WSR 24-19-072
PROPOSED RULES
DEPARTMENT OF
LABOR AND INDUSTRIES
[Filed September 17, 2024, 8:20 a.m.]
Original Notice.
Preproposal statement of inquiry was filed as WSR 24-13-090.
Title of Rule and Other Identifying Information: 2025 Industrial Insurance Premium Rates. Chapter 296-17 WAC, General reporting rules, audit and recordkeeping, rates and rating system for Washington workers' compensation insurance; and chapter 296-17B WAC, Retrospective rating for workers' compensation insurance.
Hearing Location(s): On October 28, 2024, at 10 a.m., at the Department of Labor and Industries (L&I) Headquarters, Rooms S117, S118, S119, 7273 Linderson Way S.W., Tumwater, WA 98501; or join electronically https://lni-wa-gov.zoom.us/j/4283482697?omn=81289237905, Meeting ID 428 348 2697; or join by phone (audio only) 253-215-8782 US (Tacoma), Meeting ID 428 348 2697. The in-person and virtual/telephonic hearing starts at 10:00 a.m. and will continue until all oral comments are received.
On October 29, 2024, at 10 a.m., at the CenterPlace Event Center, Meeting Room, 2426 Discover Place, Spokane Valley, WA 99216. The in-person hearing starts at 10:00 a.m. and will continue until all oral comments are received.
Date of Intended Adoption: November 26, 2024.
Submit Written Comments to: Jo Anne Attwood, L&I, Insurance Services/Employer Services, P.O. Box 44148, Olympia, WA 98504-4148, email JoAnne.Attwood@Lni.wa.gov, fax 360-902-4988, beginning September 18, 2024, at 8 a.m., by October 30, 2024, at 5 p.m.
Assistance for Persons with Disabilities: Contact Jo Anne Attwood, phone 360-902-4777, fax 360-902-4988, by October 24, 2024.
Purpose of the Proposal and Its Anticipated Effects, Including Any Changes in Existing Rules: The proposed rule amends the tables of classification base premium rates, experience rating plan parameters, and experience modification factor calculation limitations for the workers' compensation insurance program for calendar year 2025. Classification base rates were updated to align with expected losses. L&I proposes a 3.8 percent overall average premium rate change.
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, 296-17-89508 Farm internship program industrial insurance, accident fund, stay at work fund, medical aid fund, and supplemental pension by class, 296-17-901 Risk classification hazard group table, 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.
Reasons Supporting Proposal: 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.
L&I is proposing an overall average rate increase of 3.8 percent to ensure premiums to cover most of the expected costs of 2025 workers' compensation claims. This modest increase is below the indicated break-even rate and consistent with our rate-making principle of keeping rates steady and predictable. This rate increase is required to partially account for four consecutive years of higher-than-normal increases in the state's average wage. In addition, the increase enables us to begin gradually increasing our working capital in the supplemental pension fund, which pays for annual cost of living adjustments (COLAs) for pensions. L&I is able to minimize the increase for this upcoming year thanks to previous investment earnings that benefit the workers' compensation contingency reserve (surplus).
The proposed rule is also notice that the director intends to transfer the amount of the accident and medical-aid funds combined that exceed 10 percent of funded liabilities as required by RCW 51.44.023.
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).
Statute Being Implemented: RCW 51.16.035, 51.32.073, and 51.18.010.
Rule is not necessitated by federal law, federal or state court decision.
Name of Proponent: L&I, governmental.
Name of Agency Personnel Responsible for Drafting: Jo Anne Attwood, Tumwater, 360-902-4777; Implementation: Michelle O'Brien, Tumwater, 360-902-4826; and Enforcement: Brenda Heilman, Tumwater, 360-902-6369.
A school district fiscal impact statement is not required under RCW 28A.305.135.
A cost-benefit analysis is not required under RCW 34.05.328. A cost-benefit analysis is not required per RCW 34.05.328 (5)(b)(vi), as the proposed rules are adjusting rates pursuant to legislative standards.
This rule proposal, or portions of the proposal, is exempt from requirements of the Regulatory Fairness Act because the proposal:
Is exempt under RCW 19.85.025(3) as the rule content is explicitly and specifically dictated by statute; and rules set or adjust fees under the authority of RCW 19.02.075 or that set or adjust fees or rates pursuant to legislative standards, including fees set or adjusted under the authority of RCW 19.80.045.
Scope of exemption for rule proposal:
Is fully exempt.
September 17, 2024
Joel Sacks
Director
OTS-5833.2
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-855Experience 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 (($25,170))$25,750 the actual primary loss shall be determined from the formula:
Primary Loss
=
((62,920))64,380
x Total Loss
(Total Loss + ((37,750))38,630)
For each claim, less than (($25,170))$25,750 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 (($3,670))$3,930 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
((2,000
 
Medical Only
0
 
0
 
0
 
5,000
 
Medical Only
1,330
 
1,330
 
0
 
5,000
 
Timeloss
5,000
 
5,000
 
0
 
30,000
 
Medical Only
26,330
 
25,853
 
477
 
30,000
 
Timeloss
30,000
 
27,861
 
2,139
 
90,000
 
PPD
90,000
 
44,327
 
45,673
 
150,000
 
PPD
150,000
 
50,269
 
99,731
 
500,000
 
TPD Pension
405,520
 
57,562
 
347,958
 
2,000,000
 
TPD Pension
405,520
 
57,562
 
347,958))
 
2,000
 
Medical Only
0
 
0
 
0
 
5,000
 
Medical Only
1,070
 
1,070
 
0
 
5,000
 
Timeloss
5,000
 
5,000
 
0
 
30,000
 
Medical Only
26,070
 
25,941
 
129
 
30,000
 
Timeloss
30,000
 
28,142
 
1,858
 
90,000
 
PPD
90,000
 
45,045
 
44,955
 
150,000
 
PPD
150,000
 
51,195
 
98,805
 
500,000
 
TPD Pension
417,090
 
58,923
 
358,167
 
2,000,000
 
TPD Pension
417,090
 
58,923
 
358,167
 
Note:
The deduction, (($3,670))$3,930, 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 70 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.
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 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-875Table I.
Primary Losses for Selected Claim Values
Effective January 1, ((2024))2025
TOTAL LOSS AFTER
DEDUCTION
PRIMARY LOSS
 
5,000
 
5,000
 
 
10,000
 
10,000
 
 
15,000
 
15,000
 
 
((25,170
 
25,170
 
 
34,402
 
30,000
 
 
47,323
 
35,000
 
 
65,881
 
40,000
 
 
94,796
 
45,000
 
 
116,286
 
47,500
 
 
405,520
**
57,562))
 
 
25,750
 
25,750
 
 
33,709
 
30,000
 
 
46,019
 
35,000
 
 
63,380
 
40,000
 
 
89,698
 
45,000
 
 
108,704
 
47,500
 
 
417,090
**
58,923
 
**
Maximum claim value
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-880Table II.
PRIMARY AND EXCESS CREDIBILITY VALUES
Effective January 1, ((2024))2025
Maximum Claim Value =  (($405,520))$417,090
Average Death Value =  (($405,520))$417,090
Expected Losses
Primary Credibility
Excess Credibility
((0
-
6,061
12%
 
7%
 
6,062
-
6,471
13%
 
7%
 
6,472
-
6,884
14%
 
7%
 
6,885
-
7,301
15%
 
7%
 
7,302
-
7,726
16%
 
7%
 
7,727
-
8,155
17%
 
7%
 
8,156
-
8,590
18%
 
7%
 
8,591
-
9,029
19%
 
7%
 
9,030
-
9,473
20%
 
7%
 
9,474
-
9,926
21%
 
7%
 
9,927
-
10,383
22%
 
7%
 
10,384
-
10,851
23%
 
7%
 
10,852
-
11,320
24%
 
7%
 
11,321
-
11,800
25%
 
7%
 
11,801
-
12,289
26%
 
7%
 
12,290
-
12,782
27%
 
7%
 
12,783
-
13,286
28%
 
7%
 
13,287
-
13,798
29%
 
7%
 
13,799
-
14,318
30%
 
7%
 
14,319
-
14,851
31%
 
7%
 
14,852
-
15,390
32%
 
7%
 
15,391
-
15,944
33%
 
7%
 
15,945
-
16,510
34%
 
7%
 
16,511
-
17,087
35%
 
7%
 
17,088
-
17,677
36%
 
7%
 
17,678
-
18,282
37%
 
7%
 
18,283
-
18,907
38%
 
7%
 
18,908
-
19,543
39%
 
7%
 
19,544
-
20,200
40%
 
7%
 
20,201
-
20,875
41%
 
7%
 
20,876
-
21,575
42%
 
7%
 
21,576
-
22,298
43%
 
7%
 
22,299
-
23,047
44%
 
7%
 
23,048
-
23,828
45%
 
7%
 
23,829
-
24,644
46%
 
7%
 
24,645
-
25,497
47%
 
7%
 
25,498
-
26,398
48%
 
7%
 
26,399
-
27,354
49%
 
7%
 
27,355
-
28,371
50%
 
7%
 
28,372
-
29,472
51%
 
7%
 
29,473
-
30,677
52%
 
7%
 
30,678
-
32,019
53%
 
7%
 
32,020
-
32,157
54%
 
7%
 
32,158
-
33,568
54%
 
8%
 
33,569
-
35,458
55%
 
8%
 
35,459
-
53,665
56%
 
8%
 
53,666
-
59,148
57%
 
8%
 
59,149
-
84,486
57%
 
9%
 
84,487
-
87,017
57%
 
10%
 
87,018
-
109,978
58%
 
10%
 
109,979
-
120,370
58%
 
11%
 
120,371
-
135,630
59%
 
11%
 
135,631
-
153,725
59%
 
12%
 
153,726
-
161,437
60%
 
12%
 
161,438
-
187,080
60%
 
13%
 
187,081
-
187,407
61%
 
13%
 
187,408
-
213,537
61%
 
14%
 
213,538
-
220,432
61%
 
15%
 
220,433
-
239,832
62%
 
15%
 
239,833
-
253,786
62%
 
16%
 
253,787
-
266,292
63%
 
16%
 
266,293
-
287,140
63%
 
17%
 
287,141
-
292,919
64%
 
17%
 
292,920
-
319,713
64%
 
18%
 
319,714
-
320,492
64%
 
19%
 
320,493
-
346,681
65%
 
19%
 
346,682
-
353,845
65%
 
20%
 
353,846
-
373,812
66%
 
20%
 
373,813
-
387,201
66%
 
21%
 
387,202
-
401,120
67%
 
21%
 
401,121
-
420,555
67%
 
22%
 
420,556
-
428,604
68%
 
22%
 
428,605
-
453,905
68%
 
23%
 
453,906
-
456,264
69%
 
23%
 
456,265
-
484,100
69%
 
24%
 
484,101
-
487,259
69%
 
25%
 
487,260
-
512,117
70%
 
25%
 
512,118
-
520,616
70%
 
26%
 
520,617
-
540,315
71%
 
26%
 
540,316
-
553,969
71%
 
27%
 
553,970
-
568,697
72%
 
27%
 
568,698
-
587,323
72%
 
28%
 
587,324
-
597,262
73%
 
28%
 
597,263
-
620,678
73%
 
29%
 
620,679
-
626,016
74%
 
29%
 
626,017
-
654,031
74%
 
30%
 
654,032
-
654,959
75%
 
30%
 
654,960
-
684,090
75%
 
31%
 
684,091
-
687,383
75%
 
32%
 
687,384
-
713,416
76%
 
32%
 
713,417
-
720,738
76%
 
33%
 
720,739
-
742,932
77%
 
33%
 
742,933
-
754,092
77%
 
34%
 
754,093
-
772,650
78%
 
34%
 
772,651
-
787,445
78%
 
35%
 
787,446
-
802,562
79%
 
35%
 
802,563
-
820,800
79%
 
36%
 
820,801
-
832,676
80%
 
36%
 
832,677
-
854,151
80%
 
37%
 
854,152
-
862,994
81%
 
37%
 
862,995
-
887,506
81%
 
38%
 
887,507
-
893,514
82%
 
38%
 
893,515
-
920,861
82%
 
39%
 
920,862
-
924,240
83%
 
39%
 
924,241
-
954,215
83%
 
40%
 
954,216
-
955,174
84%
 
40%
 
955,175
-
986,321
84%
 
41%
 
986,322
-
987,565
84%
 
42%
 
987,566
-
1,017,676
85%
 
42%
 
1,017,677
-
1,020,918
85%
 
43%
 
1,020,919
-
1,049,252
86%
 
43%
 
1,049,253
-
1,054,274
86%
 
44%
 
1,054,275
-
1,081,041
87%
 
44%
 
1,081,042
-
1,087,629
87%
 
45%
 
1,087,630
-
1,113,052
88%
 
45%
 
1,113,053
-
1,120,982
88%
 
46%
 
1,120,983
-
1,145,283
89%
 
46%
 
1,145,284
-
1,154,335
89%
 
47%
 
1,154,336
-
1,177,739
90%
 
47%
 
1,177,740
-
1,187,690
90%
 
48%
 
1,187,691
-
1,210,420
91%
 
48%
 
1,210,421
-
1,221,042
91%
 
49%
 
1,221,043
-
1,243,330
92%
 
49%
 
1,243,331
-
1,254,398
92%
 
50%
 
1,254,399
-
1,276,471
93%
 
50%
 
1,276,472
-
1,287,751
93%
 
51%
 
1,287,752
-
1,309,848
94%
 
51%
 
1,309,849
-
1,321,103
94%
 
52%
 
1,321,104
-
1,343,459
95%
 
52%
 
1,343,460
-
1,354,457
95%
 
53%
 
1,354,458
-
1,377,308
96%
 
53%
 
1,377,309
-
1,387,811
96%
 
54%
 
1,387,812
-
1,411,398
97%
 
54%
 
1,411,399
-
1,421,165
97%
 
55%
 
1,421,166
-
1,445,732
98%
 
55%
 
1,445,733
-
1,454,519
98%
 
56%
 
1,454,520
-
1,480,312
99%
 
56%
 
1,480,313
-
1,487,872
99%
 
57%
 
1,487,873
-
1,515,141
100%
 
57%
 
1,515,142
-
1,550,222
100%
 
58%
 
1,550,223
-
1,585,559
100%
 
59%
 
1,585,560
-
1,621,151
100%
 
60%
 
1,621,152
-
1,657,004
100%
 
61%
 
1,657,005
-
1,693,119
100%
 
62%
 
1,693,120
-
1,729,501
100%
 
63%
 
1,729,502
-
1,766,150
100%
 
64%
 
1,766,151
-
1,803,071
100%
 
65%
 
1,803,072
-
1,840,266
100%
 
66%
 
1,840,267
-
1,877,742
100%
 
67%
 
1,877,743
-
1,915,494
100%
 
68%
 
1,915,495
-
1,953,533
100%
 
69%
 
1,953,534
-
1,991,860
100%
 
70%
 
1,991,861
-
2,030,477
100%
 
71%
 
2,030,478
-
2,069,388
100%
 
72%
 
2,069,389
-
2,108,596
100%
 
73%
 
2,108,597
-
2,148,105
100%
 
74%
 
2,148,106
-
2,187,916
100%
 
75%
 
2,187,917
-
2,228,036
100%
 
76%
 
2,228,037
-
2,268,466
100%
 
77%
 
2,268,467
-
2,309,212
100%
 
78%
 
2,309,213
-
2,350,277
100%
 
79%
 
2,350,278
-
2,391,664
100%
 
80%
 
2,391,665
-
2,433,380
100%
 
81%
 
2,433,381
-
2,475,420
100%
 
82%
 
2,475,421
-
2,517,799
100%
 
83%
 
2,517,800
-
2,560,511
100%
 
84%
 
2,560,512
-
2,603,569
100%
 
85%
 
2,603,570
and higher
100%
 
86%))
 
0
-
6,000
12%
 
7%
 
6,001
-
6,406
13%
 
7%
 
6,407
-
6,815
14%
 
7%
 
6,816
-
7,228
15%
 
7%
 
7,229
-
7,649
16%
 
7%
 
7,650
-
8,073
17%
 
7%
 
8,074
-
8,504
18%
 
7%
 
8,505
-
8,939
19%
 
7%
 
8,940
-
9,378
20%
 
7%
 
9,379
-
9,827
21%
 
7%
 
9,828
-
10,279
22%
 
7%
 
10,280
-
10,742
23%
 
7%
 
10,743
-
11,207
24%
 
7%
 
11,208
-
11,682
25%
 
7%
 
11,683
-
12,166
26%
 
7%
 
12,167
-
12,654
27%
 
7%
 
12,655
-
13,153
28%
 
7%
 
13,154
-
13,660
29%
 
7%
 
13,661
-
14,175
30%
 
7%
 
14,176
-
14,702
31%
 
7%
 
14,703
-
15,236
32%
 
7%
 
15,237
-
15,785
33%
 
7%
 
15,786
-
16,345
34%
 
7%
 
16,346
-
16,916
35%
 
7%
 
16,917
-
17,500
36%
 
7%
 
17,501
-
18,099
37%
 
7%
 
18,100
-
18,718
38%
 
7%
 
18,719
-
19,348
39%
 
7%
 
19,349
-
19,998
40%
 
7%
 
19,999
-
20,666
41%
 
7%
 
20,667
-
21,359
42%
 
7%
 
21,360
-
22,075
43%
 
7%
 
22,076
-
22,817
44%
 
7%
 
22,818
-
23,590
45%
 
7%
 
23,591
-
24,398
46%
 
7%
 
24,399
-
25,242
47%
 
7%
 
25,243
-
26,134
48%
 
7%
 
26,135
-
27,080
49%
 
7%
 
27,081
-
28,087
50%
 
7%
 
28,088
-
29,177
51%
 
7%
 
29,178
-
30,370
52%
 
7%
 
30,371
-
31,699
53%
 
7%
 
31,700
-
31,835
54%
 
7%
 
31,836
-
33,232
54%
 
8%
 
33,233
-
35,103
55%
 
8%
 
35,104
-
53,128
56%
 
8%
 
53,129
-
58,557
57%
 
8%
 
58,558
-
83,641
57%
 
9%
 
83,642
-
86,147
57%
 
10%
 
86,148
-
108,878
58%
 
10%
 
108,879
-
119,166
58%
 
11%
 
119,167
-
134,274
59%
 
11%
 
134,275
-
152,188
59%
 
12%
 
152,189
-
159,823
60%
 
12%
 
159,824
-
185,209
60%
 
13%
 
185,210
-
185,533
61%
 
13%
 
185,534
-
211,402
61%
 
14%
 
211,403
-
218,228
61%
 
15%
 
218,229
-
237,434
62%
 
15%
 
237,435
-
251,248
62%
 
16%
 
251,249
-
263,629
63%
 
16%
 
263,630
-
284,269
63%
 
17%
 
284,270
-
289,990
64%
 
17%
 
289,991
-
316,516
64%
 
18%
 
316,517
-
317,287
64%
 
19%
 
317,288
-
343,214
65%
 
19%
 
343,215
-
350,307
65%
 
20%
 
350,308
-
370,074
66%
 
20%
 
370,075
-
383,329
66%
 
21%
 
383,330
-
397,109
67%
 
21%
 
397,110
-
416,349
67%
 
22%
 
416,350
-
424,318
68%
 
22%
 
424,319
-
449,366
68%
 
23%
 
449,367
-
451,701
69%
 
23%
 
451,702
-
479,259
69%
 
24%
 
479,260
-
482,386
69%
 
25%
 
482,387
-
506,996
70%
 
25%
 
506,997
-
515,410
70%
 
26%
 
515,411
-
534,912
71%
 
26%
 
534,913
-
548,429
71%
 
27%
 
548,430
-
563,010
72%
 
27%
 
563,011
-
581,450
72%
 
28%
 
581,451
-
591,289
73%
 
28%
 
591,290
-
614,471
73%
 
29%
 
614,472
-
619,756
74%
 
29%
 
619,757
-
647,491
74%
 
30%
 
647,492
-
648,409
75%
 
30%
 
648,410
-
677,249
75%
 
31%
 
677,250
-
680,509
75%
 
32%
 
680,510
-
706,282
76%
 
32%
 
706,283
-
713,531
76%
 
33%
 
713,532
-
735,503
77%
 
33%
 
735,504
-
746,551
77%
 
34%
 
746,552
-
764,923
78%
 
34%
 
764,924
-
779,571
78%
 
35%
 
779,572
-
794,536
79%
 
35%
 
794,537
-
812,592
79%
 
36%
 
812,593
-
824,349
80%
 
36%
 
824,350
-
845,609
80%
 
37%
 
845,610
-
854,364
81%
 
37%
 
854,365
-
878,631
81%
 
38%
 
878,632
-
884,579
82%
 
38%
 
884,580
-
911,652
82%
 
39%
 
911,653
-
914,998
83%
 
39%
 
914,999
-
944,673
83%
 
40%
 
944,674
-
945,622
84%
 
40%
 
945,623
-
976,458
84%
 
41%
 
976,459
-
977,689
84%
 
42%
 
977,690
-
1,007,499
85%
 
42%
 
1,007,500
-
1,010,709
85%
 
43%
 
1,010,710
-
1,038,759
86%
 
43%
 
1,038,760
-
1,043,731
86%
 
44%
 
1,043,732
-
1,070,231
87%
 
44%
 
1,070,232
-
1,076,753
87%
 
45%
 
1,076,754
-
1,101,921
88%
 
45%
 
1,101,922
-
1,109,772
88%
 
46%
 
1,109,773
-
1,133,830
89%
 
46%
 
1,133,831
-
1,142,792
89%
 
47%
 
1,142,793
-
1,165,962
90%
 
47%
 
1,165,963
-
1,175,813
90%
 
48%
 
1,175,814
-
1,198,316
91%
 
48%
 
1,198,317
-
1,208,832
91%
 
49%
 
1,208,833
-
1,230,897
92%
 
49%
 
1,230,898
-
1,241,854
92%
 
50%
 
1,241,855
-
1,263,706
93%
 
50%
 
1,263,707
-
1,274,873
93%
 
51%
 
1,274,874
-
1,296,750
94%
 
51%
 
1,296,751
-
1,307,892
94%
 
52%
 
1,307,893
-
1,330,024
95%
 
52%
 
1,330,025
-
1,340,912
95%
 
53%
 
1,340,913
-
1,363,535
96%
 
53%
 
1,363,536
-
1,373,933
96%
 
54%
 
1,373,934
-
1,397,284
97%
 
54%
 
1,397,285
-
1,406,953
97%
 
55%
 
1,406,954
-
1,431,275
98%
 
55%
 
1,431,276
-
1,439,974
98%
 
56%
 
1,439,975
-
1,465,509
99%
 
56%
 
1,465,510
-
1,472,993
99%
 
57%
 
1,472,994
-
1,499,990
100%
 
57%
 
1,499,991
-
1,534,720
100%
 
58%
 
1,534,721
-
1,569,703
100%
 
59%
 
1,569,704
-
1,604,939
100%
 
60%
 
1,604,940
-
1,640,434
100%
 
61%
 
1,640,435
-
1,676,188
100%
 
62%
 
1,676,189
-
1,712,206
100%
 
63%
 
1,712,207
-
1,748,488
100%
 
64%
 
1,748,489
-
1,785,040
100%
 
65%
 
1,785,041
-
1,821,863
100%
 
66%
 
1,821,864
-
1,858,965
100%
 
67%
 
1,858,966
-
1,896,339
100%
 
68%
 
1,896,340
-
1,933,998
100%
 
69%
 
1,933,999
-
1,971,941
100%
 
70%
 
1,971,942
-
2,010,172
100%
 
71%
 
2,010,173
-
2,048,694
100%
 
72%
 
2,048,695
-
2,087,510
100%
 
73%
 
2,087,511
-
2,126,624
100%
 
74%
 
2,126,625
-
2,166,037
100%
 
75%
 
2,166,038
-
2,205,756
100%
 
76%
 
2,205,757
-
2,245,781
100%
 
77%
 
2,245,782
-
2,286,120
100%
 
78%
 
2,286,121
-
2,326,774
100%
 
79%
 
2,326,775
-
2,367,747
100%
 
80%
 
2,367,748
-
2,409,046
100%
 
81%
 
2,409,047
-
2,450,666
100%
 
82%
 
2,450,667
-
2,492,621
100%
 
83%
 
2,492,622
-
2,534,906
100%
 
84%
 
2,534,907
-
2,577,533
100%
 
85%
 
2,577,534
and higher
100%
 
86%
 
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-885Table III.
Expected Loss Rates and Primary Ratios
by Risk Classification and Fiscal Year
Expected Loss Rates in Dollars Per Worker Hour
Effective January 1, ((2024))2025
((Class
2020
2021
2022
Primary Ratio
101
0.7333
0.6414
0.5407
0.401
103
0.9153
0.8163
0.7019
0.415
104
0.6145
0.5355
0.4484
0.420
105
0.7852
0.6928
0.5818
0.481
106
2.0555
1.8460
1.5991
0.415
107
0.6483
0.5688
0.4799
0.423
108
0.6145
0.5355
0.4484
0.420
112
0.5619
0.4957
0.4204
0.420
201
1.5387
1.3384
1.1315
0.351
202
1.2789
1.1146
0.9341
0.413
210
0.6925
0.6069
0.5147
0.387
212
0.6877
0.6055
0.5120
0.424
214
1.0860
0.9419
0.7861
0.407
217
0.7191
0.6310
0.5306
0.439
219
0.5315
0.4649
0.3883
0.460
301
0.7365
0.6531
0.5537
0.456
302
1.3453
1.1765
0.9902
0.405
303
1.2698
1.1121
0.9350
0.418
306
0.5597
0.4883
0.4080
0.442
307
0.5886
0.5166
0.4325
0.470
308
0.4717
0.4196
0.3549
0.498
403
1.0815
0.9465
0.7916
0.450
502
0.6106
0.5331
0.4435
0.462
504
1.2805
1.1317
0.9657
0.398
507
2.0453
1.8278
1.5794
0.398
508
1.0918
0.9473
0.7952
0.368
509
0.6212
0.5390
0.4551
0.353
510
1.6222
1.4403
1.2328
0.409
511
1.0116
0.8828
0.7341
0.470
512
0.8457
0.7470
0.6334
0.441
513
0.6717
0.5884
0.4924
0.450
514
0.9857
0.8657
0.7236
0.482
516
1.0326
0.9059
0.7616
0.438
517
1.1617
1.0253
0.8767
0.374
518
0.8724
0.7620
0.6431
0.399
519
1.2490
1.0923
0.9198
0.405
521
0.5227
0.4628
0.3931
0.438
601
0.3764
0.3273
0.2717
0.460
602
0.5093
0.4378
0.3617
0.402
603
0.5910
0.5160
0.4358
0.382
604
0.7968
0.7055
0.5971
0.463
606
0.4629
0.4028
0.3286
0.544
607
0.6142
0.5342
0.4385
0.501
608
0.3036
0.2634
0.2175
0.469
701
0.9427
0.8201
0.6932
0.351
803
0.4940
0.4295
0.3535
0.497
901
0.8724
0.7620
0.6431
0.399
1002
0.6018
0.5267
0.4418
0.437
1003
0.4331
0.3805
0.3191
0.463
1004
0.3464
0.2996
0.2477
0.438
1005
6.6130
5.7458
4.7845
0.410
1006
0.1937
0.1684
0.1378
0.526
1007
0.2539
0.2229
0.1861
0.480
1101
0.9133
0.7955
0.6538
0.506
1102
1.1601
1.0102
0.8467
0.400
1103
0.8617
0.7481
0.6131
0.497
1104
0.4912
0.4341
0.3653
0.492
1105
0.5880
0.5129
0.4245
0.486
1106
0.3362
0.2967
0.2463
0.550
1108
0.4261
0.3762
0.3151
0.498
1109
1.5210
1.3325
1.1180
0.428
1301
0.4946
0.4335
0.3634
0.445
1303
0.3336
0.2876
0.2327
0.527
1304
0.0143
0.0125
0.0104
0.478
1305
0.3630
0.3160
0.2618
0.458
1401
0.2842
0.2536
0.2147
0.501
1404
0.6867
0.6063
0.5047
0.522
1405
0.6258
0.5468
0.4506
0.520
1407
0.5391
0.4719
0.3905
0.503
1501
0.6902
0.5981
0.4894
0.497
1507
0.3732
0.3277
0.2715
0.524
1701
0.6082
0.5356
0.4540
0.408
1702
0.8486
0.7362
0.6255
0.309
1703
0.6770
0.5877
0.4909
0.400
1704
0.6082
0.5356
0.4540
0.408
1801
0.4116
0.3587
0.3004
0.413
1802
0.6586
0.5739
0.4807
0.413
2002
0.5909
0.5186
0.4336
0.473
2004
0.5056
0.4452
0.3689
0.557
2007
0.5327
0.4727
0.4032
0.428
2008
0.2106
0.1859
0.1552
0.502
2009
0.3263
0.2900
0.2449
0.511
2101
0.5288
0.4682
0.3946
0.481
2102
0.5797
0.5130
0.4311
0.493
2103
1.3986
1.2100
0.9730
0.567
2104
0.3250
0.2943
0.2520
0.559
2105
0.6154
0.5355
0.4390
0.520
2106
0.4628
0.4095
0.3432
0.513
2201
0.2972
0.2667
0.2278
0.491
2202
0.5796
0.5080
0.4222
0.493
2203
0.4401
0.3897
0.3257
0.541
2204
0.2972
0.2667
0.2278
0.491
2401
0.3494
0.3075
0.2597
0.439
2903
0.5178
0.4605
0.3888
0.506
2904
0.4917
0.4359
0.3747
0.391
2905
0.4611
0.4090
0.3437
0.520
2906
0.4576
0.4086
0.3510
0.443
2907
0.3709
0.3291
0.2755
0.550
2908
0.6598
0.5871
0.4969
0.508
2909
0.3617
0.3238
0.2771
0.467
3101
0.5876
0.5169
0.4333
0.481
3102
0.2263
0.1980
0.1650
0.471
3103
0.2738
0.2422
0.2063
0.417
3104
0.6366
0.5639
0.4719
0.531
3105
0.7116
0.6367
0.5460
0.463
3303
0.3278
0.2882
0.2397
0.511
3304
0.6121
0.5448
0.4615
0.489
3309
0.3292
0.2886
0.2398
0.498
3402
0.3633
0.3211
0.2697
0.500
3403
0.1137
0.1000
0.0837
0.493
3404
0.4530
0.3986
0.3333
0.493
3405
0.2181
0.1926
0.1617
0.501
3406
0.2207
0.1947
0.1626
0.516
3407
0.6797
0.5923
0.4931
0.440
3408
0.2299
0.1998
0.1630
0.531
3409
0.1468
0.1298
0.1081
0.538
3410
0.1468
0.1298
0.1081
0.538
3411
0.3961
0.3461
0.2876
0.475
3412
0.5536
0.4824
0.4045
0.408
3414
0.6939
0.6042
0.4976
0.495
3415
1.2034
1.0492
0.8585
0.530
3501
0.3384
0.3028
0.2596
0.463
3503
0.2775
0.2444
0.2039
0.513
3506
0.6186
0.5413
0.4558
0.417
3509
0.4120
0.3596
0.2940
0.549
3510
0.3266
0.2915
0.2470
0.517
3511
0.7117
0.6316
0.5331
0.490
3512
0.3320
0.2946
0.2471
0.528
3513
0.3972
0.3489
0.2909
0.491
3602
0.0837
0.0739
0.0620
0.501
3603
0.3840
0.3407
0.2884
0.476
3604
0.6974
0.6169
0.5207
0.474
3605
0.3633
0.3211
0.2697
0.500
3701
0.2263
0.1980
0.1650
0.471
3702
0.3036
0.2676
0.2227
0.531
3708
0.5049
0.4474
0.3805
0.443
3802
0.1605
0.1428
0.1213
0.485
3808
0.3234
0.2857
0.2406
0.474
3901
0.1196
0.1069
0.0898
0.573
3902
0.4631
0.4097
0.3407
0.553
3903
0.7207
0.6374
0.5302
0.553
3905
0.1195
0.1070
0.0905
0.551
3906
0.4361
0.3883
0.3271
0.532
3909
0.2258
0.2002
0.1668
0.563
4101
0.1730
0.1532
0.1284
0.526
4103
0.4884
0.4333
0.3655
0.490
4107
0.1539
0.1346
0.1120
0.481
4108
0.1673
0.1472
0.1215
0.545
4109
0.1852
0.1646
0.1391
0.501
4201
0.6672
0.5725
0.4673
0.443
4301
0.7551
0.6725
0.5662
0.527
4302
0.6262
0.5518
0.4636
0.472
4304
0.7595
0.6851
0.5901
0.478
4305
0.9929
0.8592
0.7012
0.497
4401
0.3278
0.2882
0.2397
0.511
4402
0.5202
0.4545
0.3765
0.496
4404
0.4413
0.3918
0.3332
0.450
4501
0.1480
0.1296
0.1062
0.568
4502
0.0490
0.0432
0.0363
0.465
4504
0.1065
0.0953
0.0805
0.564
4802
0.4171
0.3712
0.3144
0.488
4803
0.4217
0.3768
0.3179
0.549
4804
0.4656
0.4166
0.3547
0.496
4805
0.3239
0.2901
0.2459
0.543
4806
0.1345
0.1191
0.0984
0.593
4808
0.4504
0.3995
0.3386
0.460
4809
0.2285
0.2029
0.1708
0.523
4810
0.2264
0.2013
0.1692
0.523
4811
0.4294
0.3866
0.3315
0.503
4812
0.3570
0.3168
0.2689
0.470
4813
0.2843
0.2550
0.2155
0.561
4814
0.1099
0.0999
0.0859
0.548
4815
0.2066
0.1884
0.1622
0.561
4816
0.3081
0.2807
0.2438
0.504
4900
0.1010
0.0888
0.0750
0.439
4901
0.0336
0.0293
0.0243
0.469
4902
0.0643
0.0562
0.0464
0.507
4903
0.1647
0.1431
0.1170
0.525
4904
0.0120
0.0106
0.0088
0.547
4905
0.3448
0.3072
0.2587
0.534
4906
0.0967
0.0841
0.0687
0.535
4907
0.0454
0.0408
0.0347
0.594
4908
0.0838
0.0756
0.0647
0.598
4909
0.0335
0.0303
0.0258
0.598
4910
0.4111
0.3606
0.3007
0.480
4911
0.0526
0.0464
0.0393
0.439
5001
5.9546
5.2490
4.5130
0.333
5002
0.4903
0.4276
0.3518
0.514
5003
1.9782
1.7291
1.4584
0.379
5004
0.8698
0.7863
0.6874
0.392
5005
0.7939
0.6941
0.5861
0.385
5006
0.9455
0.8243
0.6943
0.375
5101
0.7206
0.6267
0.5206
0.438
5103
0.7483
0.6614
0.5550
0.505
5106
0.7483
0.6614
0.5550
0.505
5108
0.7342
0.6353
0.5152
0.532
5109
0.3750
0.3273
0.2720
0.481
5201
0.2481
0.2190
0.1824
0.546
5204
0.9048
0.7776
0.6343
0.449
5206
0.3154
0.2789
0.2379
0.411
5207
0.1370
0.1220
0.1025
0.546
5208
0.4894
0.4317
0.3644
0.469
5209
0.4982
0.4389
0.3690
0.475
5300
0.0731
0.0642
0.0534
0.507
5301
0.0227
0.0201
0.0167
0.502
5302
0.0052
0.0045
0.0039
0.464
5305
0.0429
0.0375
0.0307
0.551
5306
0.0335
0.0295
0.0244
0.549
5307
0.6044
0.5248
0.4310
0.487
5308
0.0760
0.0676
0.0573
0.520
6103
0.0838
0.0749
0.0628
0.580
6104
0.3233
0.2849
0.2371
0.525
6105
0.4547
0.3950
0.3248
0.493
6107
0.1543
0.1381
0.1157
0.640
6108
0.2260
0.2018
0.1700
0.582
6109
0.1033
0.0900
0.0742
0.498
6110
0.3484
0.3029
0.2483
0.516
6120
0.2704
0.2355
0.1941
0.504
6121
0.3900
0.3389
0.2777
0.508
6201
0.4618
0.4022
0.3298
0.523
6202
0.7344
0.6458
0.5372
0.512
6203
0.0889
0.0804
0.0686
0.606
6204
0.1052
0.0941
0.0800
0.516
6205
0.1613
0.1422
0.1184
0.530
6206
0.1814
0.1606
0.1340
0.550
6207
0.7886
0.6993
0.5914
0.459
6208
0.2000
0.1804
0.1534
0.574
6209
0.2530
0.2274
0.1938
0.534
6301
0.1147
0.1008
0.0848
0.426
6303
0.0399
0.0351
0.0293
0.494
6305
0.0945
0.0838
0.0698
0.575
6306
0.3461
0.3032
0.2495
0.549
6308
0.0681
0.0596
0.0491
0.513
6309
0.2004
0.1770
0.1472
0.541
6402
0.2249
0.1998
0.1669
0.573
6403
0.1421
0.1251
0.1030
0.572
6404
0.2896
0.2578
0.2169
0.529
6405
0.5597
0.4890
0.4034
0.510
6406
0.1472
0.1295
0.1067
0.572
6407
0.2397
0.2118
0.1769
0.527
6408
0.5435
0.4810
0.4056
0.480
6409
0.5946
0.5214
0.4369
0.451
6410
0.2631
0.2307
0.1909
0.526
6411
0.0393
0.0353
0.0302
0.514
6501
0.0873
0.0757
0.0614
0.553
6502
0.0173
0.0152
0.0129
0.490
6503
0.0731
0.0627
0.0505
0.515
6504
0.2365
0.2112
0.1773
0.581
6505
0.1334
0.1193
0.0998
0.626
6506
0.1060
0.0931
0.0771
0.528
6509
0.2073
0.1849
0.1558
0.563
6510
0.3551
0.3069
0.2540
0.413
6511
0.2390
0.2106
0.1741
0.561
6512
0.0830
0.0729
0.0608
0.472
6601
0.1799
0.1587
0.1325
0.502
6602
0.5469
0.4865
0.4117
0.481
6603
0.2539
0.2251
0.1887
0.539
6604
0.0550
0.0486
0.0408
0.524
6605
0.2554
0.2234
0.1836
0.561
6607
0.1078
0.0957
0.0800
0.553
6608
0.3724
0.3213
0.2682
0.370
6620
3.1804
2.7312
2.1789
0.578
6704
0.1142
0.1002
0.0824
0.564
6705
0.7315
0.6593
0.5597
0.578
6706
0.2093
0.1881
0.1610
0.511
6707
8.4102
7.5223
6.2413
0.671
6708
7.9882
7.2913
6.3822
0.474
6709
0.2337
0.2061
0.1710
0.549
6801
0.5667
0.4811
0.3804
0.527
6802
0.8584
0.7449
0.6059
0.531
6803
0.4434
0.3807
0.3131
0.413
6804
0.2353
0.2066
0.1709
0.541
6809
2.8632
2.5546
2.1642
0.524
6901
0.0196
0.0200
0.0194
0.813
6902
0.6483
0.5706
0.4825
0.415
6903
3.0259
2.6602
2.2921
0.310
6904
1.1712
1.0068
0.8300
0.405
6905
0.8792
0.7494
0.6125
0.410
6906
0.2888
0.2811
0.2591
0.578
6907
0.7100
0.6262
0.5207
0.539
6908
0.3660
0.3221
0.2685
0.510
6909
0.0962
0.0849
0.0714
0.499
7100
0.0150
0.0130
0.0106
0.531
7101
0.0203
0.0177
0.0148
0.423
7103
0.9373
0.8098
0.6648
0.454
7104
0.0227
0.0199
0.0164
0.498
7105
0.0155
0.0136
0.0113
0.502
7106
0.2293
0.2025
0.1679
0.548
7107
0.3910
0.3405
0.2774
0.554
7108
0.3026
0.2656
0.2166
0.605
7109
0.0899
0.0788
0.0654
0.506
7110
0.4115
0.3619
0.3036
0.454
7111
0.2982
0.2548
0.2055
0.478
7112
0.6178
0.5515
0.4660
0.523
7113
0.4294
0.3761
0.3087
0.553
7114
0.7298
0.6439
0.5308
0.583
7115
0.5980
0.5322
0.4454
0.551
7116
0.5349
0.4683
0.3873
0.501
7117
0.9013
0.7958
0.6656
0.506
7118
1.3247
1.1638
0.9761
0.457
7119
1.6112
1.4007
1.1497
0.492
7120
4.9649
4.2957
3.5059
0.497
7121
5.6128
4.9433
4.2532
0.325
7122
0.3291
0.2950
0.2510
0.507
7200
2.1770
1.8651
1.5115
0.463
7201
1.5670
1.3480
1.0921
0.492
7202
0.0157
0.0138
0.0115
0.489
7203
0.0845
0.0762
0.0653
0.568
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.6152
0.5545
0.4810
0.436
7302
0.7492
0.6758
0.5848
0.451
7307
0.4081
0.3616
0.3021
0.529
7308
0.2507
0.2240
0.1883
0.581
7309
0.1974
0.1769
0.1496
0.570
7400
2.5036
2.1448
1.7382
0.463))
Class
2021
2022
2023
Primary Ratio
101
0.6527
0.5614
0.5145
0.425
103
0.8889
0.7754
0.7310
0.423
104
0.6145
0.5253
0.4767
0.427
105
0.7462
0.6442
0.5944
0.489
106
2.1930
1.9206
1.8224
0.392
107
0.6066
0.5204
0.4757
0.443
108
0.6145
0.5253
0.4767
0.427
112
0.5388
0.4653
0.4299
0.444
201
1.4095
1.2030
1.0878
0.360
202
1.2094
1.0322
0.9335
0.418
210
0.6870
0.5902
0.5414
0.387
212
0.7209
0.6228
0.5750
0.420
214
1.0346
0.8807
0.7922
0.404
217
0.6999
0.6011
0.5494
0.460
219
0.4831
0.4142
0.3774
0.465
301
0.7027
0.6086
0.5651
0.464
302
1.2366
1.0595
0.9623
0.429
303
1.2734
1.0912
0.9903
0.431
306
0.5370
0.4598
0.4185
0.454
307
0.5772
0.4956
0.4537
0.476
308
0.4758
0.4123
0.3839
0.509
403
1.0183
0.8743
0.7988
0.448
502
0.6171
0.5295
0.4820
0.462
504
1.2611
1.0881
1.0043
0.412
507
1.9572
1.7061
1.6075
0.406
508
1.0158
0.8660
0.7792
0.399
509
0.6031
0.5139
0.4652
0.361
510
1.5652
1.3571
1.2646
0.406
511
1.0446
0.8931
0.8104
0.459
512
0.8485
0.7328
0.6789
0.445
513
0.6296
0.5416
0.4967
0.449
514
0.9539
0.8201
0.7525
0.487
516
0.9589
0.8240
0.7539
0.448
517
1.1112
0.9599
0.8873
0.383
518
0.7979
0.6838
0.6251
0.414
519
1.3093
1.1228
1.0230
0.410
521
0.5350
0.4633
0.4314
0.438
601
0.3834
0.3267
0.2948
0.455
602
0.5257
0.4443
0.3932
0.404
603
0.5704
0.4879
0.4425
0.389
604
0.7383
0.6391
0.5948
0.474
606
0.4554
0.3895
0.3518
0.540
607
0.5885
0.5032
0.4540
0.501
608
0.2791
0.2380
0.2144
0.478
701
0.7460
0.6367
0.5756
0.360
803
0.4946
0.4218
0.3799
0.500
901
0.7979
0.6838
0.6251
0.414
1002
0.5722
0.4917
0.4504
0.457
1003
0.4276
0.3677
0.3368
0.479
1004
0.3598
0.3065
0.2752
0.428
1005
4.2340
3.6386
3.3331
0.457
1006
0.2011
0.1717
0.1544
0.532
1007
0.2630
0.2258
0.2060
0.504
1101
0.8987
0.7683
0.6926
0.519
1102
1.1567
0.9882
0.8921
0.405
1103
0.7934
0.6782
0.6117
0.502
1104
0.4797
0.4148
0.3858
0.504
1105
0.5642
0.4830
0.4387
0.491
1106
0.3343
0.2883
0.2654
0.557
1108
0.4672
0.4023
0.3683
0.510
1109
1.5078
1.2938
1.1770
0.430
1301
0.4700
0.4047
0.3717
0.445
1303
0.3193
0.2709
0.2404
0.528
1304
0.0135
0.0117
0.0106
0.474
1305
0.3513
0.3003
0.2708
0.458
1401
0.2929
0.2545
0.2372
0.509
1404
0.6781
0.5857
0.5394
0.534
1405
0.6244
0.5351
0.4860
0.527
1407
0.5817
0.4988
0.4524
0.508
1408
0.2625
0.2282
0.2127
0.497
1501
0.6928
0.5908
0.5306
0.493
1507
0.3659
0.3146
0.2881
0.539
1701
0.5811
0.5024
0.4642
0.415
1702
0.8169
0.6959
0.6285
0.315
1703
0.6631
0.5660
0.5105
0.406
1704
0.5811
0.5024
0.4642
0.415
1801
0.4117
0.3524
0.3196
0.423
1802
0.6586
0.5638
0.5114
0.423
2002
0.5635
0.4842
0.4429
0.479
2004
0.4824
0.4163
0.3857
0.561
2007
0.4990
0.4337
0.4063
0.443
2008
0.2046
0.1764
0.1616
0.511
2009
0.3186
0.2759
0.2573
0.545
2101
0.5097
0.4428
0.4139
0.481
2102
0.5276
0.4570
0.4248
0.496
2103
1.3692
1.1648
1.0361
0.562
2104
0.3246
0.2852
0.2745
0.569
2105
0.6719
0.5736
0.5160
0.520
2106
0.4636
0.4007
0.3708
0.520
2201
0.2978
0.2601
0.2457
0.493
2202
0.6103
0.5230
0.4754
0.506
2203
0.4403
0.3804
0.3525
0.552
2204
0.2978
0.2601
0.2457
0.493
2401
0.3329
0.2860
0.2621
0.464
2903
0.4911
0.4267
0.3995
0.513
2904
0.4675
0.4050
0.3784
0.407
2905
0.4608
0.3994
0.3727
0.526
2906
0.4262
0.3710
0.3496
0.452
2907
0.3601
0.3131
0.2944
0.541
2908
0.6139
0.5343
0.5043
0.514
2909
0.3587
0.3136
0.2960
0.470
3101
0.5933
0.5106
0.4700
0.502
3102
0.2228
0.1909
0.1741
0.474
3103
0.2646
0.2291
0.2127
0.423
3104
0.6167
0.5329
0.4936
0.529
3105
0.6876
0.6006
0.5692
0.467
3303
0.3298
0.2833
0.2585
0.524
3304
0.5782
0.5020
0.4702
0.491
3309
0.3308
0.2842
0.2594
0.507
3402
0.3515
0.3039
0.2823
0.510
3403
0.1128
0.0971
0.0894
0.509
3404
0.4541
0.3908
0.3592
0.498
3405
0.2150
0.1856
0.1721
0.513
3406
0.2097
0.1809
0.1665
0.525
3407
0.6569
0.5620
0.5083
0.451
3408
0.2209
0.1886
0.1694
0.539
3409
0.1488
0.1283
0.1181
0.550
3410
0.1488
0.1283
0.1181
0.550
3411
0.3689
0.3166
0.2889
0.483
3412
0.5300
0.4532
0.4104
0.423
3414
0.6492
0.5557
0.5035
0.504
3415
1.1492
0.9831
0.8874
0.517
3501
0.2836
0.2477
0.2347
0.467
3503
0.2843
0.2450
0.2257
0.525
3506
0.5615
0.4823
0.4427
0.428
3509
0.4068
0.3480
0.3138
0.555
3510
0.3342
0.2902
0.2719
0.544
3511
0.6813
0.5908
0.5510
0.492
3512
0.3127
0.2711
0.2528
0.519
3513
0.3914
0.3367
0.3079
0.490
3602
0.0736
0.0637
0.0592
0.503
3603
0.3804
0.3300
0.3076
0.486
3604
0.7096
0.6145
0.5720
0.483
3605
0.3515
0.3039
0.2823
0.510
3701
0.2228
0.1909
0.1741
0.474
3702
0.2823
0.2435
0.2251
0.545
3708
0.4904
0.4240
0.3933
0.460
3802
0.1537
0.1334
0.1249
0.492
3808
0.3073
0.2648
0.2439
0.477
3901
0.1153
0.1002
0.0941
0.581
3902
0.4599
0.3977
0.3694
0.544
3903
0.6656
0.5755
0.5345
0.544
3905
0.1183
0.1031
0.0972
0.558
3906
0.4609
0.3987
0.3701
0.543
3909
0.2278
0.1971
0.1831
0.574
4101
0.1633
0.1413
0.1318
0.542
4103
0.5042
0.4365
0.4054
0.507
4107
0.1457
0.1246
0.1128
0.487
4108
0.1794
0.1540
0.1402
0.560
4109
0.1849
0.1604
0.1494
0.511
4201
0.6430
0.5437
0.4785
0.452
4301
0.6938
0.6023
0.5631
0.528
4302
0.6210
0.5354
0.4936
0.481
4304
0.6987
0.6130
0.5847
0.476
4305
0.9799
0.8351
0.7472
0.494
4401
0.3298
0.2833
0.2585
0.524
4402
0.5130
0.4395
0.3999
0.508
4404
0.4831
0.4194
0.3917
0.455
4501
0.1412
0.1214
0.1108
0.574
4502
0.0468
0.0403
0.0370
0.476
4504
0.1160
0.1010
0.0956
0.566
4802
0.4141
0.3594
0.3359
0.487
4803
0.4236
0.3683
0.3462
0.566
4804
0.4612
0.4007
0.3745
0.504
4805
0.3260
0.2840
0.2680
0.555
4806
0.1421
0.1227
0.1131
0.598
4808
0.4512
0.3911
0.3639
0.460
4809
0.2241
0.1944
0.1820
0.538
4810
0.2159
0.1876
0.1756
0.520
4811
0.4186
0.3670
0.3505
0.500
4812
0.3442
0.2981
0.2781
0.479
4813
0.3084
0.2684
0.2530
0.562
4814
0.1036
0.0912
0.0881
0.554
4815
0.2653
0.2323
0.2215
0.560
4816
0.3219
0.2852
0.2786
0.514
4900
0.1053
0.0905
0.0833
0.440
4901
0.0319
0.0273
0.0247
0.476
4902
0.0557
0.0477
0.0436
0.511
4903
0.1668
0.1420
0.1270
0.537
4904
0.0108
0.0093
0.0086
0.534
4905
0.3523
0.3058
0.2860
0.527
4906
0.0911
0.0778
0.0702
0.537
4907
0.0440
0.0385
0.0372
0.604
4908
0.0818
0.0721
0.0698
0.606
4909
0.0327
0.0288
0.0279
0.606
4910
0.3992
0.3434
0.3141
0.488
4911
0.0545
0.0467
0.0430
0.459
5001
5.6417
4.8481
4.4349
0.349
5002
0.4760
0.4073
0.3686
0.520
5003
2.0318
1.7405
1.5754
0.397
5004
0.8044
0.7061
0.6717
0.401
5005
0.7569
0.6488
0.5906
0.394
5006
0.9124
0.7809
0.7080
0.380
5101
0.6826
0.5835
0.5268
0.444
5103
0.7380
0.6391
0.5958
0.512
5106
0.7380
0.6391
0.5958
0.512
5108
0.6847
0.5834
0.5212
0.526
5109
0.3604
0.3081
0.2799
0.494
5201
0.2323
0.2002
0.1855
0.550
5204
0.8745
0.7412
0.6539
0.452
5206
0.2957
0.2552
0.2357
0.434
5207
0.1462
0.1269
0.1189
0.557
5208
0.4475
0.3867
0.3595
0.475
5209
0.4386
0.3783
0.3496
0.490
5300
0.0677
0.0582
0.0533
0.506
5301
0.0196
0.0168
0.0155
0.518
5302
0.0049
0.0042
0.0039
0.462
5305
0.0431
0.0369
0.0333
0.561
5306
0.0338
0.0291
0.0267
0.543
5307
0.5665
0.4839
0.4357
0.493
5308
0.0772
0.0670
0.0631
0.521
6103
0.0813
0.0707
0.0665
0.584
6104
0.3068
0.2643
0.2433
0.519
6105
0.4458
0.3798
0.3409
0.509
6107
0.1565
0.1366
0.1305
0.646
6108
0.2241
0.1946
0.1835
0.597
6109
0.1007
0.0861
0.0778
0.513
6110
0.3596
0.3064
0.2748
0.518
6120
0.2688
0.2293
0.2067
0.502
6121
0.3819
0.3256
0.2924
0.500
6201
0.4428
0.3791
0.3431
0.535
6202
0.7457
0.6435
0.5942
0.520
6203
0.0880
0.0772
0.0745
0.609
6204
0.1032
0.0898
0.0849
0.522
6205
0.1701
0.1469
0.1357
0.555
6206
0.1724
0.1491
0.1388
0.551
6207
0.7566
0.6566
0.6094
0.457
6208
0.1939
0.1700
0.1626
0.570
6209
0.2399
0.2096
0.1997
0.526
6301
0.1076
0.0928
0.0853
0.423
6303
0.0390
0.0336
0.0307
0.513
6305
0.0956
0.0827
0.0770
0.579
6306
0.3450
0.2961
0.2701
0.546
6308
0.0692
0.0593
0.0538
0.512
6309
0.1979
0.1706
0.1573
0.548
6402
0.2130
0.1847
0.1729
0.587
6403
0.1446
0.1245
0.1145
0.575
6404
0.2822
0.2445
0.2276
0.526
6405
0.5107
0.4385
0.4001
0.510
6406
0.1478
0.1273
0.1171
0.567
6407
0.2467
0.2127
0.1961
0.547
6408
0.5257
0.4546
0.4217
0.487
6409
0.5815
0.4987
0.4542
0.458
6410
0.2577
0.2215
0.2030
0.538
6411
0.0444
0.0387
0.0368
0.511
6501
0.0781
0.0666
0.0600
0.555
6502
0.0160
0.0138
0.0128
0.503
6503
0.0716
0.0605
0.0532
0.515
6504
0.2329
0.2026
0.1912
0.591
6505
0.1394
0.1210
0.1139
0.631
6506
0.1013
0.0871
0.0797
0.533
6509
0.2165
0.1881
0.1768
0.562
6510
0.3407
0.2898
0.2586
0.416
6511
0.2314
0.1996
0.1839
0.571
6512
0.0814
0.0701
0.0641
0.471
6601
0.1912
0.1649
0.1510
0.511
6602
0.5426
0.4708
0.4384
0.485
6603
0.2424
0.2102
0.1968
0.537
6604
0.0533
0.0461
0.0427
0.531
6605
0.2435
0.2097
0.1934
0.570
6607
0.1094
0.0946
0.0878
0.566
6608
0.3500
0.2971
0.2658
0.376
6620
3.1082
2.6294
2.3140
0.583
6704
0.1133
0.0972
0.0884
0.569
6705
0.7436
0.6514
0.6233
0.584
6706
0.2030
0.1771
0.1681
0.519
6707
8.1554
7.1356
6.8460
0.685
6708
7.8573
6.9564
6.7760
0.482
6709
0.2242
0.1933
0.1788
0.556
6801
0.6073
0.5095
0.4368
0.532
6802
0.8676
0.7404
0.6635
0.529
6803
0.4345
0.3669
0.3232
0.427
6804
0.2382
0.2043
0.1862
0.542
6809
2.7416
2.3850
2.2458
0.525
6901
0.0198
0.0193
0.0233
0.827
6902
0.6391
0.5498
0.5034
0.423
6903
2.7800
2.3910
2.2000
0.316
6904
1.2461
1.0538
0.9311
0.401
6905
0.9121
0.7653
0.6706
0.378
6906
0.3340
0.3091
0.3279
0.556
6907
0.6911
0.5956
0.5489
0.552
6908
0.3645
0.3144
0.2896
0.525
6909
0.0975
0.0841
0.0778
0.515
7100
0.0135
0.0116
0.0103
0.516
7101
0.0208
0.0177
0.0161
0.419
7103
0.9311
0.7921
0.7065
0.454
7104
0.0227
0.0196
0.0177
0.507
7105
0.0159
0.0136
0.0124
0.511
7106
0.2261
0.1948
0.1791
0.546
7107
0.3683
0.3152
0.2851
0.548
7108
0.3086
0.2646
0.2407
0.607
7109
0.0913
0.0784
0.0715
0.512
7110
0.3905
0.3360
0.3075
0.459
7111
0.2860
0.2411
0.2104
0.467
7112
0.6242
0.5417
0.5072
0.531
7113
0.4425
0.3788
0.3424
0.565
7114
0.7039
0.6064
0.5569
0.585
7115
0.5878
0.5088
0.4718
0.544
7116
0.5504
0.4717
0.4274
0.510
7117
0.8665
0.7470
0.6867
0.515
7118
1.2609
1.0836
0.9898
0.477
7119
1.5027
1.2845
1.1553
0.489
7120
4.8995
4.1755
3.7361
0.494
7121
5.2636
4.5244
4.1468
0.338
7122
0.3308
0.2880
0.2702
0.526
7200
2.0507
1.7353
1.5264
0.465
7201
1.5510
1.3148
1.1609
0.488
7202
0.0149
0.0128
0.0118
0.494
7203
0.0819
0.0719
0.0692
0.573
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.5954
0.5217
0.4967
0.459
7302
0.8054
0.7057
0.6696
0.453
7307
0.3776
0.3264
0.3022
0.529
7308
0.2592
0.2250
0.2109
0.594
7309
0.1843
0.1607
0.1525
0.572
7400
2.3583
1.9955
1.7553
0.465
Expected Loss Rates in Dollars Per Sq. Ft.
of Wallboard Installed
((Class
2020
2021
2022
Primary Ratio
540
0.0123
0.0108
0.0091
0.459
541
0.0067
0.0059
0.0050
0.435
550
0.0274
0.0242
0.0209
0.338
551
0.0096
0.0085
0.0072
0.376))
Class
2021
2022
2023
Primary Ratio
540
0.0123
0.0106
0.0098
0.469
541
0.0062
0.0053
0.0049
0.445
550
0.0284
0.0245
0.0226
0.354
551
0.0096
0.0083
0.0077
0.361
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-890Table IV.
Maximum Experience Modifications
For Firms with No Compensable Accidents:
Effective January 1, ((2024))2025
Expected Loss Range
Maximum Experience Modification
((1
-
5,490
 
0.90
5,491
-
6,703
 
0.89
6,704
-
7,392
 
0.88
7,393
-
8,082
 
0.87
8,083
-
8,772
 
0.86
8,773
-
9,462
 
0.85
9,463
-
10,152
 
0.84
10,153
-
10,841
 
0.83
10,842
-
11,531
 
0.82
11,532
-
12,248
 
0.81
12,249
-
12,995
 
0.80
12,996
-
13,771
 
0.79
13,772
-
14,576
 
0.78
14,577
-
15,411
 
0.77
15,412
-
16,274
 
0.76
16,275
-
17,168
 
0.75
17,169
-
18,090
 
0.74
18,091
-
19,042
 
0.73
19,043
-
20,023
 
0.72
20,024
-
21,034
 
0.71
21,035
-
22,074
 
0.70
22,075
-
23,143
 
0.69
23,144
-
24,242
 
0.68
24,243
-
25,370
 
0.67
25,371
-
26,527
 
0.66
26,528
-
27,714
 
0.65
27,715
-
29,494
 
0.64
29,495
-
32,164
 
0.63
32,165
-
36,169
 
0.62
36,170
-
42,177
 
0.61
42,178
and higher
 
0.60))
1
-
5,435
 
0.90
5,436
-
6,636
 
0.89
6,637
-
7,319
 
0.88
7,320
-
8,002
 
0.87
8,003
-
8,685
 
0.86
8,686
-
9,368
 
0.85
9,369
-
10,051
 
0.84
10,052
-
10,735
 
0.83
10,736
-
11,418
 
0.82
11,419
-
12,128
 
0.81
12,129
-
12,868
 
0.80
12,869
-
13,636
 
0.79
13,637
-
14,433
 
0.78
14,434
-
15,260
 
0.77
15,261
-
16,115
 
0.76
16,116
-
17,000
 
0.75
17,001
-
17,913
 
0.74
17,914
-
18,856
 
0.73
18,857
-
19,827
 
0.72
19,828
-
20,828
 
0.71
20,829
-
21,858
 
0.70
21,859
-
22,916
 
0.69
22,917
-
24,004
 
0.68
24,005
-
25,120
 
0.67
25,121
-
26,266
 
0.66
26,267
-
27,441
 
0.65
27,442
-
29,202
 
0.64
29,203
-
31,845
 
0.63
31,846
-
35,810
 
0.62
35,811
-
41,756
 
0.61
41,757
and higher
 
0.60
AMENDATORY SECTION(Amending WSR 23-17-146, filed 8/22/23, effective 10/1/23)
WAC 296-17-901Risk classification hazard group table.
Effective October 1, 2023.
Risk Classification
Hazard Group
101
9
103
9
104
8
105
4
106
7
107
9
108
9
112
8
201
9
202
9
210
9
212
8
214
9
217
7
219
7
301
5
302
9
303
9
306
9
307
7
308
3
403
6
502
7
504
8
507
9
508
9
509
9
510
7
511
7
512
8
513
7
514
7
516
8
517
9
518
9
519
8
521
7
540
8
541
9
550
9
551
9
601
8
602
9
603
9
604
7
606
3
607
6
608
7
701
9
803
5
901
8
1002
7
1003
5
1004
6
1005
8
1006
4
1007
7
1101
5
1102
8
1103
7
1104
4
1105
6
1106
3
1108
5
1109
7
1301
6
1303
4
1304
4
1305
6
1401
5
1404
3
1405
4
1407
3
1408
5
1501
6
1507
4
1701
8
1702
9
1703
9
1704
7
1801
8
1802
8
2002
6
2004
2
2007
7
2008
3
2009
3
2101
5
2102
3
2103
2
2104
2
2105
3
2106
4
2201
3
2202
5
2203
2
2204
3
2401
6
2903
4
2904
7
2905
3
2906
6
2907
3
2908
4
2909
7
3101
6
3102
7
3103
7
3104
4
3105
5
3303
4
3304
3
3309
4
3402
6
3403
5
3404
4
3405
5
3406
1
3407
7
3408
2
3409
1
3410
1
3411
6
3412
8
3414
6
3415
6
3501
6
3503
3
3506
8
3509
1
3510
4
3511
6
3512
1
3513
3
3602
4
3603
6
3604
6
3605
4
3701
6
3702
3
3708
6
3802
4
3808
5
3901
1
3902
2
3903
2
3905
1
3906
3
3909
2
4101
4
4103
5
4107
6
4108
3
4109
4
4201
8
4301
4
4302
5
4304
5
4305
6
4401
3
4402
3
4404
4
4501
1
4502
6
4504
1
4802
5
4803
2
4804
3
4805
3
4806
1
4808
6
4809
4
4810
2
4811
3
4812
5
4813
3
4814
2
4815
1
4816
4
4900
8
4901
6
4902
4
4903
3
4904
2
4905
1
4906
3
4907
1
4908
1
4909
1
4910
5
4911
7
5001
9
5002
3
5003
9
5004
8
5005
9
5006
9
5101
7
5103
4
5106
4
5108
3
5109
6
5201
2
5204
8
5206
8
5207
2
5208
6
5209
6
5300
2
5301
5
5302
3
5305
3
5306
1
5307
4
5308
2
6103
1
6104
3
6105
6
6107
1
6108
1
6109
4
6110
4
6120
4
6121
4
6201
4
6202
4
6203
1
6204
2
6205
3
6206
1
6207
5
6208
1
6209
3
6301
8
6303
4
6305
1
6306
4
6308
5
6309
3
6402
1
6403
1
6404
3
6405
5
6406
1
6407
2
6408
7
6409
6
6410
2
6411
3
6501
1
6502
4
6503
2
6504
1
6505
1
6506
2
6509
2
6510
9
6511
1
6512
5
6601
4
6602
3
6603
2
6604
2
6605
2
6607
2
6608
9
6620
1
6704
1
6705
1
6706
3
6707
1
6708
6
6709
2
6801
2
6802
3
6803
9
6804
3
6809
1
6901
1
6902
8
6903
9
6904
6
6905
4
6906
1
6907
3
6908
5
6909
3
7100
4
7101
7
7103
5
7104
3
7105
3
7106
3
7107
1
7108
2
7109
3
7110
4
7111
5
7112
3
7113
3
7114
2
7115
3
7116
7
7117
4
7118
6
7119
5
7120
8
7121
7
7122
4
7200
7
7201
5
7202
3
7203
1
7301
6
7302
7
7307
2
7308
1
7309
1
7400
6
The following classes have no hazard group assigned to them
6618
 
6625
 
6626
 
6627
 
7204
 
7205
 
OTS-5842.1
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-895Industrial insurance accident fund base rates, stay at work and medical aid base rates by class of industry.
Industrial insurance accident fund, stay at work and medical aid fund base rates by class of industry shall be as set forth below.
Base Rates Effective
January 1, ((2024))2025
Class
Accident Fund
Stay at
Work
Medical Aid Fund
((101
1.4877
0.0227
0.5543
103
1.5929
0.0239
0.8860
104
1.2520
0.0191
0.4479
105
1.3124
0.0197
0.7101
106
3.3748
0.0503
2.0647
107
1.2683
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108
1.2520
0.0191
0.4479
112
1.0447
0.0158
0.4734
201
3.4864
0.0536
1.0267
202
2.6273
0.0402
0.9024
210
1.4479
0.0221
0.5287
212
1.2793
0.0193
0.5827
214
2.3252
0.0357
0.7117
217
1.3531
0.0205
0.5847
219
0.9941
0.0151
0.4249
301
1.2323
0.0185
0.6766
302
2.6965
0.0411
1.0067
303
2.4508
0.0373
0.9725
306
1.1022
0.0168
0.4276
307
1.0659
0.0161
0.5007
308
0.7231
0.0107
0.4620
403
2.0354
0.0309
0.8657
502
1.1293
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504
2.4401
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507
3.6133
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1.9782
508
2.4274
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0.6922
509
1.4626
0.0225
0.4028
510
2.9253
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1.4592
511
1.9058
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512
1.5414
0.0232
0.7458
513
1.2445
0.0189
0.5370
514
1.7357
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516
1.9385
0.0294
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517
2.2952
0.0349
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518
1.8522
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519
2.5143
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521
0.9268
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601
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602
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603
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604
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606
0.7478
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607
1.0648
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608
0.5889
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701
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803
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901
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1002
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1003
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1004
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1005
13.3138
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4.6604
1006
0.3313
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1007
0.4428
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0.2162
1101
1.5663
0.0237
0.7019
1102
2.3924
0.0366
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1103
1.5270
0.0232
0.6384
1104
0.8335
0.0125
0.4736
1105
1.0598
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1106
0.4889
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0.3165
1108
0.6867
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0.4008
1109
2.8511
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1.1736
1301
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1303
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1304
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1305
0.6753
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1401
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1404
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1405
1.0448
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0.5178
1407
0.8888
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1501
1.2413
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1507
0.5990
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1701
1.1472
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1702
2.0818
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1703
1.4303
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1704
1.1472
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1801
0.8398
0.0128
0.2994
1802
1.3437
0.0205
0.4791
2002
1.0465
0.0158
0.4954
2004
0.7771
0.0116
0.4813
2007
0.9359
0.0141
0.4885
2008
0.3251
0.0049
0.1921
2009
0.5092
0.0076
0.3313
2101
0.8575
0.0128
0.4940
2102
0.9187
0.0137
0.5384
2103
2.1598
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2104
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1.0526
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0.7155
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2201
0.4191
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2202
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0.4757
2203
0.6598
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0.4355
2204
0.4191
0.0062
0.3135
2401
0.6550
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0.2959
2903
0.7874
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2904
0.9723
0.0147
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2905
0.7057
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0.4559
2906
0.7879
0.0118
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2907
0.5454
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2908
1.0308
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2909
0.5502
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3101
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1.1487
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3303
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3304
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3309
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3402
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3403
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3404
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3405
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3406
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3407
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3408
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3409
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3410
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3411
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3414
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3415
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3501
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3503
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3513
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3602
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3603
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3802
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3901
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3902
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3903
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3905
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3906
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3909
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4101
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4802
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4803
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4804
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4805
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4806
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4808
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4809
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4812
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5300
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6110
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6120
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6203
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0.1550
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6205
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6301
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6510
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6512
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6601
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6602
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6620
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6705
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6801
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6901
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6902
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6903
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6904
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7100
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201
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210
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212
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214
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219
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306
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403
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504
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507
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509
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521
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601
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602
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603
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604
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606
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608
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701
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803
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1002
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1003
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1005
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1006
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1007
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1101
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1103
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1109
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1301
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1303
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1304
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1305
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1401
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1701
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1702
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1703
1.5263
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0.4588
1704
1.1708
0.0174
0.4996
1801
0.9083
0.0136
0.3058
1802
1.4533
0.0218
0.4892
2002
1.0947
0.0163
0.4748
2004
0.7996
0.0117
0.4787
2007
0.9444
0.0139
0.4848
2008
0.3508
0.0052
0.1825
2009
0.5198
0.0076
0.3254
2101
0.8889
0.0130
0.5040
2102
0.9108
0.0134
0.5057
2103
2.3396
0.0348
1.0157
2104
0.4244
0.0060
0.4057
2105
1.2772
0.0190
0.5262
2106
0.7755
0.0114
0.4375
2201
0.4564
0.0066
0.3133
2202
1.1425
0.0170
0.4993
2203
0.7238
0.0106
0.4358
2204
0.4564
0.0066
0.3133
2401
0.6723
0.0100
0.2786
2903
0.8119
0.0118
0.5037
2904
0.9880
0.0147
0.4255
2905
0.7699
0.0113
0.4660
2906
0.7951
0.0117
0.4317
2907
0.5769
0.0084
0.3901
2908
1.0506
0.0153
0.6635
2909
0.5993
0.0087
0.3840
3101
1.1106
0.0165
0.5297
3102
0.4610
0.0069
0.1811
3103
0.5270
0.0078
0.2367
3104
1.0323
0.0151
0.5923
3105
1.2036
0.0176
0.7355
3303
0.5794
0.0086
0.2841
3304
0.9762
0.0143
0.5673
3309
0.6091
0.0090
0.2837
3402
0.6148
0.0090
0.3385
3403
0.2138
0.0032
0.1027
3404
0.8571
0.0127
0.4038
3405
0.3846
0.0057
0.2052
3406
0.3551
0.0052
0.1929
3407
1.3725
0.0206
0.4930
3408
0.4010
0.0060
0.1745
3409
0.2372
0.0035
0.1393
3410
0.2372
0.0035
0.1393
3411
0.7201
0.0107
0.3066
3412
1.1769
0.0177
0.3879
3414
1.2339
0.0184
0.5207
3415
2.0485
0.0305
0.8977
3501
0.4963
0.0072
0.3033
3503
0.4989
0.0073
0.2657
3506
1.2280
0.0184
0.4561
3509
0.6904
0.0102
0.3377
3510
0.5178
0.0075
0.3486
3511
1.1723
0.0172
0.6619
3512
0.5121
0.0075
0.3109
3513
0.7297
0.0108
0.3369
3602
0.1341
0.0020
0.0707
3603
0.6732
0.0099
0.3719
3604
1.2986
0.0191
0.6794
3605
0.6148
0.0090
0.3385
3701
0.4610
0.0069
0.1811
3702
0.4693
0.0069
0.2708
3708
0.9337
0.0138
0.4445
3802
0.2681
0.0039
0.1529
3808
0.5762
0.0085
0.2676
3901
0.1676
0.0024
0.1271
3902
0.7332
0.0107
0.4506
3903
1.0610
0.0155
0.6521
3905
0.1759
0.0025
0.1309
3906
0.7311
0.0107
0.4519
3909
0.3436
0.0050
0.2315
4101
0.2686
0.0039
0.1646
4103
0.8567
0.0126
0.4847
4107
0.2901
0.0043
0.1146
4108
0.2818
0.0041
0.1544
4109
0.3092
0.0045
0.1844
4201
1.4710
0.0223
0.3823
4301
1.0881
0.0158
0.7007
4302
1.1659
0.0173
0.5505
4304
1.0677
0.0154
0.7691
4305
1.9552
0.0293
0.7173
4401
0.5794
0.0086
0.2841
4402
0.9818
0.0146
0.4278
4404
0.8780
0.0129
0.4567
4501
0.2339
0.0034
0.1309
4502
0.0901
0.0013
0.0400
4504
0.1727
0.0025
0.1305
4802
0.7033
0.0103
0.4009
4803
0.6021
0.0087
0.4548
4804
0.7455
0.0109
0.4586
4805
0.4774
0.0069
0.3580
4806
0.1988
0.0029
0.1390
4808
0.8203
0.0121
0.4202
4809
0.3625
0.0053
0.2326
4810
0.3431
0.0050
0.2211
4811
0.6405
0.0092
0.4771
4812
0.6298
0.0093
0.3272
4813
0.4266
0.0061
0.3331
4900
0.2182
0.0033
0.0869
4901
0.0695
0.0010
0.0248
4902
0.1037
0.0015
0.0464
4903
0.3190
0.0048
0.1275
4904
0.0188
0.0003
0.0102
4905
0.5506
0.0080
0.3561
4906
0.1761
0.0026
0.0747
4907
0.0686
0.0010
0.0591
4908
0.1204
0.0017
0.1143
4909
0.0482
0.0007
0.0457
4910
0.7468
0.0111
0.3395
4911
0.1104
0.0016
0.0454
5001
13.1763
0.1986
4.0792
5002
0.8918
0.0133
0.3898
5003
4.4756
0.0674
1.4471
5004
1.4083
0.0206
0.8348
5005
1.6891
0.0254
0.5504
5006
2.0933
0.0316
0.6337
5101
1.4450
0.0217
0.4998
5103
1.3191
0.0194
0.7405
5106
1.3191
0.0194
0.7405
5108
1.2916
0.0193
0.5180
5109
0.7334
0.0110
0.2892
5201
0.3955
0.0058
0.2251
5204
1.9345
0.0292
0.5379
5206
0.5997
0.0089
0.2556
5207
0.2264
0.0033
0.1556
5208
0.8685
0.0129
0.4180
5209
0.8388
0.0124
0.4055
5300
0.1267
0.0019
0.0582
5301
0.0353
0.0005
0.0182
5302
0.0102
0.0002
0.0041
5305
0.0762
0.0011
0.0364
5306
0.0593
0.0009
0.0304
5307
1.0993
0.0164
0.4263
5308
0.1335
0.0019
0.0815
6103
0.1177
0.0017
0.0894
6104
0.5439
0.0080
0.2790
6105
0.9336
0.0140
0.3433
6107
0.2121
0.0030
0.2025
6108
0.3701
0.0054
0.2618
6109
0.2108
0.0031
0.0828
6110
0.7393
0.0111
0.2777
6120
0.5769
0.0086
0.2122
6121
0.7950
0.0119
0.2883
6201
0.8118
0.0120
0.3755
6202
1.2873
0.0189
0.6953
6203
0.1177
0.0017
0.1149
6204
0.1665
0.0024
0.1107
6205
0.2765
0.0040
0.1662
6206
0.2811
0.0041
0.1740
6207
1.3313
0.0196
0.7032
6208
0.2593
0.0037
0.2341
6209
0.3586
0.0052
0.2686
6301
0.2213
0.0033
0.0890
6303
0.0731
0.0011
0.0339
6305
0.1393
0.0020
0.0972
6306
0.5954
0.0088
0.3045
6308
0.1253
0.0019
0.0565
6309
0.3203
0.0047
0.1868
6402
0.3169
0.0046
0.2305
6403
0.2202
0.0032
0.1365
6404
0.4439
0.0065
0.2747
6405
0.9230
0.0137
0.4320
6406
0.2309
0.0034
0.1399
6407
0.4017
0.0059
0.2319
6408
0.9388
0.0138
0.4855
6409
1.1713
0.0175
0.4593
6410
0.4579
0.0068
0.2343
6411
0.0682
0.0010
0.0491
6501
0.1359
0.0020
0.0628
6502
0.0294
0.0004
0.0151
6503
0.1516
0.0023
0.0464
6504
0.3319
0.0048
0.2657
6505
0.1801
0.0026
0.1593
6506
0.1741
0.0026
0.0896
6509
0.3638
0.0053
0.2417
6510
0.7777
0.0118
0.2180
6511
0.3562
0.0052
0.2224
6512
0.1518
0.0023
0.0681
6601
0.3279
0.0048
0.1706
6602
0.9056
0.0133
0.5151
6603
0.4005
0.0058
0.2502
6604
0.0917
0.0013
0.0522
6605
0.4398
0.0065
0.2469
6607
0.1698
0.0025
0.1108
6608
0.8816
0.0134
0.2130
6620
5.8246
0.0871
2.2633
6704
0.1878
0.0028
0.1008
6705
0.9531
0.0134
0.8987
6706
0.3182
0.0046
0.2210
6707
9.4089
0.1293
11.0873
6708
11.2966
0.1604
9.8933
6709
0.3665
0.0054
0.2170
6801
1.2757
0.0193
0.3325
6802
1.5573
0.0232
0.6618
6803
1.0372
0.0158
0.2424
6804
0.4225
0.0062
0.2082
6809
4.4939
0.0654
2.9356
6901
0.0000
0.0000
0.0748
6902
1.3030
0.0195
0.5041
6903
6.7388
0.1017
1.9662
6904
3.0710
0.0467
0.7006
6905
2.4863
0.0380
0.4182
6906
0.0000
0.0000
0.6341
6907
1.1490
0.0169
0.6594
6908
0.6210
0.0091
0.3379
6909
0.1768
0.0026
0.0922
7100
0.0277
0.0004
0.0102
7101
0.0474
0.0007
0.0158
7103
1.9863
0.0299
0.6188
7104
0.0426
0.0006
0.0188
7105
0.0298
0.0004
0.0133
7106
0.3569
0.0052
0.2049
7107
0.6380
0.0094
0.3070
7108
0.4527
0.0066
0.2800
7109
0.1686
0.0025
0.0782
7110
0.7366
0.0110
0.3183
7111
0.6948
0.0105
0.1688
7112
0.9209
0.0134
0.6150
7113
0.7337
0.0108
0.3762
7114
1.0638
0.0155
0.6763
7115
0.8854
0.0129
0.5695
7116
0.9889
0.0147
0.4426
7117
1.5082
0.0222
0.7868
7118
2.4151
0.0359
1.0488
7119
2.8786
0.0430
1.1312
7120
9.7758
0.1465
3.5865
7121
12.4469
0.1877
3.7784
7122
0.4990
0.0072
0.3472
7200
4.6551
0.0704
1.2612
7201
3.2588
0.0491
1.0007
7202
0.0275
0.0004
0.0127
7203
0.1205
0.0017
0.1035
7204
0.0000
0.0000
0.0000
7205
0.0000
0.0000
0.0000
7301
0.9856
0.0143
0.6445
7302
1.3069
0.0190
0.8547
7307
0.5921
0.0087
0.3533
7308
0.3776
0.0054
0.2866
7309
0.2683
0.0038
0.2127
7400
5.3532
0.0810
1.4504
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-89502Industrial insurance accident fund, stay at work, medical aid and supplemental pension rates by class of industry for nonhourly rated classifications.
The base rates as set forth below are for classifications whose premium rates are based on units other than hours worked.
Base Rates Effective
January 1, ((2024))2025
Class
Accident Fund
Stay at Work
Medical Aid Fund
Supplemental Pension Fund
((540
0.0220
0.0003
0.0107
0.0014
541
0.0126
0.0002
0.0057
0.0014
550
0.0573
0.0009
0.0215
0.0014
551
0.0191
0.0003
0.0076
0.0014))
540
0.0237
0.0004
0.0106
0.0014
541
0.0128
0.0002
0.0053
0.0014
550
0.0632
0.0009
0.0224
0.0014
551
0.0211
0.0003
0.0077
0.0014
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-89507Horse racing rates.
Horse racing industry industrial insurance accident fund, stay at work fund, medical aid fund, supplemental pension fund and composite rate by class.
Base Rates Effective
January 1, ((2024))2025
Class
Accident Fund
Stay at Work
Medical Aid Fund
Supplemental Pension Fund
Composite Rate
((6618
74.00*
1.00*
74.00*
1.00*
150.00*
6625
89.44**
1.54**
80.21**
17.10**
188.29**
6626
0.7101***
0.0123***
0.6866***
0.1710***
1.5800***
6627
12.7540****
0.2200****
9.1630****
1.2830****
23.4200****))
6618
74.00*
1.00*
74.00*
1.00*
150.00*
6625
99.59**
1.70**
81.11**
17.58**
199.98**
6626
0.8527***
0.0145***
0.7270***
0.1758***
1.7700***
6627
13.7170****
0.2340****
9.1500****
1.3190****
24.4200****
*This rate is calculated on a percentage of ownership in a horse or horses.
**This rate is calculated per month.
***This rate is calculated per horse per day.
****This rate is calculated per day.
Note:
These rates are not subject to experience rating or retrospective rating.
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-89508Farm internship program industrial insurance, accident fund, stay at work fund, medical aid fund, and supplemental pension by class.
Base Rates Effective
January 1, ((2024))2025
Class
Accident Fund
Stay at Work Fund
Medical Aid Fund
Supplemental Pension Fund
((4814
0.1233
0.0018
0.1298
0.1710
4815
0.3197
0.0046
0.3109
0.1710
4816
0.3783
0.0054
0.4197
0.1710))
4814
0.1293
0.0018
0.1323
0.1758
4815
0.3701
0.0052
0.3411
0.1758
4816
0.3432
0.0048
0.3302
0.1758
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17-920Assessment for supplemental pension fund.
The amount of ((85.5 mils ($0.0855)))87.9 mils ($0.0879) shall be retained by each employer from the earnings of each worker for each hour or fraction thereof the worker is employed. The amount of money so retained from the employee shall be matched in an equal amount by each employer, except as otherwise provided in these rules, all such moneys shall be remitted to the department on or before the last day of January, April, July, and October of each year for the preceding calendar quarter, provided self-insured employers shall remit to the department as provided under WAC 296-15-229. All such moneys shall be deposited in the supplemental pension fund.
OTS-5843.1
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17B-540Determining 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 discounted loss development factors to determine the initial loss incurred.
If you have a fatality, we will use (($544,000))$576,200 as the claim's initial incurred loss for the claim, with (($507,800))$537,700 for accident fund incurred loss and (($36,200))$38,500 for the medical aid incurred loss, 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.
AMENDATORY SECTION(Amending WSR 23-24-039, filed 11/30/23, effective 1/1/24)
WAC 296-17B-900Retrospective rating plans standard premium size ranges.
RETROSPECTIVE RATING STANDARD PREMIUM SIZE RANGES
Effective January 1, ((2024))2025
Size Group Number
Standard Premium Range
 
From:
 
To:
((1
5,660
-
6,599
2
6,600
-
7,459
3
7,460
-
8,399
4
8,400
-
9,409
5
9,410
-
10,479
6
10,480
-
11,629
7
11,630
-
12,869
8
12,870
-
14,169
9
14,170
-
15,559
10
15,560
-
17,019
11
17,020
-
18,559
12
18,560
-
20,229
13
20,230
-
21,979
14
21,980
-
23,849
15
23,850
-
25,809
16
25,810
-
27,889
17
27,890
-
30,109
18
30,110
-
32,439
19
32,440
-
34,919
20
34,920
-
37,519
21
37,520
-
40,319
22
40,320
-
43,269
23
43,270
-
46,409
24
46,410
-
49,729
25
49,730
-
53,279
26
53,280
-
57,049
27
57,050
-
61,059
28
61,060
-
65,319
29
65,320
-
69,869
30
69,870
-
74,729
31
74,730
-
79,929
32
79,930
-
85,499
33
85,500
-
91,469
34
91,470
-
97,879
35
97,880
-
104,799
36
104,800
-
112,299
37
112,300
-
120,299
38
120,300
-
128,899
39
128,900
-
138,199
40
138,200
-
148,199
41
148,200
-
159,099
42
159,100
-
170,599
43
170,600
-
183,099
44
183,100
-
196,799
45
196,800
-
211,599
46
211,600
-
227,499
47
227,500
-
244,699
48
244,700
-
264,099
49
264,100
-
284,799
50
284,800
-
307,499
51
307,500
-
332,799
52
332,800
-
360,799
53
360,800
-
392,399
54
392,400
-
427,299
55
427,300
-
466,599
56
466,600
-
511,299
57
511,300
-
561,799
58
561,800
-
619,899
59
619,900
-
687,199
60
687,200
-
765,699
61
765,700
-
857,899
62
857,900
-
967,199
63
967,200
-
1,099,999
64
1,100,000
-
1,263,999
65
1,264,000
-
1,468,999
66
1,469,000
-
1,733,999
67
1,734,000
-
2,081,999
68
2,082,000
-
2,568,999
69
2,569,000
-
3,285,999
70
3,286,000
-
4,468,999
71
4,469,000
-
6,698,999
72
6,699,000
-
12,259,999
73
12,260,000
-
31,359,999
74
31,360,000
-
and over))
1
5,890
-
6,869
2
6,870
-
7,769
3
7,770
-
8,739
4
8,740
-
9,799
5
9,800
-
10,909
6
10,910
-
12,109
7
12,110
-
13,399
8
13,400
-
14,749
9
14,750
-
16,199
10
16,200
-
17,719
11
17,720
-
19,319
12
19,320
-
21,059
13
21,060
-
22,879
14
22,880
-
24,829
15
24,830
-
26,869
16
26,870
-
29,029
17
29,030
-
31,339
18
31,340
-
33,769
19
33,770
-
36,349
20
36,350
-
39,059
21
39,060
-
41,969
22
41,970
-
45,039
23
45,040
-
48,309
24
48,310
-
51,769
25
51,770
-
55,459
26
55,460
-
59,389
27
59,390
-
63,559
28
63,560
-
67,999
29
68,000
-
72,729
30
72,730
-
77,789
31
77,790
-
83,209
32
83,210
-
89,009
33
89,010
-
95,219
34
95,220
-
101,899
35
101,900
-
109,099
36
109,100
-
116,899
37
116,900
-
125,199
38
125,200
-
134,199
39
134,200
-
143,899
40
143,900
-
154,299
41
154,300
-
165,599
42
165,600
-
177,599
43
177,600
-
190,599
44
190,600
-
204,899
45
204,900
-
220,299
46
220,300
-
236,799
47
236,800
-
254,699
48
254,700
-
274,899
49
274,900
-
296,499
50
296,500
-
320,099
51
320,100
-
346,399
52
346,400
-
375,599
53
375,600
-
408,499
54
408,500
-
444,799
55
444,800
-
485,699
56
485,700
-
532,299
57
532,300
-
584,799
58
584,800
-
645,299
59
645,300
-
715,399
60
715,400
-
797,099
61
797,100
-
893,099
62
893,100
-
1,006,999
63
1,007,000
-
1,144,999
64
1,145,000
-
1,315,999
65
1,316,000
-
1,528,999
66
1,529,000
-
1,804,999
67
1,805,000
-
2,166,999
68
2,167,000
-
2,673,999
69
2,674,000
-
3,420,999
70
3,421,000
-
4,651,999
71
4,652,000
-
6,973,999
72
6,974,000
-
12,759,999
73
12,760,000
-
32,649,999
74
32,650,000
-
and over