten percentage points lower than your maximum loss ratio limit.

(c) The three limits must be chosen so that the highest possible retrospective premiums cannot be more than twice the standard premiums, assuming a performance adjustment factor of 1.0 and the same size and hazard groups as your most recent coverage period.

(d) You can choose any maximum loss ratio between thirty percent and one hundred sixty percent. Also you can choose any minimum loss ratio between zero percent and sixty percent. Your choice needs to be rounded to two decimal places. For example, you could choose a maximum loss ratio of ninety-eight and seventy-six one-hundredths percent.

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NEW SECTION
WAC 296-17B-400   Adjustments.   (1) We will calculate your retrospective rating premiums three times for a coverage period.

(2) We will pick a date approximately nine months after the coverage period ends, determine your standard premiums and losses as of that date, and then calculate your retrospective rating premiums. If the standard premiums you have paid are higher than your retrospective rating premiums, we will refund you the difference. If the standard premiums you have paid are lower than your retrospective rating premiums, we will send you a notice and order of assessment directing you to pay us the difference.

(3) We will repeat this process of determining standard premiums and losses and calculating retro premiums approximately twenty-one and thirty-three months after the coverage period ended, netting the retro premiums against the retro premiums paid previously.

(4) For participants having multiple coverage periods being adjusted at the same time, we will add the adjustments together and either pay you the net amount due you or send you a notice and order of assessment directing you to pay the net difference.

(5) If we send you a notice of assessment you will have thirty days to pay us. We will charge you late penalties and interest pursuant to RCW 51.48.210 on retrospective rating premium assessments you do not pay within thirty days.

If you are enrolled individually and owe any section of the department money, we may withhold from your refund an amount equal to the debt.

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NEW SECTION
WAC 296-17B-410   Calculating your retrospective rating premiums.   Your retrospective rating premiums will be evaluated at the time of each annual retrospective adjustment, and will be the sum of three charges:

Premium administration expense charge;

Incurred loss and expense charge;

Net insurance charge.

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NEW SECTION
WAC 296-17B-420   Premium administration expense charge.   You will pay a premium administration expense charge for your share of the expenses of the industrial insurance program that are not directly related to claims administration. To determine your premium administration expense charge, our actuaries will multiply your standard premiums by the premium administration expense factor, which is four and eight-tenths percent. This charge is not performance adjusted.

The premium administration expense factor was determined using premium and expense data from fiscal years 2007 through 2009.

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NEW SECTION
WAC 296-17B-430   Incurred loss and expense charge.   You will pay for the cost of your claims and their administration for those injuries and illnesses occurring during your retrospective rating enrollment period. You can protect yourself from high claims costs at the claim level with the single loss occurrence limit you select. You can protect yourself from high claims costs at the aggregate claims level with the maximum loss ratio you select.

Our actuaries will determine your incurred loss and expense charge by multiplying your losses incurred by the performance adjustment factor and one hundred seven percent, which is one plus the claims administration expense factor, currently seven percent.

Data from fiscal years 2000 through 2009 was used to determine the claims administration expense factor.

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NEW SECTION
WAC 296-17B-440   Net insurance charge.   You will pay a net insurance charge for the protection provided by your single loss occurrence limit and your maximum loss ratio.

Your net insurance charge can be calculated as a percentage of either your standard premiums or your incurred loss and expense charge.

(1) If you choose to have your net insurance charge calculated using your standard premiums, your net insurance charge will be calculated using the following formula:


(Premium insurance charge factor - Premium insurance savings factor) x (Standard premiums) x (Performance adjustment factor)
Your premium insurance charge factor and premium insurance savings factor will depend on your maximum and minimum loss ratio choice, size group and hazard group, and can be found in WAC 296-17B-910 through 296-17B-990. If you choose a maximum and/or minimum loss ratio between the options found in one of the tables, the department will interpolate to obtain the charge and/or savings factors from the factors found in the tables.

(2) If you choose to have your net insurance charge calculated using your losses incurred, your net insurance charge will be calculated using the following formula:


(Loss insurance charge factor - Loss insurance savings factor) / [1.0 - (Loss insurance charge factor - Loss insurance savings factor)] x Incurred loss and expense charge
Your loss insurance charge factor and loss insurance savings factor will depend on your maximum and minimum loss ratio choice, size group and hazard group, and can be found in WAC 296-17B-910 through 296-17B-990. If you choose a maximum and/or minimum loss ratio between the options found in one of the tables, the department will interpolate to obtain the charge and/or savings factors from the factors found in the tables.

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Reviser's note: The brackets and enclosed material in the text of the above section occurred in the copy filed by the agency and appear in the Register pursuant to the requirements of RCW 34.08.040.
NEW SECTION
WAC 296-17B-500   Determining your standard premiums.   Employers are required to pay accident fund, medical aid, and supplemental pension fund premiums according to chapter 296-17 WAC. Partial payments of premiums are applied first to the liability to the supplemental pension fund, then to the medical aid fund, and finally then to the accident fund. Standard premiums are the premiums an employer pays to the accident and medical aid funds under chapter 296-17 WAC for employment during the coverage period.

For an employer enrolled in a group after the start of a group's coverage period, we will only consider the employer's premiums for the calendar quarters for which the employer was enrolled.

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NEW SECTION
WAC 296-17B-510   Assigning claims to coverage periods.   We will include your industrial injury claims with a date of injury that falls within the coverage period.

We will include occupational disease claims with a date of last injurious exposure with you (prior to the filing of the claim) that falls within the coverage period.

For an employer enrolled in a group after the start of a group's coverage period, we will only consider the employer's claims related to the calendar quarters for which the employer was enrolled.

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NEW SECTION
WAC 296-17B-520   Determining your losses.   We determine your losses at the time of an adjustment.

To determine your losses, we first determine the case incurred losses for your claims. To these, we apply loss development, discount and expected loss ratio factors and your single loss occurrence limit to determine your losses incurred for each claim, as explained in these rules. The sum of your losses incurred will be your loss incurred, unless your maximum or minimum loss ratios apply.

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NEW SECTION
WAC 296-17B-530   Determining case incurred losses.   If a claim is closed, we will use the actual losses for the claim as defined in WAC 296-17-870(1). If the claim is open, we will use either the case reserve amounts or the actual losses, whichever are higher.

Where not in conflict with these rules, we will use the rules for valuing claims for experience rating found in WAC 296-17-870 (1), (5) through (7), and (10) through (12).

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NEW SECTION
WAC 296-17B-540   Determining loss incurred for each claim.   (1) Calculating the initial loss incurred:

For each of your claims, we will multiply the case incurred loss by the appropriate loss development, and discount factors to determine the initial loss incurred.

If you have a fatality, we will use two hundred eighty thousand four hundred dollars as the claim's initial incurred loss for the claim, regardless of the case incurred loss, and before recovery factors if applicable.

(2) Applying the single loss occurrence limit:

The initial loss incurred for a claim will be the amount we use as the loss incurred unless the single loss occurrence limit applies.

The single loss occurrence limit applies when the sum of all initial losses incurred for your claims arising out of a single event is greater than your selected single loss occurrence limit. In that case, each claim's initial loss incurred will be its proportionate share of your single loss occurrence limit.

(3) Applying the expected loss ratio factors:

The preliminary loss incurred for a claim will be the amount of the initial loss incurred, after application of the single loss limit, multiplied by the appropriate expected loss ratio factor. The accident fund and medical aid fund portions of each claim will have separate expected loss ratio factors applied.

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NEW SECTION
WAC 296-17B-550   Determining your incurred losses.   If the sum of the losses incurred for your claims divided by your standard premiums and multiplied by the performance adjustment factor is greater than the maximum loss ratio you selected, your incurred losses will be reduced accordingly. If it is less than the minimum loss ratio you selected, your incurred losses will be increased accordingly.

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NEW SECTION
WAC 296-17B-560   Determining your hazard group and size group.   (1) Each risk classification is assigned to a hazard group, as shown in WAC 296-17-901. To determine your hazard group, we will first multiply your standard premiums in each risk class by the hazard group index for that risk class. This is called the adjusted standard premium. Hazard group indices are shown in subsection (3) of this section. We will then divide the total adjusted standard premiums by your total standard premiums, rounded to three decimal places to determine your average hazard index. We will assign you to a hazard group based on your average hazard index using the table in subsection (4) of this section.

(2) We will determine your size group based on your standard premiums using the table in WAC 296-17B-900.

(3) Hazard group index table.


Hazard Group Number Hazard Index Number
1 0.22
2 0.26
3 0.37
4 0.51
5 0.75
6 1.00
7 1.22
8 1.76
9 2.78

(4) Average hazard index table.


Hazard Group Number Average Hazard Index Value is at Least: But Less Than or Equal to:
1 0.000 0.239
2 0.240 0.314
3 0.315 0.439
4 0.440 0.629
5 0.630 0.874
6 0.875 1.109
7 1.110 1.489
8 1.490 2.269
9 2.270 2.780

Example:

For your retrospective enrollment year, your group has exposure in risk classifications with Hazard Groups 4 and 6 and corresponding standard premiums of $1,000,000 and $2,000,000 during the enrollment year.


Risk Classification Hazard Group Standard Premium Hazard Index Number Adjusted Standard Premium
4 $1,000,000 0.510 $510,000
6 $2,000,000 1.000 $2,000,000
Total $3,000,000 $2,510,000

The Average Hazard Index value for your group is the total adjusted standard premiums divided by the total standard premiums or $2,510,000/$3,000,000 = 0.837 to three decimal places. This value 0.837 is in the range between 0.630 and 0.874.

Therefore, your group will be assigned Hazard Group Number 5 during this annual adjustment.

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NEW SECTION
WAC 296-17B-600   Performance adjustment -- Overview.   The department uses performance adjustment to ensure equity between employers that participate in retrospective rating and employers that do not. The goal of performance adjustment is to make sure that overall, after adjustments, retro participants pay the same share of their losses as employers that do not participate in retro.

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NEW SECTION
WAC 296-17B-610   How we determine the performance adjustment factor.   Our actuaries compare standard premiums and losses of employers in retro with those of employers not in retro to determine a target refund amount that would result in the groups of retro and nonretro employers funding the same percentage of their claim costs. In doing this, the actuaries pool the experience of the coverage period being adjusted with the experience from the coverage periods beginning the three previous quarters, and take into account possible future changes in losses based on historical data. The actuaries then add interest to the target amount to take into consideration the time value of money.

A performance adjustment factor (rounded to four decimal places) is then selected, so that when we calculate adjustments, the sum of all adjustments will most nearly equal the target refund amount.

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NEW SECTION
WAC 296-17B-620   More about the performance adjustment factor.   There is no particular significance to the performance adjustment factor being less than, greater than, or equal to 1.0000. The performance adjustment factor is influenced by many things, including overall premium rates, large losses by either retro or nonretro employers, and what options retro participants select when enrolling.

A new performance adjustment factor is calculated for each annual retrospective rating annual adjustment so that loss ratios of retro and nonretro employers are equal after refunds and additional premium assessments have been paid.

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NEW SECTION
WAC 296-17B-700   Protest and appeals.   If at the time of an adjustment you are disputing a decision affecting a claim's losses and you want us to recalculate your adjustment after that dispute has been resolved, you must protest the adjustment and identify the claim and dispute pending. We will issue a further order indicating that the adjustment may be revised after the dispute regarding the claim is resolved. After the dispute has been resolved, if you still want us to recalculate the adjustment, you must notify us, and we will recalculate your adjustment as though the dispute had been resolved at the time of the adjustment. We will not pay interest on any amount refunded.

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NEW SECTION
WAC 296-17B-710   Account in good standing.   To participate in retrospective rating, you as an employer or group sponsor need to have an account in good standing. This means that you need to have an open industrial insurance account with our industrial insurance program, have filed all required reports, and have paid all industrial insurance premiums, penalties and interest (or be current with a repayment plan the department agreed to), and not owe a debt to any other section of the department.

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NEW SECTION
WAC 296-17B-720   Prohibited conduct.   (1) Employers and group sponsors must not engage in claims suppression as defined in RCW 51.28.010(4).

(2) Employers and group sponsors must not pay medical service providers for medical services related to an industrial injury or occupational disease.

(3) Unless disclosed to the member at the time of enrollment, group sponsors must not require members to pay dues, fees, or continue membership in the retrospective rating program beyond the last date of the coverage year in order to receive their share of refunds, if any.

If we determine that you have violated any of these provisions, we will remove you from retrospective rating effective the date we notify you, and permanently bar you from further participation in the retrospective rating program. You will remain liable for any additional premium assessments related to your participation prior to your removal, but you will forfeit any right to refunds for adjustments calculated after your removal.

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NEW SECTION
WAC 296-17B-730   Probation.   If you as a sponsored group receive a net assessment for two consecutive coverage periods, you will be placed on probationary status. We will review your workplace safety and accident prevention plan and your methods of cooperation with the department's claims management activities, and contact you to discuss ways of improving your performance. If you receive a net assessment in the following coverage period, you will be denied future enrollment, and your sponsoring organization will not be allowed to sponsor another group in the same industry category for the five years following the third coverage period with a net assessment.

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NEW SECTION
WAC 296-17B-740   Refunds of standard premiums after final adjustment.   If, after the final adjustment for a coverage period, it is determined that an employer enrolled in retrospective rating is entitled to a refund of standard premiums for any reason other than the recalculation of experience provided for in WAC 296-17-870(3), we will adjust the amount of standard premiums to be refunded such that the net impact on the state fund is the same as if refund had taken place before the final adjustment.

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NEW SECTION
WAC 296-17B-750   Notification.   We will notify you if we need more information to make a decision about your application. We will also notify you of our decision to enroll or deny enrollment.

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NEW SECTION
WAC 296-17B-760   Coverage periods.   Individual employers and sponsored groups enroll for one-year coverage periods. Coverage periods begin on the first day of a calendar quarter. Employers may join a sponsored group after its coverage period has begun, beginning on the first day of the next calendar quarter and continuing for the remainder of the coverage period.

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NEW SECTION
WAC 296-17B-770   Common ownership.   An employer that shares common ownership with one or more other employers cannot enroll in retrospective rating unless all employers sharing common ownership that are within the same industry category also enroll. Employers sharing common ownership can enroll individually or as members of a sponsored group. Employers sharing common ownership that are enrolled individually can choose to be rated separately or together.

Employers share common ownership when:

(1) One or more owners, directly or indirectly, own a majority interest in both employers; or

(2) One employer, directly or indirectly, owns a majority interest in another employer.

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NEW SECTION
WAC 296-17B-780   Due dates.   When you are required to submit a document (application, report, etc.) it must be received in the Tumwater labor and industries office by 5:00 p.m. on the date due. Documents may be mailed, faxed, or hand delivered. If the due date falls on a Saturday, Sunday, or holiday, it is due the next state business day.

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NEW SECTION
WAC 296-17B-810   Loss development factors.   At the time of adjustment, our actuaries determine loss development factors by claim type. Loss development factors account for the fact that claims ultimately cost the state fund more than they have cost the state fund to date, and more than they are estimated to cost the state fund at any particular point in time.

Separate factors will be calculated by fund and also by enrollment period at the time of each annual retrospective rating adjustment.

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NEW SECTION
WAC 296-17B-820   Discount factors.   At the time of adjustment, we determine discount factors by claim type. Discount factors account for the fact that benefits are not paid all at once, but rather are paid over a period of time. Discount factors vary for different types of claims based on when benefits tend to be paid.

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NEW SECTION
WAC 296-17B-830   Expected loss ratio factors.   The expected loss ratio factor is a factor applied to case incurred loss amounts of claims and loss development factor and discount factor so that the ratio of discounted developed loss to standard premiums for the entire state fund used in the actuarial calculations equals the expected loss ratios. By doing this, loss ratios will not be expected to change simply because the department changed the rates for one fund significantly more than the rates for another fund. The expected loss ratios are:


Accident Fund 81.2%
Medical Aid Fund 88.0%

Separate factors will be calculated by fund and also by enrollment period at the time of each annual retrospective rating adjustment.

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NEW SECTION
WAC 296-17B-840   Claim types.   The following claim types are considered when calculating the loss development factors and discount factors:

(1) Fatality;

(2) Total permanent disability pension claim;

(3) Permanent partial disability claim;

(4) Time-loss claim;

(5) Miscellaneous accident fund claim;

(6) Medical only claim.

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OTS-3410.2


NEW SECTION
WAC 296-17B-910   Hazard Group 1 tables.  

Premium-Based Plan, with no Single Loss Limit


Insurance Charge Table

Hazard Group 1

Effective November 19, 2010



Maximum Loss Ratio
Size 30% 40% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% 160%
1 .8457 .8239 .8050 .7881 .7727 .7586 .7455 .7332 .7217 .7107 .7003 .6903 .6808 .6716
2 .8398 .8169 .7970 .7792 .7631 .7482 .7344 .7214 .7092 .6977 .6867 .6762 .6661 .6565
3 .8342 .8101 .7892 .7705 .7536 .7380 .7234 .7098 .6970 .6849 .6733 .6623 .6518 .6416
4 .8286 .8035 .7815 .7619 .7441 .7278 .7125 .6983 .6848 .6721 .6600 .6484 .6374 .6267
5 .8232 .7969 .7740 .7535 .7349 .7177 .7018 .6869 .6728 .6595 .6468 .6347 .6231 .6120
6 .8179 .7905 .7665 .7451 .7257 .7078 .6911 .6755 .6609 .6469 .6337 .6211 .6090 .5975
7 .8127 .7842 .7592 .7369 .7167 .6980 .6806 .6644 .6490 .6346 .6208 .6076 .5951 .5831
8 .8077 .7780 .7520 .7288 .7077 .6883 .6702 .6533 .6373 .6223 .6080 .5943 .5813 .5688
9 .8028 .7719 .7450 .7208 .6989 .6787 .6599 .6423 .6257 .6101 .5953 .5811 .5676 .5547
10 .7979 .7659 .7380 .7129 .6901 .6691 .6496 .6314 .6142 .5980 .5827 .5680 .5541 .5407
11 .7932 .7600 .7310 .7051 .6815 .6597 .6395 .6206 .6028 .5861 .5702 .5551 .5407 .5269
12 .7885 .7542 .7242 .6973 .6729 .6503 .6294 .6099 .5915 .5742 .5578 .5422 .5274 .5133
13 .7839 .7485 .7174 .6896 .6643 .6410 .6194 .5992 .5803 .5624 .5455 .5295 .5143 .4997
14 .7794 .7428 .7107 .6820 .6558 .6318 .6094 .5886 .5691 .5507 .5333 .5169 .5012 .4863
15 .7750 .7372 .7041 .6744 .6474 .6226 .5995 .5781 .5580 .5391 .5212 .5043 .4883 .4731
16 .7706 .7317 .6975 .6669 .6390 .6134 .5897 .5676 .5470 .5276 .5093 .4920 .4756 .4600
17 .7663 .7262 .6910 .6594 .6307 .6043 .5799 .5573 .5360 .5161 .4974 .4797 .4629 .4471
18 .7620 .7207 .6845 .6519 .6224 .5953 .5702 .5469 .5252 .5048 .4856 .4675 .4504 .4343
19 .7578 .7153 .6780 .6445 .6142 .5863 .5605 .5366 .5144 .4935 .4739 .4554 .4380 .4216
20 .7537 .7100 .6716 .6372 .6060 .5773 .5509 .5264 .5036 .4823 .4623 .4435 .4258 .4091
21 .7496 .7047 .6652 .6299 .5978 .5684 .5413 .5163 .4929 .4712 .4508 .4317 .4136 .3967
22 .7455 .6994 .6589 .6226 .5896 .5595 .5318 .5062 .4823 .4601 .4394 .4199 .4016 .3844
23 .7415 .6942 .6526 .6153 .5815 .5507 .5223 .4961 .4718 .4492 .4280 .4083 .3897 .3723
24 .7376 .6891 .6463 .6081 .5735 .5419 .5129 .4861 .4613 .4383 .4168 .3967 .3779 .3603
25 .7337 .6839 .6401 .6009 .5654 .5331 .5035 .4762 .4509 .4274 .4056 .3853 .3662 .3484
26 .7298 .6788 .6339 .5937 .5574 .5244 .4941 .4662 .4405 .4167 .3945 .3739 .3546 .3366
27 .7260 .6738 .6277 .5866 .5494 .5157 .4848 .4564 .4302 .4060 .3836 .3627 .3432 .3250
28 .7222 .6687 .6216 .5795 .5415 .5070 .4755 .4466 .4200 .3954 .3726 .3515 .3318 .3134
29 .7185 .6638 .6155 .5724 .5336 .4984 .4662 .4368 .4098 .3848 .3618 .3404 .3205 .3019
30 .7149 .6588 .6095 .5654 .5257 .4897 .4570 .4271 .3996 .3743 .3510 .3293 .3093 .2905
31 .7112 .6540 .6034 .5584 .5179 .4812 .4479 .4174 .3896 .3639 .3403 .3184 .2981 .2793
32 .7077 .6491 .5975 .5514 .5100 .4727 .4387 .4078 .3795 .3535 .3296 .3075 .2871 .2680
33 .7042 .6443 .5915 .5445 .5023 .4642 .4297 .3982 .3695 .3432 .3190 .2967 .2761 .2569
34 .7007 .6396 .5856 .5376 .4945 .4557 .4206 .3887 .3595 .3329 .3084 .2859 .2651 .2458
35 .6973 .6349 .5797 .5307 .4868 .4472 .4115 .3791 .3496 .3226 .2979 .2752 .2542 .2349
36 .6940 .6302 .5739 .5238 .4790 .4388 .4025 .3696 .3396 .3123 .2873 .2644 .2433 .2240
37 .6907 .6256 .5681 .5170 .4714 .4304 .3935 .3601 .3297 .3021 .2769 .2538 .2326 .2132
38 .6874 .6210 .5624 .5102 .4637 .4220 .3845 .3506 .3198 .2919 .2664 .2432 .2220 .2026
39 .6843 .6165 .5567 .5035 .4561 .4137 .3755 .3411 .3100 .2817 .2561 .2327 .2115 .1922
40 .6812 .6121 .5511 .4969 .4486 .4054 .3666 .3317 .3002 .2717 .2458 .2224 .2012 .1820
41 .6782 .6078 .5456 .4903 .4411 .3972 .3578 .3224 .2905 .2617 .2358 .2123 .1911 .1720
42 .6754 .6036 .5402 .4839 .4338 .3891 .3491 .3132 .2810 .2520 .2259 .2024 .1813 .1624
43 .6726 .5995 .5349 .4775 .4265 .3811 .3405 .3041 .2715 .2423 .2162 .1928 .1718 .1530
44 .6699 .5956 .5297 .4713 .4194 .3731 .3319 .2951 .2622 .2329 .2067 .1833 .1625 .1439
45 .6673 .5917 .5246 .4651 .4123 .3653 .3235 .2862 .2531 .2236 .1974 .1741 .1535 .1351
46 .6648 .5879 .5196 .4590 .4053 .3575 .3151 .2775 .2441 .2145 .1883 .1652 .1447 .1267
47 .6624 .5842 .5147 .4531 .3984 .3499 .3069 .2689 .2352 .2056 .1794 .1564 .1362 .1185
48 .6601 .5806 .5099 .4472 .3915 .3423 .2987 .2603 .2265 .1968 .1707 .1479 .1280 .1106
49 .6579 .5772 .5052 .4413 .3848 .3348 .2907 .2519 .2179 .1882 .1623 .1397 .1200 .1030
50 .6558 .5738 .5006 .4356 .3781 .3273 .2827 .2436 .2095 .1798 .1540 .1316 .1123 .0957
51 .6537 .5705 .4961 .4300 .3715 .3200 .2749 .2355 .2012 .1715 .1459 .1238 .1049 .0887
52 .6518 .5673 .4917 .4244 .3649 .3127 .2671 .2274 .1931 .1634 .1380 .1163 .0977 .0819
53 .6500 .5643 .4873 .4189 .3585 .3055 .2594 .2195 .1850 .1555 .1303 .1089 .0908 .0755
54 .6482 .5613 .4831 .4135 .3521 .2985 .2519 .2117 .1772 .1478 .1229 .1018 .0841 .0693
55 .6466 .5584 .4790 .4082 .3459 .2915 .2444 .2040 .1695 .1402 .1156 .0950 .0777 .0634
56 .6450 .5556 .4749 .4030 .3397 .2846 .2370 .1964 .1619 .1329 .1085 .0883 .0716 .0578
57 .6435 .5530 .4710 .3979 .3336 .2778 .2298 .1889 .1545 .1257 .1017 .0819 .0657 .0525
58 .6421 .5504 .4672 .3929 .3276 .2711 .2226 .1816 .1472 .1186 .0951 .0758 .0601 .0475
59 .6408 .5480 .4635 .3880 .3218 .2645 .2156 .1744 .1401 .1118 .0887 .0699 .0548 .0428
60 .6396 .5456 .4599 .3832 .3160 .2580 .2087 .1674 .1332 .1052 .0825 .0643 .0498 .0383
61 .6385 .5434 .4564 .3786 .3103 .2516 .2019 .1605 .1264 .0987 .0765 .0589 .0450 .0342
62 .6374 .5413 .4531 .3741 .3048 .2453 .1952 .1537 .1198 .0925 .0708 .0538 .0405 .0303
63 .6365 .5394 .4499 .3697 .2994 .2392 .1887 .1471 .1134 .0865 .0654 .0489 .0363 .0268
64 .6357 .5375 .4469 .3654 .2941 .2332 .1823 .1406 .1071 .0807 .0601 .0444 .0324 .0235
65 .6349 .5358 .4440 .3613 .2890 .2273 .1760 .1343 .1011 .0751 .0552 .0401 .0288 .0205
66 .6342 .5342 .4413 .3574 .2839 .2215 .1699 .1282 .0953 .0698 .0505 .0361 .0255 .0178
67 .6336 .5328 .4387 .3536 .2791 .2159 .1639 .1222 .0897 .0647 .0461 .0324 .0225 .0154
68 .6331 .5315 .4362 .3499 .2744 .2105 .1581 .1165 .0843 .0599 .0419 .0289 .0197 .0132
69 .6326 .5302 .4339 .3464 .2698 .2051 .1524 .1109 .0791 .0553 .0380 .0258 .0172 .0113
70 .6322 .5292 .4318 .3430 .2653 .1999 .1470 .1055 .0741 .0510 .0344 .0229 .0149 .0096
71 .6319 .5282 .4297 .3398 .2609 .1948 .1415 .1002 .0693 .0468 .0310 .0202 .0129 .0081
72 .6316 .5273 .4279 .3368 .2569 .1900 .1365 .0953 .0649 .0431 .0280 .0179 .0112 .0069
73 .6314 .5266 .4263 .3341 .2531 .1856 .1318 .0908 .0609 .0398 .0254 .0158 .0097 .0058
74 .6313 .5262 .4253 .3324 .2508 .1828 .1288 .0880 .0584 .0377 .0238 .0146 .0088 .0052


Premium-Based Plan, with no Single Loss Limit


Insurance Savings Table

Hazard Group 1

Effective November 19, 2010



Minimum Loss Ratio
Size 0% 5% 10% 15% 20% 30% 40% 50% 60%
1 .0000 .0284 .0603 .0956 .1337 .2147 .2999 .3880 .4781
2 .0000 .0266 .0573 .0919 .1292 .2088 .2929 .3800 .4692
3 .0000 .0249 .0545 .0883 .1248 .2032 .2861 .3722 .4605
4 .0000 .0232 .0518 .0848 .1206 .1976 .2795 .3645 .4519
5 .0000 .0217 .0493 .0815 .1165 .1922 .2729 .3570 .4435
6 .0000 .0203 .0470 .0783 .1125 .1869 .2665 .3495 .4351
7 .0000 .0189 .0447 .0752 .1087 .1817 .2602 .3422 .4269
8 .0000 .0177 .0426 .0722 .1050 .1767 .2540 .3350 .4188
9 .0000 .0165 .0405 .0693 .1013 .1718 .2479 .3280 .4108
10 .0000 .0154 .0385 .0665 .0978 .1669 .2419 .3210 .4029
11 .0000 .0144 .0367 .0639 .0944 .1622 .2360 .3140 .3951
12 .0000 .0134 .0348 .0612 .0910 .1575 .2302 .3072 .3873
13 .0000 .0125 .0331 .0587 .0878 .1529 .2245 .3004 .3796
14 .0000 .0117 .0314 .0562 .0846 .1484 .2188 .2937 .3720
15 .0000 .0109 .0298 .0538 .0814 .1440 .2132 .2871 .3644
16 .0000 .0101 .0282 .0515 .0784 .1396 .2077 .2805 .3569
17 .0000 .0094 .0267 .0492 .0754 .1353 .2022 .2740 .3494
18 .0000 .0087 .0253 .0470 .0724 .1310 .1967 .2675 .3419
19 .0000 .0081 .0239 .0449 .0696 .1268 .1913 .2610 .3345
20 .0000 .0074 .0225 .0428 .0668 .1227 .1860 .2546 .3272
21 .0000 .0069 .0212 .0407 .0640 .1186 .1807 .2482 .3199
22 .0000 .0063 .0200 .0387 .0613 .1145 .1754 .2419 .3126
23 .0000 .0058 .0188 .0368 .0586 .1105 .1702 .2356 .3053
24 .0000 .0053 .0176 .0349 .0561 .1066 .1651 .2293 .2981
25 .0000 .0049 .0165 .0331 .0535 .1027 .1599 .2231 .2909
26 .0000 .0045 .0154 .0313 .0510 .0988 .1548 .2169 .2837
27 .0000 .0041 .0144 .0296 .0486 .0950 .1498 .2107 .2766
28 .0000 .0037 .0134 .0279 .0462 .0912 .1447 .2046 .2695
29 .0000 .0034 .0125 .0263 .0438 .0875 .1398 .1985 .2624
30 .0000 .0030 .0116 .0247 .0416 .0839 .1348 .1925 .2554
31 .0000 .0027 .0107 .0232 .0393 .0802 .1300 .1864 .2484
32 .0000 .0025 .0099 .0217 .0372 .0767 .1251 .1805 .2414
33 .0000 .0022 .0091 .0203 .0350 .0732 .1203 .1745 .2345
34 .0000 .0020 .0083 .0189 .0330 .0697 .1156 .1686 .2276
35 .0000 .0017 .0076 .0176 .0310 .0663 .1109 .1627 .2207
36 .0000 .0015 .0070 .0163 .0290 .0630 .1062 .1569 .2138
37 .0000 .0014 .0063 .0150 .0271 .0597 .1016 .1511 .2070
38 .0000 .0012 .0057 .0139 .0253 .0564 .0970 .1454 .2002
39 .0000 .0010 .0052 .0127 .0235 .0533 .0925 .1397 .1935
40 .0000 .0009 .0047 .0117 .0218 .0502 .0881 .1341 .1869
41 .0000 .0008 .0042 .0107 .0201 .0472 .0838 .1286 .1803
42 .0000 .0007 .0037 .0097 .0186 .0444 .0796 .1232 .1739
43 .0000 .0006 .0033 .0088 .0171 .0416 .0755 .1179 .1675
44 .0000 .0005 .0029 .0080 .0157 .0389 .0716 .1127 .1613
45 .0000 .0004 .0026 .0072 .0144 .0363 .0677 .1076 .1551
46 .0000 .0004 .0023 .0065 .0131 .0338 .0639 .1026 .1490
47 .0000 .0003 .0020 .0058 .0119 .0314 .0602 .0977 .1431
48 .0000 .0002 .0017 .0052 .0108 .0291 .0566 .0929 .1372
49 .0000 .0002 .0015 .0046 .0098 .0269 .0532 .0882 .1313
50 .0000 .0002 .0013 .0041 .0088 .0248 .0498 .0836 .1256
51 .0000 .0001 .0011 .0036 .0079 .0227 .0465 .0791 .1200
52 .0000 .0001 .0009 .0031 .0070 .0208 .0433 .0747 .1144
53 .0000 .0001 .0008 .0027 .0062 .0190 .0403 .0703 .1089
54 .0000 .0001 .0007 .0023 .0055 .0172 .0373 .0661 .1035
55 .0000 .0001 .0006 .0020 .0048 .0156 .0344 .0620 .0982
56 .0000 .0000 .0005 .0017 .0042 .0140 .0316 .0579 .0930
57 .0000 .0000 .0004 .0014 .0036 .0125 .0290 .0540 .0879
58 .0000 .0000 .0003 .0012 .0031 .0111 .0264 .0502 .0829
59 .0000 .0000 .0002 .0010 .0026 .0098 .0240 .0465 .0780
60 .0000 .0000 .0002 .0008 .0022 .0086 .0216 .0429 .0732
61 .0000 .0000 .0001 .0006 .0018 .0075 .0194 .0394 .0686
62 .0000 .0000 .0001 .0005 .0015 .0064 .0173 .0361 .0641
63 .0000 .0000 .0001 .0004 .0012 .0055 .0154 .0329 .0597
64 .0000 .0000 .0001 .0003 .0010 .0047 .0135 .0299 .0554
65 .0000 .0000 .0000 .0002 .0008 .0039 .0118 .0270 .0513
66 .0000 .0000 .0000 .0002 .0006 .0032 .0102 .0243 .0474
67 .0000 .0000 .0000 .0001 .0004 .0026 .0088 .0217 .0436
68 .0000 .0000 .0000 .0001 .0003 .0021 .0075 .0192 .0399
69 .0000 .0000 .0000 .0001 .0002 .0016 .0062 .0169 .0364
70 .0000 .0000 .0000 .0000 .0002 .0012 .0052 .0148 .0330
71 .0000 .0000 .0000 .0000 .0001 .0009 .0042 .0127 .0298
72 .0000 .0000 .0000 .0000 .0001 .0006 .0033 .0109 .0268
73 .0000 .0000 .0000 .0000 .0000 .0004 .0026 .0093 .0241
74 .0000 .0000 .0000 .0000 .0000 .0003 .0022 .0083 .0224


Premium-Based Plan, with Various Single Loss Limits


Insurance Charge Table

Hazard Group 1

Effective November 19, 2010



Maximum Loss Ratio
Size Single Loss Limit* 30% 40% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% 160%
40 $120 .6809 .6117 .5504 .4960 .4476 .4047 .3683 .3376 .3119 .2904 .2723 .2570 .2442 .2337
41 $120 .6780 .6074 .5449 .4895 .4402 .3974 .3613 .3310 .3057 .2844 .2667 .2518 .2395 .2295
42 $120 .6751 .6032 .5395 .4830 .4331 .3905 .3546 .3247 .2996 .2787 .2613 .2469 .2352 .2257
43 $120 .6723 .5991 .5342 .4767 .4265 .3839 .3483 .3186 .2938 .2732 .2562 .2424 .2312 .2222
44 $120 .6696 .5951 .5291 .4706 .4202 .3777 .3422 .3126 .2881 .2679 .2514 .2381 .2275 .2189
45 $120 .6670 .5913 .5240 .4648 .4142 .3717 .3363 .3069 .2826 .2629 .2469 .2342 .2240 .2159
46 $120 .6646 .5875 .5190 .4592 .4085 .3659 .3306 .3013 .2774 .2581 .2427 .2304 .2207 .2131
47 $120 .6622 .5838 .5143 .4540 .4029 .3603 .3250 .2960 .2725 .2537 .2387 .2269 .2177 .2105
48 $120 .6599 .5802 .5097 .4489 .3976 .3548 .3195 .2908 .2677 .2494 .2349 .2237 .2149 .2082
49 $120 .6577 .5768 .5054 .4440 .3924 .3495 .3143 .2859 .2632 .2453 .2314 .2206 .2123 .2060
50 $120 .6556 .5735 .5012 .4393 .3873 .3442 .3092 .2811 .2589 .2415 .2280 .2177 .2099 .2040
$250 .6557 .5737 .5005 .4354 .3778 .3270 .2829 .2449 .2127 .1855 .1626 .1434 .1275 .1142
51 $120 .6535 .5703 .4972 .4347 .3823 .3392 .3043 .2765 .2547 .2378 .2249 .2151 .2077 .2022
$250 .6537 .5704 .4959 .4297 .3712 .3198 .2755 .2377 .2056 .1787 .1562 .1376 .1221 .1094
52 $120 .6516 .5673 .4934 .4303 .3775 .3342 .2995 .2721 .2507 .2343 .2219 .2126 .2057 .2006
$250 .6518 .5673 .4915 .4242 .3647 .3129 .2684 .2306 .1988 .1722 .1501 .1319 .1170 .1048
53 $120 .6498 .5644 .4897 .4259 .3728 .3295 .2949 .2678 .2469 .2310 .2191 .2102 .2038 .1991
$250 .6499 .5642 .4872 .4187 .3584 .3061 .2615 .2238 .1922 .1659 .1443 .1265 .1122 .1006
54 $120 .6481 .5617 .4861 .4216 .3682 .3248 .2905 .2637 .2433 .2279 .2165 .2081 .2021 .1977
$250 .6482 .5612 .4829 .4133 .3523 .2996 .2548 .2171 .1857 .1598 .1386 .1214 .1076 .0966
55 $120 .6464 .5591 .4826 .4175 .3637 .3203 .2861 .2598 .2398 .2249 .2140 .2061 .2005 .1965
$250 .6465 .5583 .4788 .4081 .3463 .2932 .2483 .2106 .1795 .1539 .1332 .1166 .1033 .0928
56 $120 .6449 .5567 .4793 .4135 .3594 .3159 .2820 .2560 .2365 .2221 .2117 .2043 .1990 .1954
$250 .6449 .5556 .4748 .4030 .3405 .2870 .2419 .2043 .1734 .1482 .1280 .1119 .0992 .0893
57 $120 .6435 .5543 .4760 .4096 .3551 .3117 .2779 .2523 .2333 .2195 .2096 .2026 .1977 .1944
$250 .6435 .5529 .4709 .3982 .3349 .2810 .2356 .1981 .1675 .1428 .1231 .1075 .0954 .0860
58 $120 .6422 .5521 .4729 .4058 .3510 .3075 .2740 .2488 .2303 .2170 .2076 .2010 .1965 .1935
$250 .6421 .5503 .4672 .3934 .3294 .2750 .2295 .1921 .1618 .1375 .1183 .1034 .0918 .0830
$500 .6421 .5504 .4671 .3929 .3276 .2710 .2226 .1816 .1474 .1191 .0958 .0770 .0617 .0495
59 $120 .6410 .5499 .4699 .4022 .3470 .3035 .2702 .2455 .2275 .2146 .2057 .1996 .1955 .1927
$250 .6408 .5479 .4636 .3888 .3241 .2692 .2236 .1863 .1562 .1324 .1138 .0995 .0885 .0802
$500 .6408 .5480 .4634 .3880 .3217 .2644 .2156 .1745 .1405 .1125 .0897 .0714 .0567 .0451
60 $120 .6399 .5479 .4670 .3986 .3431 .2996 .2666 .2422 .2247 .2125 .2040 .1983 .1945 .1921
$250 .6396 .5456 .4601 .3844 .3189 .2636 .2178 .1806 .1509 .1276 .1096 .0958 .0854 .0776
$500 .6396 .5456 .4599 .3832 .3159 .2580 .2088 .1676 .1337 .1061 .0838 .0660 .0520 .0410
61 $120 .6389 .5460 .4642 .3951 .3393 .2958 .2631 .2392 .2222 .2104 .2024 .1971 .1937 .1914
$250 .6384 .5434 .4568 .3801 .3138 .2581 .2121 .1751 .1458 .1230 .1055 .0923 .0825 .0753
$500 .6385 .5434 .4564 .3786 .3103 .2516 .2020 .1609 .1271 .0999 .0781 .0610 .0476 .0372
62 $120 .6380 .5442 .4615 .3918 .3356 .2922 .2597 .2362 .2198 .2085 .2010 .1961 .1929 .1909
$250 .6374 .5414 .4537 .3759 .3089 .2527 .2066 .1697 .1408 .1185 .1016 .0891 .0798 .0731
$500 .6374 .5413 .4531 .3740 .3048 .2454 .1955 .1543 .1207 .0939 .0727 .0562 .0434 .0337
63 $120 .6371 .5425 .4589 .3886 .3321 .2886 .2564 .2334 .2175 .2067 .1997 .1951 .1922 .1904
$250 .6365 .5395 .4507 .3719 .3041 .2474 .2013 .1646 .1360 .1143 .0980 .0860 .0774 .0712
$500 .6365 .5394 .4499 .3697 .2994 .2394 .1891 .1478 .1145 .0882 .0675 .0516 .0395 .0304
64 $120 .6364 .5409 .4565 .3855 .3286 .2852 .2533 .2308 .2154 .2051 .1984 .1942 .1916 .1900
$250 .6357 .5377 .4479 .3681 .2995 .2423 .1961 .1596 .1315 .1103 .0946 .0832 .0751 .0694
$500 .6356 .5375 .4469 .3654 .2942 .2334 .1828 .1416 .1086 .0826 .0626 .0474 .0359 .0274
$1,000 .6357 .5375 .4469 .3654 .2941 .2332 .1823 .1406 .1071 .0807 .0602 .0444 .0325 .0235
65 $120 .6357 .5394 .4541 .3824 .3253 .2819 .2504 .2283 .2134 .2036 .1973 .1935 .1911 .1897
$250 .6349 .5361 .4452 .3643 .2950 .2374 .1910 .1547 .1271 .1064 .0914 .0806 .0731 .0678
$500 .6349 .5358 .4440 .3614 .2891 .2277 .1767 .1355 .1028 .0774 .0579 .0434 .0326 .0247
$1,000 .6349 .5358 .4440 .3613 .2890 .2273 .1760 .1343 .1011 .0752 .0552 .0401 .0288 .0206
66 $120 .6350 .5380 .4519 .3796 .3221 .2788 .2475 .2259 .2115 .2022 .1964 .1928 .1907 .1894
$250 .6342 .5346 .4426 .3608 .2906 .2326 .1861 .1501 .1229 .1028 .0884 .0783 .0712 .0664
$500 .6342 .5342 .4413 .3574 .2842 .2220 .1708 .1296 .0972 .0723 .0535 .0397 .0295 .0223
$1,000 .6342 .5342 .4413 .3574 .2839 .2215 .1699 .1282 .0953 .0698 .0505 .0361 .0255 .0179
67 $120 .6345 .5367 .4498 .3768 .3190 .2757 .2448 .2237 .2098 .2009 .1955 .1922 .1903 .1892
$250 .6337 .5332 .4402 .3574 .2864 .2279 .1814 .1456 .1189 .0995 .0857 .0761 .0695 .0652
$500 .6336 .5328 .4387 .3537 .2794 .2166 .1650 .1238 .0918 .0675 .0494 .0362 .0267 .0200
$1,000 .6336 .5328 .4387 .3536 .2791 .2159 .1639 .1222 .0897 .0648 .0461 .0324 .0225 .0154
68 $120 .6340 .5355 .4477 .3741 .3161 .2728 .2422 .2216 .2081 .1997 .1946 .1916 .1899 .1889
$250 .6332 .5320 .4380 .3541 .2824 .2234 .1769 .1414 .1151 .0963 .0831 .0741 .0680 .0641
$500 .6331 .5315 .4363 .3501 .2748 .2112 .1594 .1183 .0867 .0630 .0455 .0330 .0242 .0181
$1,000 .6331 .5315 .4362 .3499 .2744 .2105 .1581 .1165 .0843 .0599 .0420 .0290 .0197 .0133
69 $120 .6335 .5344 .4458 .3716 .3132 .2700 .2398 .2196 .2066 .1987 .1939 .1912 .1896 .1888
$250 .6327 .5308 .4359 .3510 .2784 .2191 .1725 .1373 .1115 .0933 .0807 .0723 .0667 .0631
$500 .6326 .5303 .4340 .3466 .2703 .2061 .1539 .1130 .0818 .0586 .0419 .0301 .0219 .0163
$1,000 .6326 .5302 .4339 .3464 .2698 .2051 .1525 .1109 .0791 .0553 .0381 .0258 .0172 .0113
70 $120 .6331 .5334 .4440 .3691 .3105 .2674 .2375 .2177 .2053 .1977 .1933 .1908 .1894 .1886
$250 .6323 .5298 .4339 .3480 .2747 .2149 .1683 .1333 .1081 .0905 .0785 .0706 .0655 .0623
$500 .6322 .5292 .4319 .3433 .2660 .2010 .1486 .1078 .0771 .0546 .0385 .0274 .0198 .0148
$1,000 .6322 .5292 .4318 .3430 .2653 .1999 .1470 .1055 .0741 .0510 .0345 .0229 .0150 .0097
71 $120 .6328 .5324 .4423 .3667 .3078 .2648 .2352 .2159 .2040 .1968 .1927 .1904 .1891 .1885
$250 .6320 .5289 .4320 .3451 .2710 .2108 .1641 .1295 .1048 .0878 .0765 .0691 .0644 .0615
$500 .6319 .5282 .4299 .3401 .2617 .1961 .1434 .1028 .0725 .0507 .0354 .0249 .0180 .0134
$1,000 .6319 .5282 .4297 .3398 .2610 .1948 .1415 .1002 .0693 .0469 .0311 .0202 .0129 .0082
72 $120 .6325 .5316 .4407 .3646 .3054 .2624 .2332 .2144 .2028 .1960 .1922 .1901 .1889 .1884
$250 .6318 .5281 .4303 .3425 .2676 .2070 .1603 .1261 .1019 .0855 .0747 .0678 .0635 .0609
$500 .6317 .5274 .4281 .3372 .2578 .1915 .1386 .0981 .0683 .0472 .0326 .0228 .0164 .0123
$1,000 .6316 .5273 .4279 .3368 .2569 .1900 .1365 .0954 .0649 .0432 .0281 .0179 .0112 .0069
73 $120 .6322 .5308 .4393 .3626 .3031 .2603 .2314 .2130 .2018 .1953 .1917 .1898 .1888 .1883
$250 .6316 .5274 .4289 .3401 .2644 .2034 .1568 .1229 .0992 .0834 .0731 .0667 .0628 .0604
$500 .6315 .5267 .4265 .3346 .2541 .1872 .1341 .0939 .0646 .0440 .0301 .0209 .0150 .0114
$1,000 .6314 .5266 .4263 .3341 .2532 .1856 .1318 .0909 .0609 .0398 .0254 .0159 .0098 .0059
74 $120 .6321 .5304 .4384 .3614 .3018 .2590 .2302 .2121 .2012 .1949 .1915 .1897 .1887 .1882
$250 .6315 .5270 .4280 .3386 .2625 .2012 .1546 .1209 .0976 .0821 .0722 .0660 .0623 .0601
$500 .6313 .5263 .4255 .3329 .2518 .1845 .1313 .0912 .0622 .0421 .0286 .0198 .0143 .0108
$1,000 .6313 .5262 .4253 .3324 .2508 .1828 .1289 .0881 .0585 .0378 .0238 .0147 .0089 .0053

*Single Loss Limit values are expressed in thousands of dollars.


Premium-Based Plan, with Various Single Loss Limits


Insurance Savings Table

Hazard Group 1

Effective November 19, 2010



Minimum Loss Ratio
Size Single Loss Limit* 0% 5% 10% 15% 20% 30% 40% 50% 60%
40 $120 .0000 .0009 .0046 .0116 .0216 .0499 .0877 .1334 .1860
41 $120 .0000 .0008 .0041 .0106 .0200 .0470 .0834 .1279 .1795
42 $120 .0000 .0007 .0037 .0096 .0185 .0441 .0792 .1225 .1730
43 $120 .0000 .0006 .0033 .0087 .0170 .0413 .0751 .1172 .1667
44 $120 .0000 .0005 .0029 .0079 .0156 .0386 .0711 .1121 .1606
45 $120 .0000 .0004 .0026 .0071 .0143 .0360 .0673 .1070 .1548
46 $120 .0000 .0003 .0023 .0064 .0130 .0336 .0635 .1020 .1492
47 $120 .0000 .0003 .0020 .0057 .0118 .0312 .0598 .0973 .1440
48 $120 .0000 .0002 .0017 .0051 .0107 .0289 .0562 .0927 .1389
49 $120 .0000 .0002 .0015 .0045 .0097 .0267 .0528 .0884 .1340
50 $120 .0000 .0002 .0013 .0040 .0087 .0246 .0495 .0842 .1293
$250 .0000 .0002 .0013 .0040 .0088 .0247 .0497 .0835 .1254
51 $120 .0000 .0001 .0011 .0035 .0078 .0225 .0463 .0802 .1247
$250 .0000 .0001 .0011 .0035 .0078 .0227 .0464 .0789 .1197
52 $120 .0000 .0001 .0009 .0031 .0069 .0206 .0433 .0764 .1203
$250 .0000 .0001 .0009 .0031 .0070 .0208 .0433 .0745 .1142
53 $120 .0000 .0001 .0008 .0027 .0061 .0188 .0404 .0727 .1159
$250 .0000 .0001 .0008 .0027 .0062 .0189 .0402 .0702 .1087
54 $120 .0000 .0001 .0007 .0023 .0054 .0171 .0377 .0691 .1116
$250 .0000 .0001 .0007 .0023 .0054 .0172 .0372 .0659 .1033
55 $120 .0000 .0001 .0005 .0020 .0047 .0154 .0351 .0656 .1075
$250 .0000 .0001 .0006 .0020 .0048 .0155 .0343 .0618 .0981
56 $120 .0000 .0000 .0004 .0017 .0041 .0139 .0327 .0623 .1035
$250 .0000 .0000 .0005 .0017 .0041 .0139 .0316 .0578 .0930
57 $120 .0000 .0000 .0004 .0014 .0035 .0125 .0303 .0590 .0996
$250 .0000 .0000 .0004 .0014 .0036 .0125 .0289 .0539 .0882
58 $120 .0000 .0000 .0003 .0012 .0030 .0112 .0281 .0559 .0958
$250 .0000 .0000 .0003 .0012 .0031 .0111 .0263 .0502 .0834
$500 .0000 .0000 .0003 .0012 .0031 .0111 .0264 .0501 .0829
59 $120 .0000 .0000 .0002 .0010 .0026 .0100 .0259 .0529 .0922
$250 .0000 .0000 .0002 .0010 .0026 .0098 .0239 .0466 .0788
$500 .0000 .0000 .0002 .0010 .0026 .0098 .0240 .0464 .0780
60 $120 .0000 .0000 .0002 .0008 .0022 .0089 .0239 .0500 .0886
$250 .0000 .0000 .0002 .0008 .0022 .0086 .0216 .0431 .0744
$500 .0000 .0000 .0002 .0008 .0022 .0086 .0216 .0429 .0732
61 $120 .0000 .0000 .0001 .0006 .0018 .0079 .0220 .0472 .0851
$250 .0000 .0000 .0001 .0006 .0018 .0074 .0194 .0398 .0701
$500 .0000 .0000 .0001 .0006 .0018 .0075 .0194 .0394 .0686
62 $120 .0000 .0000 .0001 .0005 .0015 .0070 .0202 .0445 .0818
$250 .0000 .0000 .0001 .0005 .0015 .0064 .0174 .0367 .0659
$500 .0000 .0000 .0001 .0005 .0015 .0064 .0173 .0361 .0640
63 $120 .0000 .0000 .0001 .0004 .0012 .0061 .0185 .0419 .0786
$250 .0000 .0000 .0001 .0004 .0012 .0055 .0155 .0337 .0619
$500 .0000 .0000 .0001 .0004 .0012 .0055 .0154 .0329 .0597
64 $120 .0000 .0000 .0001 .0003 .0010 .0054 .0169 .0395 .0755
$250 .0000 .0000 .0001 .0003 .0010 .0047 .0137 .0309 .0581
$500 .0000 .0000 .0001 .0003 .0010 .0046 .0135 .0299 .0554
$1,000 .0000 .0000 .0001 .0003 .0010 .0047 .0135 .0299 .0554
65 $120 .0000 .0000 .0000 .0002 .0008 .0047 .0154 .0371 .0724
$250 .0000 .0000 .0000 .0002 .0008 .0039 .0121 .0282 .0543
$500 .0000 .0000 .0000 .0002 .0008 .0039 .0118 .0270 .0514
$1,000 .0000 .0000 .0000 .0002 .0008 .0039 .0118 .0270 .0513
66 $120 .0000 .0000 .0000 .0002 .0006 .0040 .0140 .0349 .0696
$250 .0000 .0000 .0000 .0002 .0006 .0032 .0106 .0256 .0508
$500 .0000 .0000 .0000 .0002 .0006 .0032 .0102 .0243 .0474
$1,000 .0000 .0000 .0000 .0002 .0006 .0032 .0102 .0243 .0474
67 $120 .0000 .0000 .0000 .0001 .0005 .0035 .0127 .0328 .0668
$250 .0000 .0000 .0000 .0001 .0004 .0027 .0092 .0232 .0474
$500 .0000 .0000 .0000 .0001 .0004 .0026 .0088 .0217 .0437
$1,000 .0000 .0000 .0000 .0001 .0004 .0026 .0088 .0217 .0436
68 $120 .0000 .0000 .0000 .0001 .0004 .0030 .0115 .0307 .0641
$250 .0000 .0000 .0000 .0001 .0003 .0022 .0080 .0210 .0441
$500 .0000 .0000 .0000 .0001 .0003 .0021 .0075 .0193 .0401
$1,000 .0000 .0000 .0000 .0001 .0003 .0021 .0075 .0192 .0399
69 $120 .0000 .0000 .0000 .0001 .0003 .0025 .0104 .0288 .0616
$250 .0000 .0000 .0000 .0001 .0002 .0017 .0068 .0189 .0410
$500 .0000 .0000 .0000 .0001 .0002 .0016 .0063 .0170 .0366
$1,000 .0000 .0000 .0000 .0001 .0002 .0016 .0062 .0169 .0364
70 $120 .0000 .0000 .0000 .0000 .0002 .0021 .0094 .0270 .0591
$250 .0000 .0000 .0000 .0000 .0002 .0013 .0058 .0169 .0380
$500 .0000 .0000 .0000 .0000 .0002 .0012 .0052 .0149 .0333
$1,000 .0000 .0000 .0000 .0000 .0002 .0012 .0052 .0148 .0330
71 $120 .0000 .0000 .0000 .0000 .0002 .0018 .0084 .0253 .0567
$250 .0000 .0000 .0000 .0000 .0001 .0010 .0049 .0150 .0351
$500 .0000 .0000 .0000 .0000 .0001 .0009 .0042 .0129 .0301
$1,000 .0000 .0000 .0000 .0000 .0001 .0009 .0042 .0127 .0298
72 $120 .0000 .0000 .0000 .0000 .0001 .0015 .0076 .0237 .0546
$250 .0000 .0000 .0000 .0000 .0001 .0008 .0041 .0133 .0325
$500 .0000 .0000 .0000 .0000 .0001 .0007 .0034 .0111 .0272
$1,000 .0000 .0000 .0000 .0000 .0001 .0006 .0033 .0109 .0268
73 $120 .0000 .0000 .0000 .0000 .0001 .0012 .0068 .0223 .0526
$250 .0000 .0000 .0000 .0000 .0000 .0006 .0034 .0119 .0301
$500 .0000 .0000 .0000 .0000 .0000 .0005 .0027 .0095 .0246
$1,000 .0000 .0000 .0000 .0000 .0000 .0004 .0026 .0093 .0241
74 $120 .0000 .0000 .0000 .0000 .0001 .0011 .0064 .0214 .0514
$250 .0000 .0000 .0000 .0000 .0000 .0005 .0030 .0110 .0286
$500 .0000 .0000 .0000 .0000 .0000 .0003 .0023 .0085 .0229
$1,000 .0000 .0000 .0000 .0000 .0000 .0003 .0022 .0083 .0224

*Single Loss Limit values are expressed in thousands of dollars.


Loss-Based Plan, with no Single Loss Limit


Insurance Charge Table

Hazard Group 1

Effective November 19, 2010



Maximum Loss Ratio
Size 30% 40% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% 160%
1 .8883 .8655 .8456 .8278 .8117 .7969 .7831 .7702 .7580 .7465 .7356 .7251 .7151 .7054
2 .8822 .8581 .8372 .8185 .8015 .7859 .7714 .7578 .7450 .7329 .7213 .7103 .6997 .6896
3 .8762 .8510 .8290 .8094 .7916 .7752 .7599 .7456 .7322 .7194 .7073 .6957 .6846 .6740
4 .8704 .8440 .8209 .8004 .7817 .7645 .7485 .7335 .7194 .7060 .6933 .6811 .6695 .6583
5 .8647 .8371 .8130 .7915 .7719 .7539 .7372 .7215 .7067 .6927 .6794 .6667 .6546 .6429
6 .8591 .8303 .8052 .7827 .7623 .7435 .7260 .7096 .6942 .6796 .6657 .6524 .6397 .6276
7 .8537 .8237 .7975 .7741 .7528 .7332 .7149 .6979 .6818 .6665 .6521 .6383 .6251 .6125
8 .8484 .8172 .7900 .7656 .7434 .7230 .7040 .6862 .6695 .6536 .6386 .6243 .6106 .5975
9 .8432 .8108 .7825 .7572 .7341 .7129 .6931 .6747 .6573 .6409 .6253 .6104 .5962 .5827
10 .8382 .8045 .7752 .7489 .7249 .7029 .6824 .6632 .6452 .6282 .6120 .5967 .5820 .5680
11 .8332 .7984 .7679 .7406 .7158 .6930 .6717 .6519 .6332 .6156 .5989 .5831 .5679 .5535
12 .8283 .7923 .7607 .7325 .7068 .6831 .6612 .6406 .6213 .6031 .5859 .5696 .5540 .5391
13 .8234 .7862 .7536 .7244 .6978 .6733 .6506 .6294 .6095 .5908 .5730 .5562 .5402 .5249
14 .8187 .7803 .7466 .7164 .6889 .6636 .6402 .6183 .5978 .5785 .5602 .5429 .5265 .5109
15 .8140 .7744 .7396 .7084 .6800 .6539 .6298 .6072 .5861 .5663 .5475 .5298 .5129 .4970
16 .8094 .7685 .7327 .7005 .6712 .6443 .6195 .5963 .5746 .5542 .5349 .5168 .4995 .4832
17 .8049 .7628 .7258 .6926 .6625 .6348 .6092 .5853 .5631 .5421 .5224 .5039 .4863 .4696
18 .8004 .7571 .7190 .6848 .6538 .6253 .5990 .5745 .5516 .5302 .5101 .4911 .4731 .4561
19 .7960 .7514 .7122 .6770 .6451 .6158 .5888 .5637 .5403 .5184 .4978 .4784 .4601 .4428
20 .7917 .7458 .7055 .6693 .6365 .6064 .5787 .5530 .5290 .5066 .4856 .4659 .4473 .4297
21 .7874 .7402 .6988 .6616 .6279 .5971 .5686 .5423 .5178 .4949 .4735 .4534 .4345 .4167
22 .7831 .7347 .6921 .6540 .6194 .5877 .5586 .5317 .5067 .4833 .4615 .4411 .4219 .4038
23 .7789 .7292 .6855 .6463 .6109 .5785 .5487 .5211 .4956 .4718 .4496 .4289 .4094 .3911
24 .7748 .7238 .6789 .6387 .6024 .5692 .5387 .5106 .4846 .4604 .4378 .4167 .3970 .3784
25 .7707 .7184 .6724 .6312 .5939 .5600 .5288 .5002 .4736 .4490 .4261 .4047 .3847 .3660
26 .7666 .7130 .6659 .6237 .5855 .5508 .5190 .4897 .4627 .4377 .4144 .3928 .3725 .3536
27 .7626 .7077 .6594 .6162 .5771 .5417 .5092 .4794 .4519 .4265 .4029 .3809 .3605 .3413
28 .7586 .7025 .6529 .6087 .5688 .5325 .4994 .4691 .4411 .4153 .3914 .3692 .3485 .3292
29 .7547 .6972 .6466 .6013 .5605 .5235 .4897 .4588 .4304 .4043 .3800 .3575 .3366 .3172
30 .7509 .6921 .6402 .5939 .5522 .5144 .4801 .4486 .4198 .3932 .3687 .3460 .3248 .3052
31 .7471 .6869 .6339 .5865 .5440 .5055 .4705 .4385 .4092 .3823 .3574 .3345 .3132 .2934
32 .7434 .6818 .6276 .5792 .5358 .4965 .4609 .4284 .3986 .3714 .3462 .3230 .3015 .2816
33 .7397 .6768 .6213 .5719 .5276 .4876 .4513 .4183 .3882 .3605 .3351 .3117 .2900 .2699
34 .7360 .6718 .6151 .5647 .5194 .4787 .4418 .4082 .3777 .3497 .3240 .3003 .2785 .2582
35 .7325 .6669 .6090 .5575 .5113 .4698 .4323 .3982 .3672 .3389 .3129 .2890 .2670 .2467
36 .7289 .6620 .6028 .5502 .5032 .4609 .4228 .3882 .3568 .3281 .3018 .2778 .2556 .2353
37 .7255 .6571 .5967 .5431 .4951 .4521 .4133 .3782 .3464 .3173 .2908 .2666 .2443 .2239
38 .7221 .6523 .5907 .5360 .4871 .4433 .4039 .3682 .3360 .3066 .2798 .2554 .2331 .2128
39 .7188 .6476 .5847 .5289 .4791 .4345 .3945 .3583 .3256 .2959 .2690 .2445 .2221 .2018
40 .7156 .6430 .5789 .5219 .4712 .4258 .3851 .3485 .3153 .2854 .2582 .2336 .2113 .1911
41 .7124 .6385 .5731 .5150 .4634 .4172 .3759 .3387 .3052 .2749 .2477 .2230 .2008 .1807
42 .7094 .6341 .5674 .5083 .4557 .4087 .3667 .3290 .2951 .2647 .2373 .2126 .1905 .1705
43 .7065 .6298 .5618 .5016 .4480 .4003 .3576 .3194 .2852 .2546 .2271 .2025 .1804 .1607
44 .7037 .6256 .5564 .4950 .4405 .3920 .3487 .3100 .2755 .2446 .2171 .1926 .1707 .1512
45 .7009 .6215 .5510 .4886 .4331 .3837 .3398 .3007 .2659 .2349 .2074 .1829 .1612 .1420
46 .6983 .6175 .5458 .4822 .4257 .3756 .3310 .2915 .2564 .2253 .1978 .1735 .1520 .1331
47 .6958 .6137 .5407 .4759 .4184 .3675 .3224 .2824 .2471 .2159 .1885 .1643 .1431 .1245
48 .6934 .6099 .5356 .4697 .4113 .3595 .3138 .2735 .2379 .2067 .1794 .1554 .1344 .1162
49 .6911 .6063 .5307 .4636 .4042 .3516 .3053 .2646 .2289 .1977 .1704 .1467 .1261 .1082
50 .6888 .6027 .5259 .4576 .3971 .3438 .2970 .2559 .2201 .1888 .1617 .1383 .1180 .1005
51 .6867 .5993 .5211 .4516 .3902 .3361 .2887 .2473 .2114 .1802 .1532 .1301 .1102 .0931
52 .6847 .5959 .5165 .4458 .3833 .3285 .2806 .2389 .2028 .1717 .1450 .1221 .1026 .0861
53 .6827 .5927 .5119 .4400 .3766 .3209 .2725 .2305 .1944 .1634 .1369 .1144 .0954 .0793
54 .6809 .5896 .5074 .4344 .3699 .3135 .2646 .2223 .1861 .1553 .1291 .1070 .0884 .0728
55 .6792 .5866 .5031 .4288 .3633 .3062 .2567 .2142 .1780 .1473 .1214 .0997 .0816 .0666
56 .6775 .5836 .4989 .4233 .3568 .2989 .2490 .2063 .1701 .1396 .1140 .0928 .0752 .0607
57 .6759 .5808 .4947 .4180 .3504 .2918 .2414 .1985 .1623 .1320 .1068 .0861 .0691 .0552
58 .6745 .5782 .4907 .4127 .3442 .2847 .2339 .1908 .1546 .1246 .0999 .0796 .0632 .0499
59 .6731 .5756 .4868 .4076 .3380 .2778 .2265 .1832 .1472 .1174 .0931 .0734 .0576 .0449
60 .6718 .5731 .4831 .4026 .3319 .2710 .2192 .1758 .1399 .1105 .0866 .0675 .0523 .0403
61 .6707 .5708 .4795 .3977 .3260 .2643 .2121 .1686 .1328 .1037 .0804 .0619 .0473 .0359
62 .6696 .5686 .4760 .3929 .3202 .2577 .2051 .1614 .1258 .0972 .0744 .0565 .0426 .0319
63 .6686 .5666 .4726 .3883 .3145 .2513 .1982 .1545 .1191 .0909 .0687 .0514 .0382 .0281
64 .6677 .5646 .4694 .3839 .3089 .2449 .1915 .1477 .1126 .0848 .0632 .0466 .0341 .0247
65 .6669 .5628 .4664 .3795 .3035 .2387 .1849 .1411 .1062 .0789 .0580 .0421 .0303 .0216
66 .6662 .5612 .4635 .3754 .2983 .2327 .1785 .1347 .1001 .0733 .0531 .0379 .0268 .0187
67 .6655 .5597 .4608 .3714 .2931 .2268 .1722 .1284 .0942 .0680 .0484 .0340 .0236 .0162
68 .6650 .5583 .4582 .3675 .2882 .2211 .1661 .1224 .0885 .0629 .0441 .0304 .0207 .0139
69 .6645 .5570 .4558 .3638 .2834 .2155 .1601 .1165 .0830 .0581 .0400 .0271 .0180 .0119
70 .6641 .5558 .4535 .3603 .2787 .2100 .1544 .1108 .0778 .0536 .0362 .0240 .0157 .0101
71 .6638 .5548 .4514 .3569 .2741 .2046 .1486 .1053 .0728 .0492 .0326 .0212 .0135 .0085
72 .6635 .5539 .4495 .3538 .2699 .1996 .1434 .1001 .0682 .0453 .0294 .0188 .0117 .0072
73 .6633 .5532 .4478 .3509 .2659 .1949 .1384 .0954 .0640 .0418 .0267 .0166 .0102 .0061
74 .6632 .5527 .4468 .3491 .2634 .1920 .1353 .0925 .0614 .0396 .0250 .0154 .0093 .0055


Loss-Based Plan, with no Single Loss Limit


Insurance Savings Table

Hazard Group 1

Effective November 19, 2010



Minimum Loss Ratio
Size 0% 5% 10% 15% 20% 30% 40% 50% 60%
1 .0000 .0298 .0633 .1005 .1404 .2255 .3150 .4075 .5022
2 .0000 .0279 .0602 .0965 .1357 .2194 .3077 .3992 .4929
3 .0000 .0261 .0572 .0927 .1311 .2134 .3006 .3910 .4838
4 .0000 .0244 .0545 .0891 .1267 .2076 .2935 .3829 .4747
5 .0000 .0228 .0518 .0856 .1224 .2019 .2867 .3750 .4658
6 .0000 .0213 .0493 .0822 .1182 .1963 .2799 .3672 .4571
7 .0000 .0199 .0470 .0790 .1142 .1909 .2733 .3595 .4485
8 .0000 .0186 .0447 .0759 .1103 .1856 .2668 .3519 .4400
9 .0000 .0174 .0426 .0728 .1065 .1804 .2604 .3445 .4315
10 .0000 .0162 .0405 .0699 .1028 .1753 .2541 .3371 .4232
11 .0000 .0151 .0385 .0671 .0991 .1704 .2479 .3299 .4150
12 .0000 .0141 .0366 .0643 .0956 .1655 .2418 .3227 .4069
13 .0000 .0132 .0348 .0617 .0922 .1606 .2358 .3156 .3988
14 .0000 .0123 .0330 .0591 .0888 .1559 .2298 .3085 .3907
15 .0000 .0114 .0313 .0565 .0855 .1512 .2240 .3016 .3828
16 .0000 .0106 .0296 .0541 .0823 .1466 .2181 .2946 .3749
17 .0000 .0099 .0281 .0517 .0792 .1421 .2124 .2878 .3670
18 .0000 .0091 .0265 .0494 .0761 .1376 .2066 .2809 .3592
19 .0000 .0085 .0251 .0471 .0731 .1332 .2010 .2742 .3514
20 .0000 .0078 .0237 .0449 .0701 .1288 .1954 .2674 .3437
21 .0000 .0072 .0223 .0428 .0672 .1245 .1898 .2607 .3360
22 .0000 .0067 .0210 .0407 .0644 .1203 .1843 .2541 .3283
23 .0000 .0061 .0197 .0387 .0616 .1161 .1788 .2475 .3207
24 .0000 .0056 .0185 .0367 .0589 .1119 .1734 .2409 .3131
25 .0000 .0051 .0173 .0348 .0562 .1078 .1680 .2344 .3056
26 .0000 .0047 .0162 .0329 .0536 .1038 .1626 .2278 .2980
27 .0000 .0043 .0151 .0311 .0510 .0998 .1573 .2214 .2905
28 .0000 .0039 .0141 .0293 .0485 .0958 .1520 .2149 .2831
29 .0000 .0035 .0131 .0276 .0461 .0919 .1468 .2085 .2757
30 .0000 .0032 .0121 .0259 .0437 .0881 .1416 .2022 .2683
31 .0000 .0029 .0112 .0243 .0413 .0843 .1365 .1958 .2609
32 .0000 .0026 .0104 .0228 .0390 .0805 .1314 .1896 .2536
33 .0000 .0023 .0096 .0213 .0368 .0769 .1264 .1833 .2463
34 .0000 .0021 .0088 .0198 .0346 .0732 .1214 .1771 .2390
35 .0000 .0018 .0080 .0184 .0325 .0697 .1164 .1709 .2318
36 .0000 .0016 .0073 .0171 .0305 .0661 .1115 .1648 .2246
37 .0000 .0014 .0067 .0158 .0285 .0627 .1067 .1587 .2175
38 .0000 .0012 .0060 .0146 .0265 .0593 .1019 .1527 .2103
39 .0000 .0011 .0054 .0134 .0247 .0560 .0972 .1467 .2033
40 .0000 .0009 .0049 .0123 .0229 .0528 .0926 .1408 .1963
41 .0000 .0008 .0044 .0112 .0212 .0496 .0881 .1351 .1894
42 .0000 .0007 .0039 .0102 .0195 .0466 .0837 .1294 .1826
43 .0000 .0006 .0035 .0093 .0180 .0437 .0794 .1238 .1760
44 .0000 .0005 .0031 .0084 .0165 .0408 .0752 .1184 .1694
45 .0000 .0004 .0027 .0076 .0151 .0381 .0711 .1130 .1629
46 .0000 .0004 .0024 .0068 .0138 .0355 .0671 .1078 .1566
47 .0000 .0003 .0021 .0061 .0125 .0330 .0633 .1027 .1503
48 .0000 .0003 .0018 .0054 .0114 .0306 .0595 .0976 .1441
49 .0000 .0002 .0016 .0048 .0103 .0282 .0559 .0927 .1380
50 .0000 .0002 .0014 .0043 .0092 .0260 .0523 .0878 .1319
51 .0000 .0001 .0012 .0037 .0083 .0239 .0489 .0831 .1260
52 .0000 .0001 .0010 .0033 .0073 .0219 .0455 .0784 .1201
53 .0000 .0001 .0008 .0028 .0065 .0199 .0423 .0739 .1144
54 .0000 .0001 .0007 .0024 .0057 .0181 .0392 .0694 .1087
55 .0000 .0001 .0006 .0021 .0050 .0163 .0361 .0651 .1032
56 .0000 .0000 .0005 .0018 .0044 .0147 .0332 .0608 .0977
57 .0000 .0000 .0004 .0015 .0038 .0131 .0304 .0567 .0923
58 .0000 .0000 .0003 .0012 .0032 .0117 .0277 .0527 .0871
59 .0000 .0000 .0002 .0010 .0027 .0103 .0252 .0488 .0819
60 .0000 .0000 .0002 .0008 .0023 .0090 .0227 .0451 .0769
61 .0000 .0000 .0002 .0007 .0019 .0079 .0204 .0414 .0721
62 .0000 .0000 .0001 .0005 .0016 .0068 .0182 .0379 .0673
63 .0000 .0000 .0001 .0004 .0013 .0058 .0162 .0346 .0627
64 .0000 .0000 .0001 .0003 .0010 .0049 .0142 .0314 .0582
65 .0000 .0000 .0000 .0002 .0008 .0041 .0124 .0284 .0539
66 .0000 .0000 .0000 .0002 .0006 .0034 .0108 .0255 .0498
67 .0000 .0000 .0000 .0001 .0005 .0027 .0092 .0227 .0457
68 .0000 .0000 .0000 .0001 .0003 .0022 .0078 .0202 .0419
69 .0000 .0000 .0000 .0001 .0002 .0017 .0066 .0178 .0382
70 .0000 .0000 .0000 .0000 .0002 .0013 .0054 .0155 .0347
71 .0000 .0000 .0000 .0000 .0001 .0010 .0044 .0134 .0313
72 .0000 .0000 .0000 .0000 .0001 .0007 .0035 .0115 .0281
73 .0000 .0000 .0000 .0000 .0000 .0005 .0027 .0098 .0253
74 .0000 .0000 .0000 .0000 .0000 .0004 .0023 .0087 .0235


Loss-Based Plan, with Various Single Loss Limits


Insurance Charge Table

Hazard Group 1

Effective November 19, 2010



Maximum Loss Ratio
Size Single Loss Limit* 30% 40% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% 160%
40 $120 .7153 .6425 .5782 .5211 .4701 .4251 .3868 .3547 .3277 .3050 .2860 .2700 .2566 .2455
41 $120 .7121 .6380 .5724 .5142 .4624 .4174 .3795 .3477 .3211 .2988 .2801 .2645 .2516 .2411
42 $120 .7091 .6336 .5667 .5074 .4550 .4102 .3725 .3410 .3147 .2928 .2745 .2594 .2471 .2371
43 $120 .7062 .6293 .5612 .5007 .4480 .4033 .3659 .3346 .3086 .2869 .2691 .2546 .2428 .2334
44 $120 .7034 .6251 .5557 .4943 .4414 .3968 .3595 .3284 .3026 .2814 .2641 .2501 .2389 .2300
45 $120 .7007 .6211 .5504 .4882 .4351 .3905 .3533 .3224 .2969 .2761 .2594 .2460 .2353 .2268
46 $120 .6981 .6171 .5452 .4824 .4291 .3844 .3472 .3165 .2914 .2712 .2550 .2421 .2319 .2238
47 $120 .6956 .6133 .5402 .4769 .4233 .3785 .3414 .3109 .2862 .2665 .2508 .2384 .2287 .2212
48 $120 .6931 .6095 .5354 .4715 .4176 .3727 .3356 .3055 .2812 .2620 .2468 .2349 .2257 .2187
49 $120 .6908 .6059 .5308 .4664 .4122 .3671 .3301 .3003 .2765 .2577 .2430 .2317 .2230 .2164
50 $120 .6886 .6024 .5265 .4615 .4068 .3616 .3248 .2953 .2719 .2536 .2395 .2287 .2205 .2143
$250 .6888 .6026 .5257 .4573 .3968 .3435 .2971 .2573 .2234 .1948 .1708 .1507 .1339 .1200
51 $120 .6865 .5991 .5223 .4566 .4016 .3563 .3196 .2904 .2675 .2498 .2362 .2259 .2182 .2124
$250 .6867 .5992 .5209 .4514 .3899 .3360 .2894 .2496 .2160 .1877 .1641 .1445 .1282 .1149
52 $120 .6845 .5959 .5182 .4519 .3965 .3511 .3146 .2858 .2634 .2461 .2331 .2233 .2160 .2107
$250 .6846 .5959 .5163 .4455 .3831 .3287 .2819 .2422 .2088 .1809 .1577 .1386 .1229 .1101
53 $120 .6825 .5929 .5143 .4474 .3915 .3461 .3098 .2813 .2594 .2427 .2301 .2208 .2140 .2091
$250 .6827 .5926 .5117 .4398 .3765 .3216 .2747 .2351 .2019 .1743 .1515 .1329 .1178 .1056
54 $120 .6807 .5900 .5106 .4429 .3867 .3412 .3051 .2770 .2555 .2394 .2274 .2186 .2122 .2077
$250 .6808 .5895 .5073 .4342 .3700 .3147 .2676 .2281 .1951 .1679 .1456 .1275 .1130 .1014
55 $120 .6790 .5873 .5069 .4386 .3820 .3365 .3006 .2729 .2519 .2363 .2248 .2165 .2106 .2064
$250 .6791 .5865 .5030 .4287 .3638 .3080 .2608 .2212 .1885 .1617 .1399 .1224 .1085 .0975
56 $120 .6775 .5847 .5034 .4344 .3775 .3319 .2962 .2689 .2484 .2333 .2224 .2146 .2091 .2052
$250 .6775 .5836 .4987 .4234 .3577 .3015 .2541 .2146 .1821 .1557 .1345 .1176 .1042 .0938
57 $120 .6760 .5823 .5000 .4303 .3730 .3274 .2919 .2650 .2451 .2305 .2201 .2128 .2077 .2042
$250 .6759 .5808 .4946 .4182 .3518 .2951 .2475 .2081 .1759 .1500 .1293 .1130 .1002 .0904
58 $120 .6746 .5799 .4967 .4263 .3687 .3230 .2878 .2614 .2419 .2279 .2180 .2112 .2065 .2033
$250 .6744 .5781 .4907 .4132 .3461 .2889 .2411 .2018 .1699 .1444 .1243 .1086 .0965 .0872
$500 .6745 .5782 .4907 .4127 .3441 .2847 .2338 .1908 .1548 .1251 .1007 .0808 .0648 .0520
59 $120 .6734 .5777 .4935 .4224 .3645 .3188 .2838 .2578 .2389 .2255 .2161 .2097 .2053 .2025
$250 .6731 .5755 .4869 .4084 .3405 .2828 .2348 .1956 .1641 .1391 .1196 .1045 .0930 .0842
$500 .6731 .5756 .4868 .4075 .3379 .2777 .2265 .1833 .1475 .1181 .0942 .0749 .0596 .0474
60 $120 .6722 .5756 .4905 .4187 .3604 .3147 .2800 .2545 .2361 .2232 .2143 .2083 .2043 .2017
$250 .6718 .5731 .4833 .4038 .3350 .2769 .2288 .1897 .1585 .1340 .1151 .1006 .0897 .0815
$500 .6718 .5731 .4831 .4025 .3319 .2710 .2193 .1761 .1404 .1114 .0880 .0694 .0546 .0431
61 $120 .6711 .5735 .4876 .4151 .3564 .3107 .2763 .2512 .2334 .2210 .2126 .2071 .2034 .2011
$250 .6706 .5708 .4799 .3993 .3297 .2711 .2228 .1839 .1531 .1292 .1108 .0970 .0867 .0791
$500 .6707 .5708 .4794 .3976 .3259 .2643 .2122 .1690 .1335 .1049 .0820 .0640 .0500 .0391
62 $120 .6701 .5717 .4848 .4116 .3526 .3069 .2728 .2481 .2308 .2190 .2111 .2060 .2026 .2005
$250 .6696 .5687 .4766 .3949 .3245 .2654 .2170 .1783 .1479 .1245 .1068 .0936 .0839 .0768
$500 .6696 .5686 .4759 .3929 .3202 .2578 .2054 .1620 .1268 .0986 .0764 .0590 .0456 .0354
63 $120 .6693 .5699 .4821 .4082 .3488 .3032 .2694 .2452 .2285 .2172 .2097 .2049 .2019 .2000
$250 .6686 .5667 .4734 .3907 .3195 .2599 .2114 .1729 .1429 .1200 .1030 .0904 .0813 .0748
$500 .6686 .5666 .4726 .3883 .3145 .2514 .1986 .1553 .1203 .0926 .0709 .0542 .0415 .0319
64 $120 .6684 .5682 .4795 .4049 .3452 .2996 .2661 .2424 .2262 .2154 .2085 .2040 .2013 .1996
$250 .6677 .5649 .4705 .3866 .3146 .2546 .2060 .1676 .1381 .1158 .0994 .0874 .0789 .0729
$500 .6677 .5646 .4694 .3839 .3090 .2452 .1920 .1487 .1140 .0868 .0658 .0497 .0377 .0288
$1,000 .6677 .5646 .4694 .3839 .3089 .2449 .1915 .1477 .1125 .0848 .0632 .0466 .0341 .0247
65 $120 .6677 .5666 .4770 .4017 .3417 .2961 .2630 .2398 .2241 .2138 .2073 .2032 .2007 .1993
$250 .6669 .5631 .4676 .3827 .3099 .2494 .2007 .1625 .1335 .1118 .0960 .0847 .0768 .0713
$500 .6669 .5628 .4664 .3796 .3037 .2391 .1856 .1423 .1080 .0813 .0609 .0456 .0342 .0260
$1,000 .6669 .5628 .4664 .3795 .3035 .2387 .1849 .1411 .1062 .0789 .0580 .0421 .0303 .0216
66 $120 .6670 .5652 .4747 .3987 .3383 .2928 .2600 .2373 .2222 .2124 .2063 .2025 .2003 .1990
$250 .6662 .5616 .4649 .3790 .3053 .2443 .1955 .1577 .1291 .1080 .0929 .0822 .0748 .0698
$500 .6662 .5612 .4635 .3755 .2985 .2332 .1794 .1361 .1021 .0760 .0562 .0417 .0310 .0234
$1,000 .6662 .5612 .4635 .3754 .2983 .2327 .1785 .1347 .1001 .0734 .0531 .0379 .0268 .0188
67 $120 .6664 .5638 .4724 .3958 .3351 .2896 .2571 .2349 .2203 .2110 .2053 .2019 .1998 .1987
$250 .6656 .5601 .4624 .3754 .3009 .2394 .1906 .1530 .1249 .1045 .0900 .0799 .0731 .0685
$500 .6655 .5597 .4608 .3715 .2935 .2275 .1733 .1301 .0965 .0709 .0519 .0380 .0281 .0211
$1,000 .6655 .5597 .4608 .3714 .2931 .2268 .1722 .1284 .0942 .0680 .0484 .0340 .0236 .0162
68 $120 .6659 .5625 .4703 .3930 .3320 .2866 .2544 .2327 .2186 .2098 .2045 .2013 .1995 .1985
$250 .6651 .5588 .4601 .3720 .2966 .2347 .1858 .1485 .1209 .1011 .0873 .0778 .0715 .0673
$500 .6650 .5583 .4583 .3677 .2886 .2219 .1674 .1243 .0911 .0661 .0478 .0347 .0254 .0190
$1,000 .6650 .5583 .4582 .3675 .2882 .2211 .1661 .1224 .0885 .0630 .0441 .0304 .0207 .0139
69 $120 .6655 .5614 .4683 .3903 .3290 .2836 .2519 .2306 .2171 .2087 .2037 .2008 .1992 .1983
$250 .6646 .5576 .4578 .3687 .2925 .2301 .1812 .1442 .1171 .0980 .0848 .0759 .0701 .0663
$500 .6645 .5570 .4559 .3641 .2839 .2164 .1617 .1187 .0859 .0616 .0440 .0316 .0230 .0172
$1,000 .6645 .5570 .4558 .3638 .2834 .2155 .1601 .1165 .0831 .0581 .0400 .0271 .0181 .0119
70 $120 .6650 .5603 .4664 .3877 .3261 .2809 .2494 .2287 .2156 .2077 .2030 .2004 .1989 .1981
$250 .6642 .5565 .4558 .3655 .2885 .2257 .1768 .1401 .1136 .0950 .0825 .0742 .0688 .0654
$500 .6641 .5559 .4536 .3606 .2794 .2112 .1561 .1133 .0810 .0573 .0405 .0288 .0208 .0156
$1,000 .6641 .5558 .4535 .3603 .2787 .2100 .1544 .1109 .0779 .0536 .0362 .0241 .0157 .0102
71 $120 .6647 .5593 .4646 .3852 .3233 .2781 .2471 .2268 .2142 .2067 .2024 .2000 .1987 .1980
$250 .6639 .5555 .4538 .3625 .2846 .2214 .1724 .1361 .1101 .0923 .0803 .0726 .0677 .0647
$500 .6638 .5548 .4515 .3573 .2749 .2060 .1506 .1079 .0761 .0532 .0371 .0262 .0189 .0141
$1,000 .6638 .5548 .4514 .3569 .2741 .2046 .1487 .1053 .0728 .0492 .0326 .0212 .0136 .0086
72 $120 .6644 .5584 .4629 .3830 .3208 .2757 .2450 .2252 .2130 .2059 .2019 .1997 .1985 .1979
$250 .6636 .5547 .4520 .3598 .2811 .2174 .1684 .1324 .1070 .0898 .0785 .0712 .0667 .0640
$500 .6635 .5540 .4497 .3542 .2708 .2011 .1456 .1031 .0718 .0495 .0342 .0239 .0172 .0129
$1,000 .6635 .5539 .4495 .3538 .2699 .1996 .1434 .1002 .0682 .0453 .0295 .0188 .0118 .0073
73 $120 .6641 .5576 .4614 .3809 .3184 .2734 .2430 .2237 .2120 .2052 .2014 .1994 .1983 .1978
$250 .6634 .5540 .4505 .3572 .2778 .2137 .1647 .1291 .1042 .0876 .0768 .0701 .0659 .0635
$500 .6633 .5532 .4480 .3514 .2669 .1966 .1409 .0986 .0678 .0463 .0316 .0220 .0158 .0119
$1,000 .6633 .5532 .4478 .3509 .2659 .1950 .1385 .0955 .0640 .0418 .0267 .0167 .0103 .0062
74 $120 .6640 .5571 .4605 .3796 .3170 .2720 .2419 .2228 .2113 .2048 .2011 .1992 .1982 .1977
$250 .6633 .5536 .4495 .3557 .2757 .2114 .1624 .1270 .1025 .0863 .0758 .0694 .0655 .0632
$500 .6632 .5528 .4470 .3497 .2645 .1938 .1379 .0958 .0654 .0442 .0301 .0208 .0150 .0114
$1,000 .6632 .5527 .4468 .3491 .2634 .1920 .1354 .0925 .0614 .0397 .0250 .0155 .0094 .0056

*Single Loss Limit values are expressed in thousands of dollars.


Loss-Based Plan, with Various Single Loss Limits


Insurance Savings Table

Hazard Group 1

Effective November 19, 2010



Minimum Loss Ratio
Size Single Loss Limit* 0% 5% 10% 15% 20% 30% 40% 50% 60%
40 $120 .0000 .0009 .0048 .0122 .0227 .0524 .0921 .1402 .1954
41 $120 .0000 .0008 .0043 .0111 .0210 .0493 .0876 .1344 .1885
42 $120 .0000 .0007 .0039 .0101 .0194 .0463 .0832 .1287 .1818
43 $120 .0000 .0006 .0035 .0092 .0178 .0434 .0789 .1232 .1751
44 $120 .0000 .0005 .0031 .0083 .0164 .0406 .0747 .1177 .1687
45 $120 .0000 .0004 .0027 .0075 .0150 .0379 .0706 .1124 .1626
46 $120 .0000 .0004 .0024 .0067 .0137 .0353 .0667 .1072 .1568
47 $120 .0000 .0003 .0021 .0060 .0124 .0327 .0628 .1022 .1512
48 $120 .0000 .0003 .0018 .0054 .0113 .0303 .0591 .0974 .1459
49 $120 .0000 .0002 .0016 .0048 .0102 .0280 .0555 .0928 .1408
50 $120 .0000 .0002 .0013 .0042 .0091 .0258 .0520 .0884 .1358
$250 .0000 .0002 .0014 .0042 .0092 .0260 .0522 .0877 .1317
51 $120 .0000 .0001 .0012 .0037 .0082 .0237 .0486 .0842 .1310
$250 .0000 .0001 .0012 .0037 .0082 .0238 .0488 .0829 .1258
52 $120 .0000 .0001 .0010 .0032 .0073 .0217 .0455 .0802 .1263
$250 .0000 .0001 .0010 .0033 .0073 .0218 .0454 .0783 .1199
53 $120 .0000 .0001 .0008 .0028 .0064 .0197 .0425 .0763 .1217
$250 .0000 .0001 .0008 .0028 .0065 .0199 .0422 .0737 .1142
54 $120 .0000 .0001 .0007 .0024 .0057 .0179 .0396 .0726 .1173
$250 .0000 .0001 .0007 .0024 .0057 .0180 .0391 .0693 .1085
55 $120 .0000 .0001 .0006 .0021 .0050 .0162 .0369 .0689 .1129
$250 .0000 .0001 .0006 .0021 .0050 .0163 .0361 .0649 .1031
56 $120 .0000 .0000 .0005 .0018 .0043 .0146 .0343 .0654 .1087
$250 .0000 .0000 .0005 .0018 .0043 .0146 .0331 .0607 .0977
57 $120 .0000 .0000 .0004 .0015 .0037 .0132 .0318 .0620 .1046
$250 .0000 .0000 .0004 .0015 .0038 .0131 .0303 .0566 .0926
58 $120 .0000 .0000 .0003 .0012 .0032 .0118 .0295 .0587 .1007
$250 .0000 .0000 .0003 .0012 .0032 .0116 .0277 .0527 .0876
$500 .0000 .0000 .0003 .0012 .0032 .0117 .0277 .0527 .0870
59 $120 .0000 .0000 .0002 .0010 .0027 .0105 .0273 .0555 .0968
$250 .0000 .0000 .0002 .0010 .0027 .0103 .0251 .0489 .0828
$500 .0000 .0000 .0002 .0010 .0027 .0103 .0252 .0488 .0819
60 $120 .0000 .0000 .0002 .0008 .0023 .0094 .0251 .0525 .0931
$250 .0000 .0000