WSR 17-19-113
PROPOSED RULES
DEPARTMENT OF
LABOR AND INDUSTRIES
[Filed September 20, 2017, 10:25 a.m.]
Original Notice.
Preproposal statement of inquiry was filed as WSR 17-13-103.
Title of Rule and Other Identifying Information: 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 24, 2017, at 10:00 a.m., at the Everett Community College, Corporate and Continuing Education Center, 2333 Seaway Boulevard, Everett, WA 98203; on October 25, 2017, at 9:00 a.m., at Spokane CenterPlace, 2426 North Discovery Place, Spokane Valley, WA 99216; on October 26, 2017, at 9:00 a.m., at the Richland Community Center, Meeting Room, 500 Amon Drive, Richland, WA 99352; on October 27, 2017, at 10:00 a.m., at the Vancouver Northwest Regional Training Center, Rainier Room, 11606 N.E. 66th Street, Suite 103, Vancouver, WA 98662; on October 30, 2017, at 10:00 a.m., at Labor and Industries Tumwater Headquarters Auditorium, 7273 Linderson Way S.W., Tumwater, WA 98501; and on November 1, 2017, at 10:00 a.m., at Labor and Industries Tukwila, 12806 Gateway Drive South, Tukwila, WA 98168.
Date of Intended Adoption: November 30, 2017.
Submit Written Comments to: Jo Anne Attwood, P.O. Box 44148, Olympia, WA 98504-4148, email JoAnne.Attwood@Lni.wa.gov, fax 360-902-4988, by November 1, 2017, at 5:00 p.m.
Assistance for Persons with Disabilities: Contact Jo Anne Attwood, phone 360-902-4777, fax 360-902-4988, TTY 360-902-5797, email JoAnne.Attwood@Lni.wa.gov, by October 16, 2017.
Purpose of the Proposal and Its Anticipated Effects, Including Any Changes in Existing Rules: This rule proposal will amend 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 2018. Classification base rates were amended for updated loss and payroll experience. The department proposes a 2.5 percent overall average premium rate decrease.
This rule making is also notice that the director intends to transfer the amount of the accident and medical-aid funds combined that exceed ten percent of funded liabilities as required by RCW 51.44.023.
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, 296-17-901 Risk classification hazard group table Class 6411 added, 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: The department's decision to decrease overall rates by an overall average of 2.5 percent is intended to ensure adequate premiums to cover expected losses for 2018 claims and to maintain the trust funds' 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.
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: Department of labor and industries, governmental.
Name of Agency Personnel Responsible for Drafting: Jo Anne Attwood, Tumwater, Washington, 360-902-4777; Implementation: Chris Bowe, Tumwater, Washington, 360-902-4826; and Enforcement: Victoria Kennedy, Tumwater, Washington, 360-902-4997.
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. 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 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.
September 20, 2017
Joel Sacks
Director
AMENDATORY SECTION (Amending WSR 16-24-014, filed 11/29/16, effective 1/1/17)
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 $((2,820)) 2,930 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
300
 
Medical Only
 
0
 
0
 
0
 
3,000
 
Medical Only
 
((180)) 70
 
((180)) 70
 
0
 
3,000
 
Time Loss
 
3,000
 
3,000
 
0
 
30,000
 
Medical Only
 
((27,180))
27,070
 
((23,830))
23,779
 
((3,350))
3,291
 
30,000
 
Time Loss
 
30,000
 
25,070
 
4,930
 
130,000
 
PPD
 
130,000
 
40,810
 
89,190
 
500,000
 
TPD Pension
 
((275,499))
277,022
 
((45,318))
45,342
 
((230,181))
231,680
 
2,000,000
 
TPD Pension
 
((275,499))
277,022
 
((45,318))
45,342
 
((230,181))
231,680
 
Note:
The deduction, $((2,820)) 2,930, 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 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.
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 16-24-014, filed 11/29/16, effective 1/1/17)
WAC 296-17-875 Table I.
Primary Losses for Selected Claim Values
Effective January 1, ((2017)) 2018
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
 
 
((275,499))
277,022
**
((45,318))
45,342
 
**
Maximum claim value
AMENDATORY SECTION (Amending WSR 16-24-014, filed 11/29/16, effective 1/1/17)
WAC 296-17-880 Table II.
PRIMARY AND EXCESS CREDIBILITY VALUES
Effective January 1, ((2017)) 2018
Maximum Claim Value = $((275,499)) 277,022
Average Death Value = $((275,499)) 277,022
Expected Losses
Primary Credibility
Excess Credibility
((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%))
 
0
-
6,416
12%
 
7%
 
6,417
-
6,849
13%
 
7%
 
6,850
-
7,287
14%
 
7%
 
7,288
-
7,730
15%
 
7%
 
7,731
-
8,178
16%
 
7%
 
8,179
-
8,632
17%
 
7%
 
8,633
-
9,092
18%
 
7%
 
9,093
-
9,558
19%
 
7%
 
9,559
-
10,028
20%
 
7%
 
10,029
-
10,507
21%
 
7%
 
10,508
-
10,992
22%
 
7%
 
10,993
-
11,484
23%
 
7%
 
11,485
-
11,983
24%
 
7%
 
11,984
-
12,491
25%
 
7%
 
12,492
-
13,008
26%
 
7%
 
13,009
-
13,530
27%
 
7%
 
13,531
-
14,063
28%
 
7%
 
14,064
-
14,604
29%
 
7%
 
14,605
-
15,156
30%
 
7%
 
15,157
-
15,721
31%
 
7%
 
15,722
-
16,292
32%
 
7%
 
16,293
-
16,878
33%
 
7%
 
16,879
-
17,476
34%
 
7%
 
17,477
-
18,087
35%
 
7%
 
18,088
-
18,712
36%
 
7%
 
18,713
-
19,352
37%
 
7%
 
19,353
-
20,013
38%
 
7%
 
20,014
-
20,686
39%
 
7%
 
20,687
-
21,382
40%
 
7%
 
21,383
-
22,098
41%
 
7%
 
22,099
-
22,838
42%
 
7%
 
22,839
-
23,603
43%
 
7%
 
23,604
-
24,397
44%
 
7%
 
24,398
-
25,222
45%
 
7%
 
25,223
-
26,086
46%
 
7%
 
26,087
-
26,989
47%
 
7%
 
26,990
-
27,943
48%
 
7%
 
27,944
-
28,955
49%
 
7%
 
28,956
-
30,032
50%
 
7%
 
30,033
-
31,197
51%
 
7%
 
31,198
-
32,473
52%
 
7%
 
32,474
-
33,894
53%
 
7%
 
33,895
-
34,039
54%
 
7%
 
34,040
-
35,532
54%
 
8%
 
35,533
-
37,534
55%
 
8%
 
37,535
-
56,805
56%
 
8%
 
56,806
-
62,610
57%
 
8%
 
62,611
-
89,430
57%
 
9%
 
89,431
-
92,111
57%
 
10%
 
92,112
-
116,415
58%
 
10%
 
116,416
-
127,415
58%
 
11%
 
127,416
-
143,568
59%
 
11%
 
143,569
-
162,722
59%
 
12%
 
162,723
-
170,884
60%
 
12%
 
170,885
-
198,029
60%
 
13%
 
198,030
-
198,375
61%
 
13%
 
198,376
-
226,036
61%
 
14%
 
226,037
-
233,333
61%
 
15%
 
233,334
-
253,870
62%
 
15%
 
253,871
-
268,640
62%
 
16%
 
268,641
-
281,877
63%
 
16%
 
281,878
-
303,946
63%
 
17%
 
303,947
-
310,062
64%
 
17%
 
310,063
-
338,424
64%
 
18%
 
338,425
-
339,250
64%
 
19%
 
339,251
-
366,969
65%
 
19%
 
366,970
-
374,557
65%
 
20%
 
374,558
-
395,691
66%
 
20%
 
395,692
-
409,863
66%
 
21%
 
409,864
-
424,597
67%
 
21%
 
424,598
-
445,169
67%
 
22%
 
445,170
-
453,689
68%
 
22%
 
453,690
-
480,472
68%
 
23%
 
480,473
-
482,967
69%
 
23%
 
482,968
-
512,433
69%
 
24%
 
512,434
-
515,778
69%
 
25%
 
515,779
-
542,089
70%
 
25%
 
542,090
-
551,086
70%
 
26%
 
551,087
-
571,938
71%
 
26%
 
571,939
-
586,392
71%
 
27%
 
586,393
-
601,981
72%
 
27%
 
601,982
-
621,697
72%
 
28%
 
621,698
-
632,219
73%
 
28%
 
632,220
-
657,003
73%
 
29%
 
657,004
-
662,654
74%
 
29%
 
662,655
-
692,309
74%
 
30%
 
692,310
-
693,292
75%
 
30%
 
693,293
-
724,128
75%
 
31%
 
724,129
-
727,615
75%
 
32%
 
727,616
-
755,170
76%
 
32%
 
755,171
-
762,921
76%
 
33%
 
762,922
-
786,415
77%
 
33%
 
786,416
-
798,226
77%
 
34%
 
798,227
-
817,872
78%
 
34%
 
817,873
-
833,532
78%
 
35%
 
833,533
-
849,535
79%
 
35%
 
849,536
-
868,838
79%
 
36%
 
868,839
-
881,411
80%
 
36%
 
881,412
-
904,142
80%
 
37%
 
904,143
-
913,502
81%
 
37%
 
913,503
-
939,450
81%
 
38%
 
939,451
-
945,808
82%
 
38%
 
945,809
-
974,756
82%
 
39%
 
974,757
-
978,334
83%
 
39%
 
978,335
-
1,010,062
83%
 
40%
 
1,010,063
-
1,011,079
84%
 
40%
 
1,011,080
-
1,044,047
84%
 
41%
 
1,044,048
-
1,045,365
84%
 
42%
 
1,045,366
-
1,077,239
85%
 
42%
 
1,077,240
-
1,080,672
85%
 
43%
 
1,080,673
-
1,110,662
86%
 
43%
 
1,110,663
-
1,115,979
86%
 
44%
 
1,115,980
-
1,144,312
87%
 
44%
 
1,144,313
-
1,151,284
87%
 
45%
 
1,151,285
-
1,178,196
88%
 
45%
 
1,178,197
-
1,186,591
88%
 
46%
 
1,186,592
-
1,212,313
89%
 
46%
 
1,212,314
-
1,221,895
89%
 
47%
 
1,221,896
-
1,246,670
90%
 
47%
 
1,246,671
-
1,257,202
90%
 
48%
 
1,257,203
-
1,281,263
91%
 
48%
 
1,281,264
-
1,292,506
91%
 
49%
 
1,292,507
-
1,316,099
92%
 
49%
 
1,316,100
-
1,327,814
92%
 
50%
 
1,327,815
-
1,351,180
93%
 
50%
 
1,351,181
-
1,363,119
93%
 
51%
 
1,363,120
-
1,386,510
94%
 
51%
 
1,386,511
-
1,398,424
94%
 
52%
 
1,398,425
-
1,422,088
95%
 
52%
 
1,422,089
-
1,433,730
95%
 
53%
 
1,433,731
-
1,457,918
96%
 
53%
 
1,457,919
-
1,469,036
96%
 
54%
 
1,469,037
-
1,494,004
97%
 
54%
 
1,494,005
-
1,504,341
97%
 
55%
 
1,504,342
-
1,530,347
98%
 
55%
 
1,530,348
-
1,539,647
98%
 
56%
 
1,539,648
-
1,566,951
99%
 
56%
 
1,566,952
-
1,574,952
99%
 
57%
 
1,574,953
-
1,603,819
100%
 
57%
 
1,603,820
-
1,640,954
100%
 
58%
 
1,640,955
-
1,678,358
100%
 
59%
 
1,678,359
-
1,716,033
100%
 
60%
 
1,716,034
-
1,753,984
100%
 
61%
 
1,753,985
-
1,792,213
100%
 
62%
 
1,792,214
-
1,830,724
100%
 
63%
 
1,830,725
-
1,869,518
100%
 
64%
 
1,869,519
-
1,908,600
100%
 
65%
 
1,908,601
-
1,947,972
100%
 
66%
 
1,947,973
-
1,987,640
100%
 
67%
 
1,987,641
-
2,027,605
100%
 
68%
 
2,027,606
-
2,067,870
100%
 
69%
 
2,067,871
-
2,108,438
100%
 
70%
 
2,108,439
-
2,149,316
100%
 
71%
 
2,149,317
-
2,190,505
100%
 
72%
 
2,190,506
-
2,232,006
100%
 
73%
 
2,232,007
-
2,273,828
100%
 
74%
 
2,273,829
-
2,315,968
100%
 
75%
 
2,315,969
-
2,358,438
100%
 
76%
 
2,358,439
-
2,401,234
100%
 
77%
 
2,401,235
-
2,444,365
100%
 
78%
 
2,444,366
-
2,487,833
100%
 
79%
 
2,487,834
-
2,531,642
100%
 
80%
 
2,531,643
-
2,575,799
100%
 
81%
 
2,575,800
-
2,620,301
100%
 
82%
 
2,620,302
-
2,665,159
100%
 
83%
 
2,665,160
-
2,710,371
100%
 
84%
 
2,710,372
-
2,755,950
100%
 
85%
 
2,755,951
and higher
100%
 
86%
 
AMENDATORY SECTION (Amending WSR 16-24-014, filed 11/29/16, effective 1/1/17)
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, ((2017)) 2018
Class
((2013))
2014
((2014))
2015
((2015))
2016
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
2.1793
1.9416
1.6373
0.441
0511
1.4695
1.2864
1.0568
0.475
0512
1.2032
1.0571
0.8716
0.476
0513
0.8368
0.7345
0.6040
0.471
0514
1.4923
1.2995
1.0501
0.511
0516
1.3816
1.2218
1.0210
0.445
0517
1.9405
1.7384
1.4860
0.406
0518
1.0969
0.9700
0.8148
0.427
0519
1.3979
1.2205
0.9947
0.490
0521
0.4637
0.4077
0.3344
0.503
0601
0.4668
0.4082
0.3329
0.494
0602
0.6278
0.5498
0.4566
0.425
0603
0.6331
0.5578
0.4653
0.434
0604
1.0383
0.9245
0.7774
0.460
0606
0.5808
0.5025
0.3979
0.563
0607
0.7216
0.6358
0.5265
0.468
0608
0.3335
0.2900
0.2341
0.509
0701
1.4527
1.2647
1.0476
0.409
0803
0.5205
0.4490
0.3546
0.558
0901
1.0969
0.9700
0.8148
0.427
1002
0.8472
0.7433
0.6101
0.487
1003
0.6808
0.5972
0.4888
0.492
1004
0.4347
0.3773
0.3035
0.499
1005
7.6938
6.7629
5.5848
0.443
1006
0.1675
0.1433
0.1110
0.591
1007
0.2805
0.2453
0.2008
0.475
1101
0.8483
0.7393
0.5978
0.511
1102
1.3973
1.2259
1.0097
0.458
1103
1.0300
0.9051
0.7461
0.472
1104
0.6514
0.5698
0.4605
0.535
1105
0.7696
0.6789
0.5636
0.467
1106
0.2856
0.2538
0.2109
0.509
1108
0.5020
0.4410
0.3611
0.507
1109
1.3433
1.1723
0.9460
0.525
1301
0.5236
0.4485
0.3515
0.545
1303
0.2707
0.2319
0.1802
0.579
1304
0.0239
0.0209
0.0171
0.505
1305
0.4579
0.3989
0.3221
0.520
1401
0.2463
0.2221
0.1882
0.467
1404
0.7448
0.6530
0.5314
0.518
1405
0.8124
0.7019
0.5554
0.556
1407
0.5589
0.4858
0.3880
0.561
1501
0.6504
0.5641
0.4520
0.525
1507
0.5893
0.5146
0.4159
0.526
1701
0.6789
0.5893
0.4732
0.507
1702
1.3986
1.2449
1.0678
0.365
1703
0.8377
0.7353
0.6132
0.414
1704
0.6789
0.5893
0.4732
0.507
1801
0.4138
0.3658
0.3052
0.459
1802
0.6856
0.5997
0.4869
0.503
2002
0.8307
0.7290
0.5971
0.495
2004
0.5971
0.5219
0.4214
0.542
2007
0.7038
0.6258
0.5219
0.484
2008
0.3493
0.3079
0.2537
0.500
2009
0.3330
0.2902
0.2319
0.572
2101
0.6085
0.5412
0.4509
0.493
2102
0.6516
0.5670
0.4552
0.538
2104
0.3196
0.2813
0.2265
0.597
2105
0.6577
0.5711
0.4566
0.545
2106
0.4210
0.3738
0.3110
0.495
2201
0.2612
0.2283
0.1841
0.547
2202
0.6671
0.5841
0.4765
0.501
2203
0.4820
0.4227
0.3422
0.545
2204
0.2612
0.2283
0.1841
0.547
2401
0.3638
0.3182
0.2594
0.491
2903
0.7099
0.6284
0.5186
0.507
2904
0.6589
0.5734
0.4620
0.519
2905
0.5266
0.4622
0.3765
0.520
2906
0.3861
0.3417
0.2814
0.522
2907
0.4667
0.4066
0.3261
0.548
2908
0.9905
0.8805
0.7330
0.494
2909
0.3925
0.3448
0.2802
0.534
3101
0.7258
0.6315
0.5083
0.529
3102
0.2770
0.2437
0.2008
0.488
3103
0.4374
0.3871
0.3214
0.470
3104
0.6334
0.5544
0.4517
0.508
3105
0.7116
0.6232
0.5044
0.541
3303
0.3826
0.3347
0.2712
0.521
3304
0.5557
0.4891
0.3982
0.548
3309
0.4093
0.3599
0.2952
0.516
3402
0.4558
0.3999
0.3268
0.507
3403
0.1727
0.1518
0.1248
0.499
3404
0.4644
0.4053
0.3262
0.545
3405
0.2835
0.2485
0.2019
0.528
3406
0.2691
0.2331
0.1841
0.589
3407
0.7103
0.6195
0.5034
0.492
3408
0.2225
0.1894
0.1444
0.620
3409
0.1565
0.1347
0.1054
0.609
3410
0.1789
0.1556
0.1237
0.584
3411
0.4678
0.4088
0.3324
0.502
3412
0.5730
0.5020
0.4120
0.473
3414
0.6942
0.6139
0.5095
0.474
3415
0.7329
0.6534
0.5535
0.425
3501
1.0009
0.8765
0.7126
0.507
3503
0.3193
0.2804
0.2268
0.551
3506
0.7805
0.6773
0.5449
0.520
3509
0.3987
0.3450
0.2723
0.589
3510
0.3329
0.2907
0.2333
0.561
3511
0.6754
0.5874
0.4703
0.540
3512
0.3788
0.3293
0.2621
0.569
3513
0.5613
0.4963
0.4077
0.518
3602
0.0869
0.0761
0.0617
0.538
3603
0.4989
0.4396
0.3594
0.522
3604
0.6519
0.5829
0.4910
0.477
3605
0.5115
0.4449
0.3572
0.527
3701
0.2770
0.2437
0.2008
0.488
3702
0.4232
0.3698
0.2985
0.537
3708
0.6600
0.5744
0.4619
0.536
3802
0.2119
0.1854
0.1498
0.554
3808
0.3977
0.3482
0.2845
0.494
3901
0.1370
0.1196
0.0951
0.608
3902
0.4413
0.3858
0.3104
0.560
3903
1.0878
0.9645
0.7977
0.514
3905
0.1336
0.1171
0.0940
0.588
3906
0.4663
0.4111
0.3362
0.530
3909
0.2918
0.2576
0.2106
0.544
4101
0.2792
0.2449
0.2002
0.506
4103
0.5302
0.4616
0.3701
0.552
4107
0.1791
0.1560
0.1252
0.547
4108
0.1656
0.1444
0.1162
0.551
4109
0.1938
0.1706
0.1394
0.523
4201
0.6568
0.5664
0.4517
0.514
4301
0.7420
0.6475
0.5189
0.565
4302
0.8783
0.7623
0.6066
0.567
4304
0.9325
0.8292
0.6880
0.511
4305
1.1777
1.0156
0.8074
0.524
4401
0.4160
0.3698
0.3074
0.498
4402
0.7345
0.6312
0.4929
0.588
4404
0.4584
0.4039
0.3310
0.510
4501
0.1742
0.1508
0.1189
0.594
4502
0.0533
0.0463
0.0370
0.549
4504
0.1077
0.0938
0.0745
0.592
4802
0.3383
0.2976
0.2417
0.548
4803
0.3400
0.2981
0.2394
0.597
4804
0.5612
0.4907
0.3945
0.577
4805
0.3877
0.3394
0.2737
0.556
4806
0.0910
0.0797
0.0639
0.602
4808
0.4307
0.3800
0.3122
0.509
4809
0.3561
0.3140
0.2559
0.552
4810
0.1902
0.1665
0.1335
0.592
4811
0.3831
0.3398
0.2787
0.551
4812
0.3969
0.3482
0.2824
0.552
4813
0.1959
0.1730
0.1409
0.569
4814
0.1345
0.1195
0.0981
0.577
4815
0.2744
0.2439
0.1997
0.591
4816
0.3829
0.3436
0.2875
0.530
4900
0.1526
0.1345
0.1125
0.438
4901
0.0427
0.0373
0.0302
0.505
4902
0.1169
0.1012
0.0804
0.561
4903
0.1708
0.1470
0.1149
0.595
4904
0.0195
0.0171
0.0138
0.555
4905
0.4262
0.3752
0.3039
0.580
4906
0.1055
0.0908
0.0713
0.576
4907
0.0645
0.0562
0.0450
0.584
4908
0.0960
0.0840
0.0667
0.586
4909
0.0368
0.0334
0.0280
0.504
4910
0.4483
0.3928
0.3196
0.516
4911
0.0646
0.0568
0.0464
0.506
5001
6.9247
6.2339
5.3989
0.360
5002
0.5873
0.5085
0.4042
0.547
5003
1.8503
1.6239
1.3466
0.433
5004
0.7598
0.6781
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