WSR 16-24-014
PERMANENT RULES
DEPARTMENT OF
LABOR AND INDUSTRIES
[Filed November 29, 2016, 9:24 a.m., effective January 1, 2017]
Effective Date of Rule: January 1, 2017.
Purpose: This rule amends the tables of classification base premium rates, experience rating plan parameters, experience modification factor calculation limitations and retrospective rating plan size groupings for the workers' compensation insurance program for calendar year 2017. Classification base rates were amended for updated loss and payroll experience. The department is adopting a 0.7 percent overall average premium rate increase.
The rule also repeals WAC 296-17-86507 2007 Claim-free experience modification phase-in limitation, which is now obsolete.
This rule making also provides notice that as part of rebuilding the contingency reserves, the director is transferring the amount of the accident and medical-aid funds combined that exceed ten percent of funded liabilities as required by RCW 51.44.023.
The department's decision to increase overall rates is intended to ensure adequate premiums to cover expected losses for 2017 claims and to continue rebuilding the contingency reserves to adequate levels. Washington law provides that rates should be adjusted annually to reflect the hazards of each industry and in accordance with recognized workers' compensation insurance principles.
Citation of Existing Rules Affected by this Order: Amending WAC 296-17-855 Experience modification, 296-17-875 Table I, 296-17-880 Table II, 296-17-885 Table III, 296-17-890 Table IV, 296-17-895 Industrial insurance accident fund base rates, stay at work and medical aid base rates by class of industry, 296-17-89502 Industrial insurance accident fund, stay at work, medical aid and supplemental pension rates by class of industry for nonhourly rated classifications, 296-17-89507 Horse racing rates, 296-17-920 Assessment for supplemental pension fund, 296-17B-540 Determining loss incurred for each claim and 296-17B-900 Retrospective rating plans standard premium size ranges; and repealing WAC 296-17-86507 2007 Claim-free experience modification phase-in limitation.
Statutory Authority for Adoption: RCW 51.16.035 (base rates), 51.32.073 (supplemental pension), 51.18.010 (retrospective rating), and 51.04.020(1) (general authority).
Adopted under notice filed as WSR 16-19-071 on September 20, 2016.
Changes Other than Editing from Proposed to Adopted Version: Numbers for Classification 5001 Logging N.O.C. in WAC 296-17-885 Table III, expected loss rates and primary ratios were incorrect in the proposed rule and were corrected for the adoption. This correction was not a substantive change.
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 0, Amended 11, Repealed 1.
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 0, Amended 0, Repealed 0.
Date Adopted: November 29, 2016.
Joel Sacks
Director
AMENDATORY SECTION (Amending WSR 15-24-103, filed 12/1/15, effective 1/1/16)
WAC 296-17-855 Experience modification.
The basis of the experience modification shall be a comparison of the actual losses charged to an employer during the experience period with the expected losses for an average employer reporting the same exposures in each classification. The comparison shall contain actuarial refinements designed to weigh the extent to which the actual experience is credible, due consideration being given to the volume of the employer's experience. Except for those employers who qualify for an adjusted experience modification as specified in WAC 296-17-860 or 296-17-865, the experience modification factor shall be calculated from the formula:
EXPERIENCE
MODIFICATION
FACTOR
=
(Credible Actual Primary Loss + Credible Actual Excess Loss)/Expected Loss
Where
 
 
Credible Actual
Primary Loss
=
Actual Primary Loss x Primary Credibility
 
+
Expected Primary Loss x (100% - Primary Credibility)
Credible Actual
Excess Loss
=
Actual Excess Loss x Excess Credibility
 
+
Expected Excess Loss x (100% - Excess Credibility)
The meaning and function of each term in the formula is specified below.
For each claim, the actual primary loss is the first dollar portion of the claim costs, which has been shown in actuarial studies, to have the greater credibility in predicting future experience. These amounts are summed over all claims. For each claim in excess of $20,112 the actual primary loss shall be determined from the formula:
ACTUAL PRIMARY LOSS
=
50,280
x total loss
(Total loss + 30,168)
For each claim, less than $20,112 the full value of the claim shall be considered a primary loss.
For each claim, the excess actual loss is the remaining portion of the claim costs, which have been shown in actuarial studies to have less credibility in predicting future experience. The excess actual loss for each claim shall be determined by subtracting the primary loss from the total loss. These amounts are summed over all claims.
For any claim without disability benefits (time loss, partial permanent disability, total permanent disability or death) either actually paid or estimated to be paid, the total actual losses for calculating the primary loss and excess loss shall first be reduced by the lesser of $((2,760)) 2,820 or the total cost of the claim. Here are some examples for these claims:
Total Loss
Type of
Claim
Total Loss
(after deduction)
Primary Loss
Excess Loss
300
 
Medical Only
 
0
 
0
 
0
 
3,000
 
Medical Only
 
((240))
180
 
((240))
180
 
0
 
3,000
 
Time Loss
 
3,000
 
3,000
 
0
 
30,000
 
Medical Only
 
((27,240))
27,180
 
((23,858))
23,830
 
((3,382))
3,350
 
30,000
 
Time Loss
 
30,000
 
25,070
 
4,930
 
130,000
 
PPD
 
130,000
 
40,810
 
89,190
 
500,000
 
TPD Pension
 
((283,507))
275,499
 
((45,444))
45,318
 
((238,063))
230,181
 
2,000,000
 
TPD Pension
 
((283,507))
275,499
 
((45,444))
45,318
 
((238,063))
230,181
 
Note:
The deduction, $((2,760)) 2,820, is twice the average case incurred cost of these types of claims occurring during the three-year period used for experience rating. On average this results in reducing the average actual loss about seventy percent for these types of claims adjusted. This is done to help make the transition between the two different experience rating methods better by helping make the change in experience factor reasonable for small changes to the actual losses. ((The $2,000,000 loss is limited by the Maximum Claim Value before the reduction of $2,760 is applied.))
For each employer, the primary credibility and the excess credibility determines the percentage weight given to the corresponding actual primary losses and the actual excess losses, included in the calculation of the experience modification, based on the volume of expected losses. Primary credibility and excess credibility values are set forth in Table II.
An employer's expected losses shall be determined by summing the expected loss for each of the three years of the experience period, which are calculated by multiplying the reported exposure in each classification during the year by the corresponding classification expected loss rate and rounding the result to the nearest cent. Classification expected loss rates by year are set forth in Table III.
Expected losses in each classification shall be multiplied by the classification "Primary-Ratio" to obtain "expected primary losses" which shall be rounded to the nearest cent. Expected excess losses shall then be calculated by subtracting expected primary losses from expected total losses rounded to the nearest cent. Primary-Ratios are also set forth in Table III.
AMENDATORY SECTION (Amending WSR 15-24-103, filed 12/1/15, effective 1/1/16)
WAC 296-17-875 Table I.
Primary Losses for Selected Claim Values
Effective January 1, ((2016)) 2017
TOTAL LOSS AFTER
DEDUCTION
PRIMARY LOSS
 
5,000
 
5,000
 
 
10,000
 
10,000
 
 
15,000
 
15,000
 
 
20,112
 
20,112
 
 
29,834
 
25,000
 
 
44,627
 
30,000
 
 
69,102
 
35,000
 
 
100,000
 
38,627
 
 
117,385
 
40,000
 
 
200,000
 
43,690
 
 
((283,507
**
45,444))
 
 
275,499
**
45,318
 
**
Maximum claim value
AMENDATORY SECTION (Amending WSR 15-24-103, filed 12/1/15, effective 1/1/16)
WAC 296-17-880 Table II.
PRIMARY AND EXCESS CREDIBILITY VALUES
Effective January 1, ((2016)) 2017
Maximum Claim Value = $((283,507)) 275,499
Average Death Value = $((283,507)) 275,499
Expected Losses
Primary Credibility
Excess Credibility
((1
-
7,379
12%
 
7%
 
7,380
-
7,877
13%
 
7%
 
7,878
-
8,381
14%
 
7%
 
8,382
-
8,890
15%
 
7%
 
8,891
-
9,405
16%
 
7%
 
9,406
-
9,927
17%
 
7%
 
9,928
-
10,456
18%
 
7%
 
10,457
-
10,991
19%
 
7%
 
10,992
-
11,533
20%
 
7%
 
11,534
-
12,083
21%
 
7%
 
12,084
-
12,641
22%
 
7%
 
12,642
-
13,207
23%
 
7%
 
13,208
-
13,781
24%
 
7%
 
13,782
-
14,365
25%
 
7%
 
14,366
-
14,959
26%
 
7%
 
14,960
-
15,559
27%
 
7%
 
15,560
-
16,173
28%
 
7%
 
16,174
-
16,795
29%
 
7%
 
16,796
-
17,430
30%
 
7%
 
17,431
-
18,079
31%
 
7%
 
18,080
-
18,736
32%
 
7%
 
18,737
-
19,410
33%
 
7%
 
19,411
-
20,097
34%
 
7%
 
20,098
-
20,800
35%
 
7%
 
20,801
-
21,520
36%
 
7%
 
21,521
-
22,256
37%
 
7%
 
22,257
-
23,015
38%
 
7%
 
23,016
-
23,789
39%
 
7%
 
23,790
-
24,590
40%
 
7%
 
24,591
-
25,413
41%
 
7%
 
25,414
-
26,264
42%
 
7%
 
26,265
-
27,144
43%
 
7%
 
27,145
-
28,057
44%
 
7%
 
28,058
-
29,007
45%
 
7%
 
29,008
-
29,999
46%
 
7%
 
30,000
-
31,037
47%
 
7%
 
31,038
-
32,135
48%
 
7%
 
32,136
-
33,298
49%
 
7%
 
33,299
-
34,538
50%
 
7%
 
34,539
-
35,877
51%
 
7%
 
35,878
-
37,344
52%
 
7%
 
37,345
-
38,979
53%
 
7%
 
38,980
-
39,145
54%
 
7%
 
39,146
-
40,863
54%
 
8%
 
40,864
-
43,165
55%
 
8%
 
43,166
-
65,327
56%
 
8%
 
65,328
-
72,003
57%
 
8%
 
72,004
-
102,846
57%
 
9%
 
102,847
-
105,929
57%
 
10%
 
105,930
-
133,879
58%
 
10%
 
133,880
-
146,530
58%
 
11%
 
146,531
-
165,106
59%
 
11%
 
165,107
-
187,134
59%
 
12%
 
187,135
-
196,520
60%
 
12%
 
196,521
-
227,737
60%
 
13%
 
227,738
-
228,135
61%
 
13%
 
228,136
-
259,946
61%
 
14%
 
259,947
-
268,338
61%
 
15%
 
268,339
-
291,956
62%
 
15%
 
291,957
-
308,941
62%
 
16%
 
308,942
-
324,165
63%
 
16%
 
324,166
-
349,544
63%
 
17%
 
349,545
-
356,578
64%
 
17%
 
356,579
-
389,195
64%
 
18%
 
389,196
-
390,144
64%
 
19%
 
390,145
-
422,021
65%
 
19%
 
422,022
-
430,748
65%
 
20%
 
430,749
-
455,053
66%
 
20%
 
455,054
-
471,351
66%
 
21%
 
471,352
-
488,295
67%
 
21%
 
488,296
-
511,953
67%
 
22%
 
511,954
-
521,752
68%
 
22%
 
521,753
-
552,553
68%
 
23%
 
552,554
-
555,421
69%
 
23%
 
555,422
-
589,308
69%
 
24%
 
589,309
-
593,155
69%
 
25%
 
593,156
-
623,413
70%
 
25%
 
623,414
-
633,760
70%
 
26%
 
633,761
-
657,740
71%
 
26%
 
657,741
-
674,363
71%
 
27%
 
674,364
-
692,291
72%
 
27%
 
692,292
-
714,964
72%
 
28%
 
714,965
-
727,064
73%
 
28%
 
727,065
-
755,567
73%
 
29%
 
755,568
-
762,065
74%
 
29%
 
762,066
-
796,169
74%
 
30%
 
796,170
-
797,299
75%
 
30%
 
797,300
-
832,762
75%
 
31%
 
832,763
-
836,772
75%
 
32%
 
836,773
-
868,461
76%
 
32%
 
868,462
-
877,374
76%
 
33%
 
877,375
-
904,394
77%
 
33%
 
904,395
-
917,977
77%
 
34%
 
917,978
-
940,569
78%
 
34%
 
940,570
-
958,579
78%
 
35%
 
958,580
-
976,983
79%
 
35%
 
976,984
-
999,181
79%
 
36%
 
999,182
-
1,013,641
80%
 
36%
 
1,013,642
-
1,039,782
80%
 
37%
 
1,039,783
-
1,050,545
81%
 
37%
 
1,050,546
-
1,080,386
81%
 
38%
 
1,080,387
-
1,087,698
82%
 
38%
 
1,087,699
-
1,120,989
82%
 
39%
 
1,120,990
-
1,125,104
83%
 
39%
 
1,125,105
-
1,161,591
83%
 
40%
 
1,161,592
-
1,162,762
84%
 
40%
 
1,162,763
-
1,200,675
84%
 
41%
 
1,200,676
-
1,202,190
84%
 
42%
 
1,202,191
-
1,238,847
85%
 
42%
 
1,238,848
-
1,242,795
85%
 
43%
 
1,242,796
-
1,277,284
86%
 
43%
 
1,277,285
-
1,283,399
86%
 
44%
 
1,283,400
-
1,315,982
87%
 
44%
 
1,315,983
-
1,324,000
87%
 
45%
 
1,324,001
-
1,354,949
88%
 
45%
 
1,354,950
-
1,364,603
88%
 
46%
 
1,364,604
-
1,394,184
89%
 
46%
 
1,394,185
-
1,405,204
89%
 
47%
 
1,405,205
-
1,433,695
90%
 
47%
 
1,433,696
-
1,445,808
90%
 
48%
 
1,445,809
-
1,473,478
91%
 
48%
 
1,473,479
-
1,486,409
91%
 
49%
 
1,486,410
-
1,513,540
92%
 
49%
 
1,513,541
-
1,527,013
92%
 
50%
 
1,527,014
-
1,553,885
93%
 
50%
 
1,553,886
-
1,567,614
93%
 
51%
 
1,567,615
-
1,594,514
94%
 
51%
 
1,594,515
-
1,608,216
94%
 
52%
 
1,608,217
-
1,635,430
95%
 
52%
 
1,635,431
-
1,648,818
95%
 
53%
 
1,648,819
-
1,676,635
96%
 
53%
 
1,676,636
-
1,689,421
96%
 
54%
 
1,689,422
-
1,718,135
97%
 
54%
 
1,718,136
-
1,730,023
97%
 
55%
 
1,730,024
-
1,759,929
98%
 
55%
 
1,759,930
-
1,770,626
98%
 
56%
 
1,770,627
-
1,802,026
99%
 
56%
 
1,802,027
-
1,811,227
99%
 
57%
 
1,811,228
-
1,844,425
100%
 
57%
 
1,844,426
-
1,887,131
100%
 
58%
 
1,887,132
-
1,930,145
100%
 
59%
 
1,930,146
-
1,973,473
100%
 
60%
 
1,973,474
-
2,017,117
100%
 
61%
 
2,017,118
-
2,061,081
100%
 
62%
 
2,061,082
-
2,105,369
100%
 
63%
 
2,105,370
-
2,149,983
100%
 
64%
 
2,149,984
-
2,194,928
100%
 
65%
 
2,194,929
-
2,240,208
100%
 
66%
 
2,240,209
-
2,285,826
100%
 
67%
 
2,285,827
-
2,331,786
100%
 
68%
 
2,331,787
-
2,378,092
100%
 
69%
 
2,378,093
-
2,424,747
100%
 
70%
 
2,424,748
-
2,471,757
100%
 
71%
 
2,471,758
-
2,519,125
100%
 
72%
 
2,519,126
-
2,566,853
100%
 
73%
 
2,566,854
-
2,614,948
100%
 
74%
 
2,614,949
-
2,663,410
100%
 
75%
 
2,663,411
-
2,712,251
100%
 
76%
 
2,712,252
-
2,761,467
100%
 
77%
 
2,761,468
-
2,811,069
100%
 
78%
 
2,811,070
-
2,861,058
100%
 
79%
 
2,861,059
-
2,911,440
100%
 
80%
 
2,911,441
-
2,962,220
100%
 
81%
 
2,962,221
-
3,013,399
100%
 
82%
 
3,013,400
-
3,064,986
100%
 
83%
 
3,064,987
-
3,116,982
100%
 
84%
 
3,116,983
-
3,169,398
100%
 
85%
 
3,169,399
and higher
 
 
86%))
 
1
-
6,899
12%
 
7%
 
6,900
-
7,365
13%
 
7%
 
7,366
-
7,836
14%
 
7%
 
7,837
-
8,312
15%
 
7%
 
8,313
-
8,794
16%
 
7%
 
8,795
-
9,282
17%
 
7%
 
9,283
-
9,776
18%
 
7%
 
9,777
-
10,277
19%
 
7%
 
10,278
-
10,783
20%
 
7%
 
10,784
-
11,298
21%
 
7%
 
11,299
-
11,819
22%
 
7%
 
11,820
-
12,348
23%
 
7%
 
12,349
-
12,885
24%
 
7%
 
12,886
-
13,431
25%
 
7%
 
13,432
-
13,987
26%
 
7%
 
13,988
-
14,548
27%
 
7%
 
14,549
-
15,122
28%
 
7%
 
15,123
-
15,703
29%
 
7%
 
15,704
-
16,297
30%
 
7%
 
16,298
-
16,904
31%
 
7%
 
16,905
-
17,518
32%
 
7%
 
17,519
-
18,148
33%
 
7%
 
18,149
-
18,791
34%
 
7%
 
18,792
-
19,448
35%
 
7%
 
19,449
-
20,121
36%
 
7%
 
20,122
-
20,809
37%
 
7%
 
20,810
-
21,519
38%
 
7%
 
21,520
-
22,243
39%
 
7%
 
22,244
-
22,992
40%
 
7%
 
22,993
-
23,761
41%
 
7%
 
23,762
-
24,557
42%
 
7%
 
24,558
-
25,380
43%
 
7%
 
25,381
-
26,233
44%
 
7%
 
26,234
-
27,121
45%
 
7%
 
27,122
-
28,049
46%
 
7%
 
28,050
-
29,020
47%
 
7%
 
29,021
-
30,046
48%
 
7%
 
30,047
-
31,134
49%
 
7%
 
31,135
-
32,293
50%
 
7%
 
32,294
-
33,545
51%
 
7%
 
33,546
-
34,917
52%
 
7%
 
34,918
-
36,445
53%
 
7%
 
36,446
-
36,601
54%
 
7%
 
36,602
-
38,207
54%
 
8%
 
38,208
-
40,359
55%
 
8%
 
40,360
-
61,081
56%
 
8%
 
61,082
-
67,323
57%
 
8%
 
67,324
-
96,161
57%
 
9%
 
96,162
-
99,044
57%
 
10%
 
99,045
-
125,177
58%
 
10%
 
125,178
-
137,005
58%
 
11%
 
137,006
-
154,374
59%
 
11%
 
154,375
-
174,970
59%
 
12%
 
174,971
-
183,746
60%
 
12%
 
183,747
-
212,934
60%
 
13%
 
212,935
-
213,306
61%
 
13%
 
213,307
-
243,049
61%
 
14%
 
243,050
-
250,896
61%
 
15%
 
250,897
-
272,979
62%
 
15%
 
272,980
-
288,860
62%
 
16%
 
288,861
-
303,094
63%
 
16%
 
303,095
-
326,824
63%
 
17%
 
326,825
-
333,400
64%
 
17%
 
333,401
-
363,897
64%
 
18%
 
363,898
-
364,785
64%
 
19%
 
364,786
-
394,590
65%
 
19%
 
394,591
-
402,749
65%
 
20%
 
402,750
-
425,474
66%
 
20%
 
425,475
-
440,713
66%
 
21%
 
440,714
-
456,556
67%
 
21%
 
456,557
-
478,676
67%
 
22%
 
478,677
-
487,838
68%
 
22%
 
487,839
-
516,637
68%
 
23%
 
516,638
-
519,319
69%
 
23%
 
519,320
-
551,003
69%
 
24%
 
551,004
-
554,600
69%
 
25%
 
554,601
-
582,891
70%
 
25%
 
582,892
-
592,566
70%
 
26%
 
592,567
-
614,987
71%
 
26%
 
614,988
-
630,529
71%
 
27%
 
630,530
-
647,292
72%
 
27%
 
647,293
-
668,491
72%
 
28%
 
668,492
-
679,805
73%
 
28%
 
679,806
-
706,455
73%
 
29%
 
706,456
-
712,531
74%
 
29%
 
712,532
-
744,418
74%
 
30%
 
744,419
-
745,475
75%
 
30%
 
745,476
-
778,632
75%
 
31%
 
778,633
-
782,382
75%
 
32%
 
782,383
-
812,011
76%
 
32%
 
812,012
-
820,345
76%
 
33%
 
820,346
-
845,608
77%
 
33%
 
845,609
-
858,308
77%
 
34%
 
858,309
-
879,432
78%
 
34%
 
879,433
-
896,271
78%
 
35%
 
896,272
-
913,479
79%
 
35%
 
913,480
-
934,234
79%
 
36%
 
934,235
-
947,754
80%
 
36%
 
947,755
-
972,196
80%
 
37%
 
972,197
-
982,260
81%
 
37%
 
982,261
-
1,010,161
81%
 
38%
 
1,010,162
-
1,016,998
82%
 
38%
 
1,016,999
-
1,048,125
82%
 
39%
 
1,048,126
-
1,051,972
83%
 
39%
 
1,051,973
-
1,086,088
83%
 
40%
 
1,086,089
-
1,087,182
84%
 
40%
 
1,087,183
-
1,122,631
84%
 
41%
 
1,122,632
-
1,124,048
84%
 
42%
 
1,124,049
-
1,158,322
85%
 
42%
 
1,158,323
-
1,162,013
85%
 
43%
 
1,162,014
-
1,194,260
86%
 
43%
 
1,194,261
-
1,199,978
86%
 
44%
 
1,199,979
-
1,230,443
87%
 
44%
 
1,230,444
-
1,237,940
87%
 
45%
 
1,237,941
-
1,266,877
88%
 
45%
 
1,266,878
-
1,275,904
88%
 
46%
 
1,275,905
-
1,303,562
89%
 
46%
 
1,303,563
-
1,313,866
89%
 
47%
 
1,313,867
-
1,340,505
90%
 
47%
 
1,340,506
-
1,351,830
90%
 
48%
 
1,351,831
-
1,377,702
91%
 
48%
 
1,377,703
-
1,389,792
91%
 
49%
 
1,389,793
-
1,415,160
92%
 
49%
 
1,415,161
-
1,427,757
92%
 
50%
 
1,427,758
-
1,452,882
93%
 
50%
 
1,452,883
-
1,465,719
93%
 
51%
 
1,465,720
-
1,490,871
94%
 
51%
 
1,490,872
-
1,503,682
94%
 
52%
 
1,503,683
-
1,529,127
95%
 
52%
 
1,529,128
-
1,541,645
95%
 
53%
 
1,541,646
-
1,567,654
96%
 
53%
 
1,567,655
-
1,579,609
96%
 
54%
 
1,579,610
-
1,606,456
97%
 
54%
 
1,606,457
-
1,617,571
97%
 
55%
 
1,617,572
-
1,645,534
98%
 
55%
 
1,645,535
-
1,655,535
98%
 
56%
 
1,655,536
-
1,684,894
99%
 
56%
 
1,684,895
-
1,693,497
99%
 
57%
 
1,693,498
-
1,724,537
100%
 
57%
 
1,724,538
-
1,764,467
100%
 
58%
 
1,764,468
-
1,804,686
100%
 
59%
 
1,804,687
-
1,845,197
100%
 
60%
 
1,845,198
-
1,886,004
100%
 
61%
 
1,886,005
-
1,927,111
100%
 
62%
 
1,927,112
-
1,968,520
100%
 
63%
 
1,968,521
-
2,010,234
100%
 
64%
 
2,010,235
-
2,052,258
100%
 
65%
 
2,052,259
-
2,094,594
100%
 
66%
 
2,094,595
-
2,137,247
100%
 
67%
 
2,137,248
-
2,180,220
100%
 
68%
 
2,180,221
-
2,223,516
100%
 
69%
 
2,223,517
-
2,267,138
100%
 
70%
 
2,267,139
-
2,311,093
100%
 
71%
 
2,311,094
-
2,355,382
100%
 
72%
 
2,355,383
-
2,400,007
100%
 
73%
 
2,400,008
-
2,444,976
100%
 
74%
 
2,444,977
-
2,490,288
100%
 
75%
 
2,490,289
-
2,535,955
100%
 
76%
 
2,535,956
-
2,581,972
100%
 
77%
 
2,581,973
-
2,628,349
100%
 
78%
 
2,628,350
-
2,675,089
100%
 
79%
 
2,675,090
-
2,722,196
100%
 
80%
 
2,722,197
-
2,769,676
100%
 
81%
 
2,769,677
-
2,817,528
100%
 
82%
 
2,817,529
-
2,865,762
100%
 
83%
 
2,865,763
-
2,914,378
100%
 
84%
 
2,914,379
-
2,963,387
100%
 
85%
 
2,963,388
and higher
 
 
86%
 
AMENDATORY SECTION (Amending WSR 15-24-103, filed 12/1/15, effective 1/1/16)
WAC 296-17-885 Table III.
Expected Loss Rates and Primary Ratios
by Risk Classification and Fiscal Year
Expected Loss Rates in Dollars Per Worker Hour
Effective January 1, ((2016)) 2017
((Class
 
2012
2013
2014
Primary Ratio
0101
1.2076
1.0574
0.8790
0.402
0103
1.5737
1.3849
1.1574
0.416
0104
1.0254
0.8982
0.7442
0.427
0105
1.3729
1.2027
0.9833
0.527
0106
1.8483
1.6195
1.3317
0.494
0107
0.9557
0.8382
0.6958
0.429
0108
1.0254
0.8982
0.7442
0.427
0112
0.8008
0.7026
0.5823
0.442
0201
1.5154
1.3204
1.0857
0.420
0202
3.0439
2.6681
2.2172
0.402
0210
0.9575
0.8381
0.6949
0.407
0212
1.3122
1.1508
0.9568
0.420
0214
1.3573
1.1857
0.9761
0.453
0217
1.3836
1.2131
1.0058
0.437
0219
0.9607
0.8405
0.6956
0.426
0301
0.8549
0.7545
0.6264
0.504
0302
2.2548
1.9679
1.6290
0.399
0303
1.8221
1.5983
1.3325
0.401
0306
0.9433
0.8231
0.6759
0.452
0307
0.9168
0.8021
0.6608
0.457
0308
0.6313
0.5593
0.4662
0.516
0403
1.7586
1.5424
1.2757
0.458
0502
1.3185
1.1521
0.9502
0.437
0504
1.8701
1.6531
1.3902
0.415
0507
3.2914
2.9137
2.4518
0.425
0508
1.5506
1.3516
1.1165
0.397
0509
1.0804
0.9442
0.7817
0.413
0510
2.2461
1.9784
1.6506
0.439
0511
1.5935
1.3924
1.1443
0.467
0512
1.2157
1.0682
0.8866
0.457
0513
0.9009
0.7886
0.6509
0.451
0514
1.6433
1.4369
1.1773
0.496
0516
1.4403
1.2630
1.0476
0.433
0517
2.1880
1.9315
1.6249
0.397
0518
1.2791
1.1180
0.9262
0.407
0519
1.6137
1.4114
1.1600
0.479
0521
0.5222
0.4593
0.3811
0.472
0601
0.5162
0.4520
0.3719
0.477
0602
0.6825
0.5937
0.4874
0.426
0603
0.6977
0.6104
0.5051
0.426
0604
1.1138
0.9852
0.8251
0.461
0606
0.6164
0.5403
0.4410
0.551
0607
0.7681
0.6750
0.5590
0.476
0608
0.3281
0.2876
0.2367
0.484
0701
1.5507
1.3384
1.0874
0.408
0803
0.5580
0.4881
0.3977
0.543
0901
1.2791
1.1180
0.9262
0.407
1002
0.8938
0.7854
0.6498
0.483
1003
0.7470
0.6554
0.5401
0.488
1004
0.4798
0.4177
0.3389
0.496
1005
8.2912
7.2351
5.9463
0.435
1006
0.1401
0.1226
0.0997
0.569
1007
0.2968
0.2589
0.2121
0.470
1101
0.8378
0.7335
0.6016
0.506
1102
1.4425
1.2596
1.0352
0.457
1103
1.1773
1.0319
0.8522
0.467
1104
0.6864
0.6038
0.4968
0.532
1105
0.8136
0.7152
0.5935
0.462
1106
0.2998
0.2663
0.2231
0.500
1108
0.5592
0.4928
0.4084
0.499
1109
1.4827
1.3039
1.0761
0.507
1301
0.5504
0.4774
0.3836
0.548
1303
0.2599
0.2270
0.1838
0.569
1304
0.0272
0.0238
0.0196
0.514
1305
0.4823
0.4237
0.3494
0.504
1401
0.2550
0.2272
0.1920
0.457
1404
0.8331
0.7339
0.6065
0.528
1405
0.8611
0.7533
0.6129
0.557
1407
0.5772
0.5083
0.4193
0.534
1501
0.6712
0.5873
0.4801
0.525
1507
0.6144
0.5402
0.4455
0.510
1701
0.7548
0.6579
0.5352
0.507
1702
1.5331
1.3399
1.1167
0.360
1703
0.9073
0.7881
0.6468
0.409
1704
0.7548
0.6579
0.5352
0.507
1801
0.4379
0.3856
0.3210
0.454
1802
0.7352
0.6439
0.5272
0.498
2002
0.8560
0.7536
0.6253
0.478
2004
0.6586
0.5798
0.4776
0.527
2007
0.7167
0.6348
0.5311
0.483
2008
0.3746
0.3307
0.2750
0.494
2009
0.3447
0.3045
0.2513
0.561
2101
0.6861
0.6089
0.5106
0.488
2102
0.6985
0.6131
0.5030
0.535
2104
0.3362
0.3002
0.2509
0.582
2105
0.6670
0.5864
0.4827
0.523
2106
0.4604
0.4079
0.3405
0.493
2201
0.2756
0.2436
0.2020
0.541
2202
0.7481
0.6566
0.5404
0.509
2203
0.5075
0.4485
0.3710
0.543
2204
0.2756
0.2436
0.2020
0.541
2401
0.4089
0.3569
0.2910
0.512
2903
0.7261
0.6420
0.5336
0.511
2904
0.6977
0.6121
0.5035
0.511
2905
0.5905
0.5208
0.4312
0.515
2906
0.3900
0.3459
0.2887
0.509
2907
0.5077
0.4466
0.3668
0.547
2908
1.1170
0.9883
0.8232
0.491
2909
0.4170
0.3679
0.3036
0.535
3101
0.7628
0.6700
0.5512
0.518
3102
0.2710
0.2384
0.1970
0.493
3103
0.4880
0.4298
0.3571
0.467
3104
0.6754
0.5928
0.4885
0.501
3105
0.7597
0.6693
0.5518
0.532
3303
0.4159
0.3657
0.3012
0.517
3304
0.5804
0.5150
0.4295
0.539
3309
0.4246
0.3746
0.3113
0.497
3402
0.4714
0.4145
0.3422
0.500
3403
0.1912
0.1684
0.1396
0.496
3404
0.4850
0.4273
0.3522
0.533
3405
0.2944
0.2588
0.2126
0.537
3406
0.2889
0.2546
0.2090
0.581
3407
0.7142
0.6240
0.5117
0.484
3408
0.2391
0.2090
0.1683
0.616
3409
0.1647
0.1451
0.1188
0.603
3410
0.1999
0.1767
0.1459
0.576
3411
0.4868
0.4269
0.3515
0.496
3412
0.6006
0.5253
0.4323
0.465
3414
0.7436
0.6551
0.5443
0.472
3415
0.7906
0.6970
0.5838
0.416
3501
1.0681
0.9378
0.7724
0.500
3503
0.3248
0.2882
0.2395
0.540
3506
0.8600
0.7488
0.6072
0.529
3509
0.4242
0.3737
0.3067
0.584
3510
0.3493
0.3081
0.2539
0.551
3511
0.6756
0.5944
0.4895
0.519
3512
0.3793
0.3345
0.2754
0.547
3513
0.6193
0.5487
0.4572
0.513
3602
0.0971
0.0857
0.0709
0.528
3603
0.5320
0.4701
0.3895
0.528
3604
0.7011
0.6243
0.5262
0.470
3605
0.5446
0.4770
0.3905
0.519
3701
0.2710
0.2384
0.1970
0.493
3702
0.4754
0.4179
0.3429
0.545
3708
0.6941
0.6094
0.5004
0.530
3802
0.2346
0.2073
0.1716
0.544
3808
0.4125
0.3618
0.2986
0.476
3901
0.1505
0.1338
0.1110
0.602
3902
0.4578
0.4049
0.3349
0.554
3903
1.1607
1.0316
0.8650
0.507
3905
0.1461
0.1300
0.1079
0.583
3906
0.4946
0.4379
0.3636
0.536
3909
0.3340
0.2962
0.2465
0.539
4101
0.3285
0.2886
0.2375
0.513
4103
0.5629
0.4953
0.4074
0.540
4107
0.1851
0.1631
0.1346
0.527
4108
0.1837
0.1620
0.1339
0.548
4109
0.2055
0.1813
0.1502
0.521
4201
0.6709
0.5838
0.4748
0.508
4301
0.7700
0.6792
0.5593
0.561
4302
0.8798
0.7749
0.6381
0.549
4304
0.9764
0.8672
0.7252
0.512
4305
1.2296
1.0691
0.8660
0.522
4401
0.4396
0.3900
0.3264
0.490
4402
0.7739
0.6783
0.5525
0.578
4404
0.4923
0.4352
0.3622
0.488
4501
0.1856
0.1635
0.1338
0.589
4502
0.0530
0.0467
0.0385
0.534
4504
0.1137
0.1006
0.0830
0.578
4802
0.3406
0.3020
0.2513
0.533
4803
0.3538
0.3153
0.2632
0.584
4804
0.5402
0.4795
0.3991
0.564
4805
0.3881
0.3434
0.2848
0.550
4806
0.0871
0.0776
0.0648
0.583
4808
0.4650
0.4105
0.3406
0.504
4809
0.3526
0.3130
0.2604
0.550
4810
0.1979
0.1760
0.1462
0.597
4811
0.3901
0.3475
0.2904
0.549
4812
0.4065
0.3599
0.2983
0.546
4813
0.1995
0.1774
0.1478
0.561
4814
0.1422
0.1277
0.1080
0.571
4815
0.2893
0.2607
0.2213
0.584
4816
0.4080
0.3668
0.3121
0.523
4900
0.1689
0.1479
0.1229
0.421
4901
0.0473
0.0414
0.0338
0.491
4902
0.1229
0.1080
0.0885
0.553
4903
0.1797
0.1577
0.1286
0.586
4904
0.0217
0.0191
0.0158
0.557
4905
0.4504
0.4014
0.3355
0.573
4906
0.1127
0.0987
0.0804
0.559
4907
0.0646
0.0573
0.0476
0.568
4908
0.1023
0.0904
0.0736
0.585
4909
0.0401
0.0358
0.0296
0.508
4910
0.4537
0.3993
0.3294
0.519
4911
0.0684
0.0601
0.0496
0.494
5001
7.7450
6.7925
5.6705
0.378
5002
0.6235
0.5456
0.4451
0.539
5003
1.9792
1.7249
1.4189
0.428
5004
0.8018
0.7109
0.5981
0.450
5005
0.7739
0.6804
0.5664
0.427
5006
1.3549
1.1879
0.9922
0.374
5101
0.9594
0.8407
0.6946
0.447
5103
0.7903
0.6997
0.5806
0.532
5106
0.7903
0.6997
0.5806
0.532
5108
0.8067
0.7126
0.5914
0.520
5109
0.6158
0.5369
0.4381
0.492
5201
0.3517
0.3072
0.2492
0.554
5204
1.0078
0.8847
0.7340
0.450
5206
0.4070
0.3573
0.2956
0.472
5207
0.1656
0.1471
0.1224
0.556
5208
0.7485
0.6587
0.5437
0.503
5209
0.6582
0.5799
0.4822
0.466
5300
0.1102
0.0967
0.0786
0.602
5301
0.0351
0.0309
0.0254
0.542
5302
0.0115
0.0100
0.0082
0.541
5305
0.0548
0.0485
0.0401
0.576
5306
0.0465
0.0410
0.0335
0.584
5307
0.7382
0.6448
0.5267
0.514
5308
0.1003
0.0882
0.0722
0.577
6103
0.0978
0.0868
0.0716
0.602
6104
0.4909
0.4314
0.3548
0.529
6105
0.3921
0.3442
0.2834
0.514
6107
0.1340
0.1195
0.0992
0.590
6108
0.4019
0.3559
0.2941
0.569
6109
0.1077
0.0944
0.0773
0.541
6110
0.6097
0.5373
0.4437
0.527
6120
0.3235
0.2829
0.2305
0.540
6121
0.3557
0.3131
0.2598
0.485
6201
0.3045
0.2685
0.2235
0.473
6202
0.7149
0.6285
0.5178
0.509
6203
0.1222
0.1090
0.0906
0.620
6204
0.1391
0.1232
0.1021
0.564
6205
0.2191
0.1942
0.1613
0.538
6206
0.2156
0.1907
0.1575
0.562
6207
1.3887
1.2323
1.0309
0.504
6208
0.2676
0.2374
0.1965
0.573
6209
0.3085
0.2739
0.2284
0.529
6301
0.1267
0.1108
0.0909
0.490
6303
0.0700
0.0615
0.0505
0.530
6304
0.3074
0.2727
0.2258
0.571
6305
0.1112
0.0984
0.0809
0.606
6306
0.3423
0.3012
0.2482
0.529
6308
0.0652
0.0573
0.0472
0.519
6309
0.2035
0.1797
0.1485
0.542
6402
0.2931
0.2587
0.2127
0.582
6403
0.1859
0.1645
0.1355
0.587
6404
0.2982
0.2645
0.2194
0.572
6405
0.5123
0.4498
0.3698
0.521
6406
0.1263
0.1118
0.0923
0.589
6407
0.2599
0.2299
0.1902
0.562
6408
0.5226
0.4618
0.3846
0.491
6409
0.6650
0.5839
0.4820
0.487
6410
0.3226
0.2829
0.2314
0.542
6501
0.1375
0.1207
0.0984
0.589
6502
0.0326
0.0289
0.0239
0.536
6503
0.0721
0.0631
0.0514
0.535
6504
0.3556
0.3157
0.2612
0.593
6505
0.1523
0.1351
0.1108
0.648
6506
0.1272
0.1124
0.0927
0.566
6509
0.3258
0.2892
0.2395
0.574
6510
0.4495
0.3945
0.3274
0.440
6511
0.4010
0.3542
0.2924
0.559
6512
0.1137
0.1001
0.0828
0.493
6601
0.2187
0.1930
0.1600
0.518
6602
0.6023
0.5348
0.4470
0.526
6603
0.2957
0.2598
0.2138
0.519
6604
0.0913
0.0806
0.0661
0.582
6605
0.2983
0.2615
0.2128
0.559
6607
0.1451
0.1283
0.1066
0.519
6608
0.5937
0.5175
0.4272
0.405
6620
3.2769
2.8476
2.2823
0.586
6704
0.1252
0.1102
0.0900
0.583
6705
0.8465
0.7525
0.6241
0.609
6706
0.3014
0.2682
0.2249
0.525
6707
7.1875
6.3348
5.1392
0.682
6708
9.1145
8.2345
7.0836
0.452
6709
0.2764
0.2447
0.2030
0.539
6801
0.7999
0.6949
0.5604
0.545
6802
0.6842
0.6032
0.4962
0.570
6803
0.6323
0.5531
0.4621
0.348
6804
0.3069
0.2716
0.2247
0.543
6809
5.8524
5.1801
4.2393
0.600
6901
0.0212
0.0202
0.0171
0.775
6902
0.8889
0.7786
0.6462
0.420
6903
6.5538
5.7938
4.9227
0.339
6904
0.8407
0.7295
0.5886
0.524
6905
0.5968
0.5189
0.4175
0.569
6906
0.2332
0.2193
0.1962
0.660
6907
1.1709
1.0305
0.8490
0.533
6908
0.3931
0.3461
0.2856
0.529
6909
0.1214
0.1071
0.0883
0.532
7100
0.0333
0.0296
0.0249
0.466
7101
0.0254
0.0222
0.0184
0.457
7103
0.8062
0.7024
0.5694
0.537
7104
0.0322
0.0284
0.0234
0.570
7105
0.0211
0.0186
0.0153
0.533
7106
0.2808
0.2481
0.2041
0.610
7107
0.2786
0.2483
0.2073
0.569
7108
0.1928
0.1709
0.1418
0.563
7109
0.1398
0.1235
0.1019
0.574
7110
0.3316
0.2919
0.2433
0.442
7111
0.4520
0.3944
0.3237
0.459
7112
0.8147
0.7193
0.5923
0.573
7113
0.4354
0.3855
0.3194
0.565
7114
0.7858
0.6959
0.5741
0.599
7115
0.5206
0.4615
0.3832
0.561
7116
0.6161
0.5439
0.4515
0.506
7117
1.1903
1.0487
0.8605
0.565
7118
1.7771
1.5701
1.3036
0.518
7119
1.5853
1.3855
1.1226
0.579
7120
6.2901
5.5445
4.5972
0.499
7121
5.8042
5.1131
4.2298
0.504
7122
0.3885
0.3428
0.2832
0.535
7200
1.8289
1.5928
1.2955
0.511
7201
1.8108
1.5815
1.2926
0.508
7202
0.0301
0.0264
0.0217
0.532
7203
0.1242
0.1111
0.0921
0.614
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.4855
0.4301
0.3580
0.516
7302
0.9636
0.8535
0.7140
0.481
7307
0.4682
0.4145
0.3442
0.533
7308
0.3337
0.2964
0.2464
0.548
7309
0.2901
0.2570
0.2121
0.595
7400
2.1033
1.8317
1.4897
0.511))
Class
2013
2014
2015
Primary
Ratio
0101
1.0963
0.9687
0.8136
0.419
0103
1.5062
1.3414
1.1348
0.426
0104
1.0132
0.8950
0.7482
0.435
0105
1.1522
1.0064
0.8127
0.525
0106
1.8362
1.6120
1.3214
0.489
0107
0.9217
0.8138
0.6816
0.434
0108
1.0132
0.8950
0.7482
0.435
0112
0.7410
0.6557
0.5482
0.444
0201
1.4002
1.2321
1.0269
0.431
0202
2.4473
2.1772
1.8464
0.400
0210
0.8307
0.7363
0.6213
0.412
0212
1.2315
1.0878
0.9106
0.430
0214
1.2513
1.0988
0.9100
0.451
0217
1.3272
1.1709
0.9748
0.448
0219
0.8568
0.7580
0.6380
0.418
0301
0.7788
0.6885
0.5688
0.498
0302
2.1576
1.8975
1.5866
0.415
0303
1.8107
1.6063
1.3586
0.410
0306
0.8524
0.7453
0.6125
0.465
0307
0.8484
0.7442
0.6122
0.472
0308
0.6078
0.5352
0.4368
0.529
0403
1.7801
1.5603
1.2786
0.485
0502
1.2001
1.0526
0.8683
0.458
0504
1.9317
1.7266
1.4689
0.418
0507
2.9910
2.6698
2.2539
0.443
0508
1.3142
1.1630
0.9805
0.401
0509
0.9226
0.8150
0.6869
0.409
0510