WSR 20-19-129
PROPOSED RULES
DEPARTMENT OF
LABOR AND INDUSTRIES
[Filed September 22, 2020, 10:40 a.m.]
Original Notice.
Preproposal statement of inquiry was filed as WSR 20-13-077.
Title of Rule and Other Identifying Information: 2021 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 27, 2020, at 10 a.m. Zoom hearing, joining electronically: Join Zoom meeting at https://zoom.us/j/99395316830, Meeting ID: 9939531 6830, Passcode: Oct2720!. Joining by phone: +1-253-215-8782 US (Tacoma), Meeting ID: 993 9531 6830, Passcode: 35862365; or on October 29, 2020, at 10 a.m., joining electronically: Join Zoom meeting at https://zoom.us/j/97637403577, Meeting ID: 976 3740 3577, Passcode: 4n*z2LvM. Joining by phone: +1-253-215-8782 US (Tacoma), Meeting ID: 976 3740 3577, Passcode: 44645997.
Date of Intended Adoption: November 30, 2020.
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 October 30, 2020, by 5 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, 2020.
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 2021. Classification base rates were updated to align with expected losses. The department proposes a zero (0) percent overall average premium rate change.
This proposal also intends to amend experience rating and retrospective rating rules (WAC 296-17-870 Evaluation of actual losses, and 296-17B-530 Determining case incurred losses) to explain that all accepted COVID-19 claim losses will not be included in the determination of an employer's experience modification factor or in an employer's retrospective rating adjustment calculation. An employer will not lose their claim free discount as a result of an allowed COVID-19 claim.
This proposal 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, 296-17-870 Evaluation of actual losses, 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-530 Determining case incurred losses, 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.
The department is proposing an overall average premium rate change of zero (0) percent to ensure adequate premiums to cover expected losses for 2021 claims. Financial projections point to the need for a rate increase, but the department of labor and industries (L&I) is using funds from the workers' compensation contingency reserve to keep the average rate from increasing in 2021.
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, Washington, 360-902-4777; Implementation: Mike Ratko, Tumwater, Washington, 360-902-6369; 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. 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.
September 22, 2020
Joel Sacks
Director
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
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 (($20,112))$20,743 the actual primary loss shall be determined from the formula:
((ACTUAL PRIMARY LOSS
=
50,280
x total loss))
(Total loss + 30,168)
Primary Loss
=
51,857
x Total Loss
(Total Loss + 31,114)
For each claim, less than (($20,112))$20,743 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 (($3,220))$3,340 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
 
4,000
 
Medical Only
780
 
780
 
0
 
4,000
 
Timeloss
4,000
 
4,000
 
0
 
30,000
 
Medical Only
26,780
 
23,644
 
3,136
 
30,000
 
Timeloss
30,000
 
25,070
 
4,930
 
130,000
 
PPD
130,000
 
40,810
 
89,190
 
500,000
 
TPD Pension
300,137
 
45,688
 
254,449
 
2,000,000
 
TPD Pension
300,137
 
45,688
 
254,449))
 
300
 
Medical Only
0
 
0
 
0
 
4,000
 
Medical Only
660
 
660
 
0
 
4,000
 
Timeloss
4,000
 
4,000
 
0
 
30,000
 
Medical Only
26,660
 
23,930
 
2,730
 
30,000
 
Timeloss
30,000
 
25,456
 
4,544
 
130,000
 
PPD
130,000
 
41,842
 
88,158
 
500,000
 
TPD Pension
331,662
 
47,409
 
284,253
 
2,000,000
 
TPD Pension
331,662
 
47,409
 
284,253
 
Note:
The deduction, (($3,220))$3,340, 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 19-23-080, filed 11/19/19, effective 1/1/20)
WAC 296-17-870Evaluation of actual losses.
(1) Except as provided in subsections (3) through (((12)))(13) of this section, the actual losses for claims with a date of injury during the experience period will be evaluated on the "valuation date." Losses on claims occurring outside the experience period will not be included. The actual losses for closed claims must include:
(a) Accident and medical aid payments; and
(b) Pension reserve amounts paid by the accident fund; and
(c) Accident and medical aid benefits or payments that are scheduled to be paid; and
(d) Reserve for other accident and medical aid benefits accessible by the worker while the claim is closed.
The actual losses for claims that are open may, in addition, also include a reserve for future payments. Actual losses do not include wage subsidies or reimbursements paid by the stay-at-work program.
(2) Valuation date. The valuation date shall be June 1, seven months immediately preceding the effective date of premium rates.
(3) Retroactive adjustments - Revision of losses between valuation dates. No claim value shall be revised between valuation dates and no retroactive adjustment of an experience modification shall be made because of disputation concerning the judgment of the claims examiner or because of subsequent developments except as specifically provided in the following cases:
(a) In cases where loss values are included or excluded through mistake other than error of judgment.
(b) In cases where a third party recovery is made, subject to subsection (5)(a) of this section.
(c) In cases where the claim qualifies as a second injury claim under the provisions of RCW 51.16.120.
(d) In cases where a claim, which was previously evaluated as a compensable claim, is closed and is determined to be noncompensable (ineligible for benefits other than medical treatment).
(e) In cases where a claim is closed and is determined to be ineligible for any benefits.
In the above specified cases retroactive adjustment of the experience modification shall be made for each rating in which the claim was included. Retroactive adjustments will not be made for rating periods more than ten years prior to the date on which the claim status was changed.
(4) Average death value. Each fatality occurring to a worker included within the mandatory or elective coverage of Title 51 RCW shall be assigned the "average death value." The "average death value" shall be the average incurred cost for all such fatalities occurring during the experience period. The average death value is set forth in WAC 296-17-880 (Table II).
(5) Third-party recovery - Effect on experience modification.
(a) For claims with injury dates prior to July 1, 1994, a potential claim cost recovery from action against a third party, either by the injured worker or by the department, shall not be considered in the evaluation of actual losses until such time as the third-party action has been completed. If a third-party recovery is made after a claim had previously been used in an experience modification calculation, the experience modification shall be retroactively adjusted. The department shall compute a percentage recovery by dividing the current valuation of the claim into the amount recovered or recoverable as of the recovery date, and shall reduce both primary and excess losses previously used in the experience modification calculation by that percentage.
(b) For claims with injury dates on or after July 1, 1994, if the department determines that there is a reasonable potential of recovery from an action against a third party, both primary and excess values of the claim shall be reduced by fifty percent for purposes of experience modification calculation, until such time as the third-party action has been completed. This calculation shall not be retroactively adjusted, regardless of the final outcome of the third-party action. After a third-party recovery is made, the actual percentage recovery shall be applied to future experience modification calculations.
(c) For third-party actions completed before July 1, 1996, the claim shall be credited with the department's net share of the recovery, after deducting attorney fees and costs. For third-party actions completed on or after July 1, 1996, the claim shall be credited with the department's gross share of the recovery, before deducting attorney fees and costs.
(d) Definitions:
(i) As used in this section, "recovery date" means the date the money is received at the department or the date the order confirming the distribution of the recovery becomes final, whichever comes first.
(ii) As used in this section, "recoverable" means any amount due as of the recovery date and/or any amount available to offset case reserved future benefits.
(6) Second injury claims. The primary and excess values of any claim which becomes eligible for second injury relief under the provisions of RCW 51.16.120, as now or hereafter amended, shall be reduced by the percentage of relief granted.
(7) Occupational disease claims. When a claim results from an employee's exposure to an occupational disease hazard, the "date of injury," solely for the purpose of experience rating, will be the date the claim for benefits was received by the department. The cost of any occupational disease claim, paid from the accident fund and medical aid fund and arising from exposure to the disease hazard under two or more employers, shall be prorated to each period of employment involving exposure to the hazard. Each insured employer who had employed the claimant during the experience period, and for at least ten percent of the claimant's exposure to the hazard, shall be charged for his/her share of the claim based upon the prorated costs.
(8) Maximum claim value. No claim shall enter an employer's experience record at a value greater than the "maximum claim value." The maximum claim value is set forth in WAC 296-17-880 (Table II).
(9) Catastrophic losses. Whenever a single accident results in the deaths or total permanent disability of three or more workers employed by the same employer, costs charged to the employer's experience shall be limited as required by RCW 51.16.130.
(10) Acts of terrorism. Whenever any worker insured with the state fund sustains an injury or occupational disease as a result of an incident certified to be an act of terrorism under the U.S. Terrorism Risk Insurance Act of 2002, the costs of the resulting claim shall be excluded from the experience rating computation of the worker's employer.
(11) Claims filed by preferred workers. The costs of subsequent claims filed by certified preferred workers will not be included in experience calculations, as provided in WAC 296-16-150.
(12) Life and rescue phase of emergencies: This provision applies to "emergency workers" of nongovernmental employers assigned to report in classification 7205 (WAC 296-17A-7205) who assist in a life and rescue phase of a state or local emergency (disaster). The life and rescue phase of an emergency is defined in RCW 51.16.130(3) as being the first seventy-two hours after a natural or man-made disaster has occurred. For an employer to qualify for this special experience rating relief, a state or local official such as, but not limited to, the governor; a county executive; a mayor; a fire marshal; a sheriff or police chief must declare an emergency and must request help from private sector employers to assist in locating and rescuing survivors. This special relief is only applicable to nongovernmental employers during this initial seventy-two hour phase of the declared emergency unless the emergency has been extended by the official who declared the emergency. The cost of injuries or occupational disease claims filed by employees of nongovernmental employers assisting in the life and rescue phase of a declared emergency will not be charged to the experience record of the nongovernmental state fund employer.
(13) 2019 Coronavirus (COVID-19) claims: All accepted COVID-19 claim losses will not be included in the determination of an employer's experience modification factor. An employer will not lose their claim free discount as a result of an allowed COVID-19 claim.
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
WAC 296-17-875Table I.
Primary Losses for Selected Claim Values
Effective January 1, ((2020))2021
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
 
 
300,137
**
45,688))
 
 
5,000
 
5,000
 
 
10,000
 
10,000
 
 
15,000
 
15,000
 
 
20,743
 
20,743
 
 
28,963
 
25,000
 
 
42,706
 
30,000
 
 
64,602
 
35,000
 
 
100,000
 
39,551
 
 
104,964
 
40,000
 
 
200,000
 
44,876
 
 
331,662
**
47,409
 
**
Maximum claim value
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
WAC 296-17-880Table II.
PRIMARY AND EXCESS CREDIBILITY VALUES
Effective January 1, ((2020))2021
Maximum Claim Value = (($300,137))$331,662
Average Death Value = (($300,137))$331,662
Expected Losses
Primary Credibility
Excess Credibility
((0
-
5,973
12%
 
7%
 
5,974
-
6,377
13%
 
7%
 
6,378
-
6,785
14%
 
7%
 
6,786
-
7,196
15%
 
7%
 
7,197
-
7,614
16%
 
7%
 
7,615
-
8,036
17%
 
7%
 
8,037
-
8,464
18%
 
7%
 
8,465
-
8,898
19%
 
7%
 
8,899
-
9,336
20%
 
7%
 
9,337
-
9,782
21%
 
7%
 
9,783
-
10,233
22%
 
7%
 
10,234
-
10,692
23%
 
7%
 
10,693
-
11,156
24%
 
7%
 
11,157
-
11,629
25%
 
7%
 
11,630
-
12,111
26%
 
7%
 
12,112
-
12,596
27%
 
7%
 
12,597
-
13,093
28%
 
7%
 
13,094
-
13,597
29%
 
7%
 
13,598
-
14,110
30%
 
7%
 
14,111
-
14,636
31%
 
7%
 
14,637
-
15,167
32%
 
7%
 
15,168
-
15,713
33%
 
7%
 
15,714
-
16,270
34%
 
7%
 
16,271
-
16,839
35%
 
7%
 
16,840
-
17,420
36%
 
7%
 
17,421
-
18,016
37%
 
7%
 
18,017
-
18,632
38%
 
7%
 
18,633
-
19,259
39%
 
7%
 
19,260
-
19,907
40%
 
7%
 
19,908
-
20,573
41%
 
7%
 
20,574
-
21,262
42%
 
7%
 
21,263
-
21,975
43%
 
7%
 
21,976
-
22,713
44%
 
7%
 
22,714
-
23,482
45%
 
7%
 
23,483
-
24,286
46%
 
7%
 
24,287
-
25,127
47%
 
7%
 
25,128
-
26,015
48%
 
7%
 
26,016
-
26,957
49%
 
7%
 
26,958
-
27,959
50%
 
7%
 
27,960
-
29,044
51%
 
7%
 
29,045
-
30,232
52%
 
7%
 
30,233
-
31,555
53%
 
7%
 
31,556
-
31,690
54%
 
7%
 
31,691
-
33,080
54%
 
8%
 
33,081
-
34,944
55%
 
8%
 
34,945
-
52,886
56%
 
8%
 
52,887
-
58,289
57%
 
8%
 
58,290
-
83,259
57%
 
9%
 
83,260
-
85,755
57%
 
10%
 
85,756
-
108,382
58%
 
10%
 
108,383
-
118,623
58%
 
11%
 
118,624
-
133,662
59%
 
11%
 
133,663
-
151,494
59%
 
12%
 
151,495
-
159,093
60%
 
12%
 
159,094
-
184,365
60%
 
13%
 
184,366
-
184,687
61%
 
13%
 
184,688
-
210,439
61%
 
14%
 
210,440
-
217,233
61%
 
15%
 
217,234
-
236,352
62%
 
15%
 
236,353
-
250,104
62%
 
16%
 
250,105
-
262,427
63%
 
16%
 
262,428
-
282,974
63%
 
17%
 
282,975
-
288,668
64%
 
17%
 
288,669
-
315,073
64%
 
18%
 
315,074
-
315,841
64%
 
19%
 
315,842
-
341,649
65%
 
19%
 
341,650
-
348,712
65%
 
20%
 
348,713
-
368,388
66%
 
20%
 
368,389
-
381,583
66%
 
21%
 
381,584
-
395,300
67%
 
21%
 
395,301
-
414,453
67%
 
22%
 
414,454
-
422,385
68%
 
22%
 
422,386
-
447,319
68%
 
23%
 
447,320
-
449,643
69%
 
23%
 
449,644
-
477,075
69%
 
24%
 
477,076
-
480,189
69%
 
25%
 
480,190
-
504,685
70%
 
25%
 
504,686
-
513,061
70%
 
26%
 
513,062
-
532,474
71%
 
26%
 
532,475
-
545,931
71%
 
27%
 
545,932
-
560,444
72%
 
27%
 
560,445
-
578,800
72%
 
28%
 
578,801
-
588,596
73%
 
28%
 
588,597
-
611,670
73%
 
29%
 
611,671
-
616,931
74%
 
29%
 
616,932
-
644,540
74%
 
30%
 
644,541
-
645,454
75%
 
30%
 
645,455
-
674,164
75%
 
31%
 
674,165
-
677,409
75%
 
32%
 
677,410
-
703,063
76%
 
32%
 
703,064
-
710,279
76%
 
33%
 
710,280
-
732,152
77%
 
33%
 
732,153
-
743,149
77%
 
34%
 
743,150
-
761,438
78%
 
34%
 
761,439
-
776,018
78%
 
35%
 
776,019
-
790,917
79%
 
35%
 
790,918
-
808,888
79%
 
36%
 
808,889
-
820,593
80%
 
36%
 
820,594
-
841,756
80%
 
37%
 
841,757
-
850,470
81%
 
37%
 
850,471
-
874,627
81%
 
38%
 
874,628
-
880,548
82%
 
38%
 
880,549
-
907,498
82%
 
39%
 
907,499
-
910,829
83%
 
39%
 
910,830
-
940,368
83%
 
40%
 
940,369
-
941,314
84%
 
40%
 
941,315
-
972,008
84%
 
41%
 
972,009
-
973,235
84%
 
42%
 
973,236
-
1,002,909
85%
 
42%
 
1,002,910
-
1,006,105
85%
 
43%
 
1,006,106
-
1,034,026
86%
 
43%
 
1,034,027
-
1,038,976
86%
 
44%
 
1,038,977
-
1,065,354
87%
 
44%
 
1,065,355
-
1,071,846
87%
 
45%
 
1,071,847
-
1,096,900
88%
 
45%
 
1,096,901
-
1,104,716
88%
 
46%
 
1,104,717
-
1,128,663
89%
 
46%
 
1,128,664
-
1,137,584
89%
 
47%
 
1,137,585
-
1,160,649
90%
 
47%
 
1,160,650
-
1,170,455
90%
 
48%
 
1,170,456
-
1,192,856
91%
 
48%
 
1,192,857
-
1,203,323
91%
 
49%
 
1,203,324
-
1,225,288
92%
 
49%
 
1,225,289
-
1,236,195
92%
 
50%
 
1,236,196
-
1,257,949
93%
 
50%
 
1,257,950
-
1,269,064
93%
 
51%
 
1,269,065
-
1,290,840
94%
 
51%
 
1,290,841
-
1,301,933
94%
 
52%
 
1,301,934
-
1,323,964
95%
 
52%
 
1,323,965
-
1,334,802
95%
 
53%
 
1,334,803
-
1,357,322
96%
 
53%
 
1,357,323
-
1,367,672
96%
 
54%
 
1,367,673
-
1,390,918
97%
 
54%
 
1,390,919
-
1,400,542
97%
 
55%
 
1,400,543
-
1,424,753
98%
 
55%
 
1,424,754
-
1,433,412
98%
 
56%
 
1,433,413
-
1,458,831
99%
 
56%
 
1,458,832
-
1,466,280
99%
 
57%
 
1,466,281
-
1,493,155
100%
 
57%
 
1,493,156
-
1,527,728
100%
 
58%
 
1,527,729
-
1,562,551
100%
 
59%
 
1,562,552
-
1,597,626
100%
 
60%
 
1,597,627
-
1,632,959
100%
 
61%
 
1,632,960
-
1,668,550
100%
 
62%
 
1,668,551
-
1,704,404
100%
 
63%
 
1,704,405
-
1,740,521
100%
 
64%
 
1,740,522
-
1,776,907
100%
 
65%
 
1,776,908
-
1,813,562
100%
 
66%
 
1,813,563
-
1,850,493
100%
 
67%
 
1,850,494
-
1,887,700
100%
 
68%
 
1,887,701
-
1,925,186
100%
 
69%
 
1,925,187
-
1,962,956
100%
 
70%
 
1,962,957
-
2,001,013
100%
 
71%
 
2,001,014
-
2,039,360
100%
 
72%
 
2,039,361
-
2,077,998
100%
 
73%
 
2,077,999
-
2,116,934
100%
 
74%
 
2,116,935
-
2,156,167
100%
 
75%
 
2,156,168
-
2,195,706
100%
 
76%
 
2,195,707
-
2,235,549
100%
 
77%
 
2,235,550
-
2,275,704
100%
 
78%
 
2,275,705
-
2,316,172
100%
 
79%
 
2,316,173
-
2,356,959
100%
 
80%
 
2,356,960
-
2,398,069
100%
 
81%
 
2,398,070
-
2,439,500
100%
 
82%
 
2,439,501
-
2,481,263
100%
 
83%
 
2,481,264
-
2,523,355
100%
 
84%
 
2,523,356
-
2,565,789
100%
 
85%
 
2,565,790
and higher
100%
 
86%))
 
0
-
5,943
12%
 
7%
 
5,944
-
6,345
13%
 
7%
 
6,346
-
6,751
14%
 
7%
 
6,752
-
7,160
15%
 
7%
 
7,161
-
7,576
16%
 
7%
 
7,577
-
7,996
17%
 
7%
 
7,997
-
8,422
18%
 
7%
 
8,423
-
8,854
19%
 
7%
 
8,855
-
9,289
20%
 
7%
 
9,290
-
9,733
21%
 
7%
 
9,734
-
10,182
22%
 
7%
 
10,183
-
10,639
23%
 
7%
 
10,640
-
11,100
24%
 
7%
 
11,101
-
11,571
25%
 
7%
 
11,572
-
12,050
26%
 
7%
 
12,051
-
12,533
27%
 
7%
 
12,534
-
13,028
28%
 
7%
 
13,029
-
13,529
29%
 
7%
 
13,530
-
14,039
30%
 
7%
 
14,040
-
14,563
31%
 
7%
 
14,564
-
15,091
32%
 
7%
 
15,092
-
15,634
33%
 
7%
 
15,635
-
16,189
34%
 
7%
 
16,190
-
16,755
35%
 
7%
 
16,756
-
17,333
36%
 
7%
 
17,334
-
17,926
37%
 
7%
 
17,927
-
18,539
38%
 
7%
 
18,540
-
19,163
39%
 
7%
 
19,164
-
19,807
40%
 
7%
 
19,808
-
20,470
41%
 
7%
 
20,471
-
21,156
42%
 
7%
 
21,157
-
21,865
43%
 
7%
 
21,866
-
22,599
44%
 
7%
 
22,600
-
23,365
45%
 
7%
 
23,366
-
24,165
46%
 
7%
 
24,166
-
25,001
47%
 
7%
 
25,002
-
25,885
48%
 
7%
 
25,886
-
26,822
49%
 
7%
 
26,823
-
27,819
50%
 
7%
 
27,820
-
28,899
51%
 
7%
 
28,900
-
30,081
52%
 
7%
 
30,082
-
31,397
53%
 
7%
 
31,398
-
31,532
54%
 
7%
 
31,533
-
32,915
54%
 
8%
 
32,916
-
34,769
55%
 
8%
 
34,770
-
52,622
56%
 
8%
 
52,623
-
57,998
57%
 
8%
 
57,999
-
82,843
57%
 
9%
 
82,844
-
85,326
57%
 
10%
 
85,327
-
107,840
58%
 
10%
 
107,841
-
118,030
58%
 
11%
 
118,031
-
132,994
59%
 
11%
 
132,995
-
150,737
59%
 
12%
 
150,738
-
158,298
60%
 
12%
 
158,299
-
183,443
60%
 
13%
 
183,444
-
183,764
61%
 
13%
 
183,765
-
209,387
61%
 
14%
 
209,388
-
216,147
61%
 
15%
 
216,148
-
235,170
62%
 
15%
 
235,171
-
248,853
62%
 
16%
 
248,854
-
261,115
63%
 
16%
 
261,116
-
281,559
63%
 
17%
 
281,560
-
287,225
64%
 
17%
 
287,226
-
313,498
64%
 
18%
 
313,499
-
314,262
64%
 
19%
 
314,263
-
339,941
65%
 
19%
 
339,942
-
346,968
65%
 
20%
 
346,969
-
366,546
66%
 
20%
 
366,547
-
379,675
66%
 
21%
 
379,676
-
393,323
67%
 
21%
 
393,324
-
412,381
67%
 
22%
 
412,382
-
420,273
68%
 
22%
 
420,274
-
445,082
68%
 
23%
 
445,083
-
447,395
69%
 
23%
 
447,396
-
474,690
69%
 
24%
 
474,691
-
477,788
69%
 
25%
 
477,789
-
502,162
70%
 
25%
 
502,163
-
510,496
70%
 
26%
 
510,497
-
529,812
71%
 
26%
 
529,813
-
543,201
71%
 
27%
 
543,202
-
557,642
72%
 
27%
 
557,643
-
575,906
72%
 
28%
 
575,907
-
585,653
73%
 
28%
 
585,654
-
608,612
73%
 
29%
 
608,613
-
613,846
74%
 
29%
 
613,847
-
641,317
74%
 
30%
 
641,318
-
642,227
75%
 
30%
 
642,228
-
670,793
75%
 
31%
 
670,794
-
674,022
75%
 
32%
 
674,023
-
699,548
76%
 
32%
 
699,549
-
706,728
76%
 
33%
 
706,729
-
728,491
77%
 
33%
 
728,492
-
739,433
77%
 
34%
 
739,434
-
757,631
78%
 
34%
 
757,632
-
772,138
78%
 
35%
 
772,139
-
786,962
79%
 
35%
 
786,963
-
804,844
79%
 
36%
 
804,845
-
816,490
80%
 
36%
 
816,491
-
837,547
80%
 
37%
 
837,548
-
846,218
81%
 
37%
 
846,219
-
870,254
81%
 
38%
 
870,255
-
876,145
82%
 
38%
 
876,146
-
902,961
82%
 
39%
 
902,962
-
906,275
83%
 
39%
 
906,276
-
935,666
83%
 
40%
 
935,667
-
936,607
84%
 
40%
 
936,608
-
967,148
84%
 
41%
 
967,149
-
968,369
84%
 
42%
 
968,370
-
997,894
85%
 
42%
 
997,895
-
1,001,074
85%
 
43%
 
1,001,075
-
1,028,856
86%
 
43%
 
1,028,857
-
1,033,781
86%
 
44%
 
1,033,782
-
1,060,027
87%
 
44%
 
1,060,028
-
1,066,487
87%
 
45%
 
1,066,488
-
1,091,415
88%
 
45%
 
1,091,416
-
1,099,192
88%
 
46%
 
1,099,193
-
1,123,020
89%
 
46%
 
1,123,021
-
1,131,896
89%
 
47%
 
1,131,897
-
1,154,846
90%
 
47%
 
1,154,847
-
1,164,603
90%
 
48%
 
1,164,604
-
1,186,892
91%
 
48%
 
1,186,893
-
1,197,306
91%
 
49%
 
1,197,307
-
1,219,162
92%
 
49%
 
1,219,163
-
1,230,014
92%
 
50%
 
1,230,015
-
1,251,659
93%
 
50%
 
1,251,660
-
1,262,719
93%
 
51%
 
1,262,720
-
1,284,386
94%
 
51%
 
1,284,387
-
1,295,423
94%
 
52%
 
1,295,424
-
1,317,344
95%
 
52%
 
1,317,345
-
1,328,128
95%
 
53%
 
1,328,129
-
1,350,535
96%
 
53%
 
1,350,536
-
1,360,834
96%
 
54%
 
1,360,835
-
1,383,963
97%
 
54%
 
1,383,964
-
1,393,539
97%
 
55%
 
1,393,540
-
1,417,629
98%
 
55%
 
1,417,630
-
1,426,245
98%
 
56%
 
1,426,246
-
1,451,537
99%
 
56%
 
1,451,538
-
1,458,949
99%
 
57%
 
1,458,950
-
1,485,689
100%
 
57%
 
1,485,690
-
1,520,089
100%
 
58%
 
1,520,090
-
1,554,738
100%
 
59%
 
1,554,739
-
1,589,638
100%
 
60%
 
1,589,639
-
1,624,794
100%
 
61%
 
1,624,795
-
1,660,207
100%
 
62%
 
1,660,208
-
1,695,882
100%
 
63%
 
1,695,883
-
1,731,818
100%
 
64%
 
1,731,819
-
1,768,022
100%
 
65%
 
1,768,023
-
1,804,494
100%
 
66%
 
1,804,495
-
1,841,241
100%
 
67%
 
1,841,242
-
1,878,261
100%
 
68%
 
1,878,262
-
1,915,560
100%
 
69%
 
1,915,561
-
1,953,141
100%
 
70%
 
1,953,142
-
1,991,008
100%
 
71%
 
1,991,009
-
2,029,163
100%
 
72%
 
2,029,164
-
2,067,608
100%
 
73%
 
2,067,609
-
2,106,349
100%
 
74%
 
2,106,350
-
2,145,386
100%
 
75%
 
2,145,387
-
2,184,727
100%
 
76%
 
2,184,728
-
2,224,371
100%
 
77%
 
2,224,372
-
2,264,325
100%
 
78%
 
2,264,326
-
2,304,591
100%
 
79%
 
2,304,592
-
2,345,174
100%
 
80%
 
2,345,175
-
2,386,079
100%
 
81%
 
2,386,080
-
2,427,302
100%
 
82%
 
2,427,303
-
2,468,857
100%
 
83%
 
2,468,858
-
2,510,738
100%
 
84%
 
2,510,739
-
2,552,960
100%
 
85%
 
2,552,961
and higher
100%
 
86%
 
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
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, ((2020))2021
((Class
2016
2017
2018
Primary Ratio
101
0.7400
0.6571
0.5775
0.438
103
1.0630
0.9535
0.8528
0.433
104
0.6823
0.6081
0.5376
0.432
105
0.8320
0.7412
0.6551
0.503
106
2.1307
1.9093
1.7060
0.466
107
0.7343
0.6567
0.5830
0.412
108
0.6823
0.6081
0.5376
0.432
112
0.5148
0.4666
0.4228
0.408
201
1.3971
1.2488
1.1075
0.374
202
1.4944
1.3366
1.1869
0.375
210
0.6122
0.5482
0.4873
0.416
212
0.6653
0.5943
0.5269
0.421
214
1.1611
1.0320
0.9071
0.423
217
0.9036
0.8070
0.7161
0.452
219
0.6583
0.5860
0.5167
0.432
301
0.6738
0.6063
0.5445
0.471
302
1.5105
1.3340
1.1619
0.425
303
1.4383
1.2859
1.1437
0.415
306
0.5663
0.5025
0.4409
0.468
307
0.6570
0.5832
0.5122
0.485
308
0.4718
0.4225
0.3767
0.514
403
1.3967
1.2395
1.0891
0.488
502
0.7754
0.6852
0.5981
0.462
504
1.4481
1.3060
1.1776
0.423
507
2.2323
2.0248
1.8401
0.424
508
0.9229
0.8274
0.7379
0.373
509
0.6435
0.5733
0.5054
0.375
510
1.7700
1.6038
1.4556
0.410
511
1.0684
0.9476
0.8303
0.463
512
0.9547
0.8564
0.7652
0.454
513
0.6900
0.6143
0.5426
0.457
514
0.9904
0.8847
0.7840
0.473
516
1.0815
0.9680
0.8619
0.446
517
1.3800
1.2474
1.1281
0.392
518
0.8544
0.7619
0.6733
0.442
519
0.9451
0.8370
0.7332
0.473
521
0.4202
0.3783
0.3400
0.465
601
0.3698
0.3290
0.2896
0.470
602
0.4930
0.4359
0.3798
0.406
603
0.5229
0.4647
0.4084
0.414
604
0.8359
0.7474
0.6646
0.462
606
0.4404
0.3881
0.3372
0.546
607
0.5786
0.5096
0.4431
0.496
608
0.3234
0.2850
0.2473
0.459
701
1.3971
1.2488
1.1075
0.374
803
0.4661
0.4085
0.3522
0.537
901
0.8544
0.7619
0.6733
0.442
1002
0.6537
0.5855
0.5215
0.435
1003
0.5503
0.4877
0.4281
0.491
1004
0.3304
0.2901
0.2504
0.480
1005
6.3669
5.6532
4.9791
0.426
1006
0.1676
0.1473
0.1273
0.551
1007
0.2262
0.2015
0.1781
0.457
1101
0.8583
0.7632
0.6738
0.472
1102
1.2903
1.1475
1.0125
0.417
1103
0.8244
0.7285
0.6369
0.480
1104
0.4919
0.4408
0.3931
0.488
1105
0.5682
0.5026
0.4394
0.495
1106
0.2833
0.2534
0.2252
0.537
1108
0.3714
0.3325
0.2958
0.506
1109
1.2517
1.1142
0.9858
0.462
1301
0.4895
0.4312
0.3745
0.501
1303
0.3090
0.2693
0.2304
0.570
1304
0.0165
0.0146
0.0128
0.488
1305
0.4071
0.3583
0.3114
0.496
1401
0.2135
0.1950
0.1795
0.467
1404
0.5881
0.5202
0.4559
0.511
1405
0.5727
0.5049
0.4395
0.520
1407
0.4869
0.4286
0.3725
0.558
1501
0.6324
0.5566
0.4833
0.490
1507
0.4192
0.3722
0.3275
0.519
1701
0.6039
0.5338
0.4668
0.481
1702
1.0232
0.9198
0.8225
0.335
1703
0.6714
0.5977
0.5276
0.402
1704
0.6039
0.5338
0.4668
0.481
1801
0.3416
0.3047
0.2697
0.433
1802
0.5464
0.4875
0.4316
0.433
2002
0.6541
0.5863
0.5232
0.464
2004
0.4638
0.4081
0.3535
0.555
2007
0.5975
0.5359
0.4792
0.470
2008
0.2984
0.2663
0.2364
0.527
2009
0.3169
0.2814
0.2475
0.551
2101
0.5070
0.4549
0.4065
0.522
2102
0.7408
0.6495
0.5614
0.543
2104
0.3122
0.2809
0.2516
0.586
2105
0.4910
0.4338
0.3783
0.524
2106
0.4263
0.3816
0.3398
0.503
2201
0.2508
0.2244
0.2000
0.507
2202
0.4784
0.4284
0.3814
0.470
2203
0.4105
0.3695
0.3317
0.508
2204
0.2508
0.2244
0.2000
0.507
2401
0.3586
0.3182
0.2795
0.449
2903
0.5833
0.5233
0.4681
0.522
2904
0.5699
0.5113
0.4563
0.442
2905
0.3742
0.3343
0.2968
0.505
2906
0.3920
0.3552
0.3207
0.505
2907
0.3882
0.3463
0.3065
0.521
2908
0.7985
0.7170
0.6398
0.513
2909
0.3325
0.3016
0.2740
0.482
3101
0.6332
0.5601
0.4895
0.506
3102
0.2638
0.2343
0.2056
0.464
3103
0.3169
0.2850
0.2556
0.445
3104
0.5211
0.4623
0.4060
0.526
3105
0.6432
0.5778
0.5164
0.516
3303
0.3119
0.2766
0.2431
0.531
3304
0.5291
0.4729
0.4204
0.533
3309
0.3549
0.3168
0.2810
0.510
3402
0.3953
0.3511
0.3087
0.516
3403
0.1226
0.1095
0.0970
0.485
3404
0.3620
0.3197
0.2787
0.548
3405
0.2366
0.2110
0.1863
0.502
3406
0.2350
0.2069
0.1798
0.576
3407
0.5897
0.5231
0.4595
0.475
3408
0.1860
0.1624
0.1394
0.556
3409
0.1457
0.1292
0.1134
0.560
3410
0.1457
0.1292
0.1134
0.560
3411
0.4294
0.3810
0.3346
0.465
3412
0.4977
0.4391
0.3825
0.470
3414
0.5806
0.5155
0.4540
0.478
3415
0.6487
0.5807
0.5176
0.454
3501
0.4310
0.3872
0.3460
0.516
3503
0.2612
0.2331
0.2066
0.522
3506
0.6569
0.5897
0.5262
0.437
3509
0.3483
0.3081
0.2698
0.550
3510
0.2986
0.2674
0.2380
0.518
3511
0.6208
0.5553
0.4942
0.485
3512
0.3095
0.2741
0.2392
0.589
3513
0.3838
0.3471
0.3132
0.502
3602
0.0812
0.0719
0.0628
0.552
3603
0.4355
0.3918
0.3515
0.475
3604
0.5787
0.5222
0.4700
0.478
3605
0.3953
0.3511
0.3087
0.516
3701
0.2638
0.2343
0.2056
0.464
3702
0.3208
0.2870
0.2551
0.499
3708
0.5111
0.4555
0.4028
0.505
3802
0.1669
0.1499
0.1343
0.496
3808
0.3212
0.2862
0.2527
0.476
3901
0.1277
0.1132
0.0994
0.597
3902
0.4078
0.3644
0.3235
0.524
3903
0.3181
0.2843
0.2523
0.524
3905
0.1124
0.1003
0.0887
0.586
3906
0.4105
0.3671
0.3266
0.527
3909
0.2328
0.2077
0.1839
0.561
4101
0.2044
0.1819
0.1605
0.510
4103
0.4615
0.4110
0.3635
0.517
4107
0.1656
0.1459
0.1267
0.523
4108
0.1291
0.1147
0.1010
0.538
4109
0.1725
0.1565
0.1419
0.501
4201
0.6717
0.5889
0.5076
0.467
4301
0.7541
0.6775
0.6071
0.527
4302
0.6664
0.5928
0.5231
0.527
4304
0.8957
0.8103
0.7338
0.516
4305
0.9447
0.8250
0.7081
0.519
4401
0.3119
0.2766
0.2431
0.531
4402
0.5830
0.5122
0.4435
0.548
4404
0.3559
0.3168
0.2794
0.525
4501
0.1488
0.1312
0.1141
0.586
4502
0.0514
0.0457
0.0403
0.508
4504
0.1030
0.0906
0.0784
0.611
4802
0.3432
0.3082
0.2760
0.520
4803
0.3219
0.2890
0.2583
0.568
4804
0.4953
0.4468
0.4026
0.522
4805
0.3360
0.3009
0.2683
0.534
4806
0.0961
0.0859
0.0764
0.602
4808
0.3972
0.3557
0.3170
0.489
4809
0.2679
0.2405
0.2151
0.505
4810
0.1979
0.1772
0.1580
0.560
4811
0.4194
0.3791
0.3425
0.539
4812
0.3947
0.3517
0.3110
0.526
4813
0.1969
0.1771
0.1588
0.575
4814
0.1134
0.1030
0.0935
0.565
4815
0.2329
0.2115
0.1926
0.579
4816
0.3209
0.2934
0.2699
0.517
4900
0.0905
0.0805
0.0709
0.449
4901
0.0320
0.0284
0.0249
0.485
4902
0.0795
0.0702
0.0612
0.547
4903
0.1358
0.1193
0.1031
0.557
4904
0.0142
0.0126
0.0110
0.563
4905
0.3473
0.3112
0.2777
0.565
4906
0.0919
0.0804
0.0692
0.559
4907
0.0543
0.0485
0.0428
0.598
4908
0.0774
0.0693
0.0613
0.578
4909
0.0309
0.0278
0.0245
0.578
4910
0.3906
0.3467
0.3051
0.508
4911
0.0445
0.0401
0.0358
0.460
5001
6.0559
5.4799
4.9656
0.375
5002
0.4905
0.4315
0.3741
0.533
5003
1.6180
1.4399
1.2719
0.409
5004
0.7301
0.6655
0.6096
0.426
5005
0.6633
0.5934
0.5282
0.401
5006
0.9050
0.8148
0.7320
0.358
5101
0.7394
0.6548
0.5738
0.445
5103
0.6430
0.5780
0.5171
0.502
5106
0.6430
0.5780
0.5171
0.502
5108
0.6488
0.5712
0.4963
0.533
5109
0.4408
0.3893
0.3388
0.492
5201
0.2451
0.2171
0.1894
0.537
5204
0.7558
0.6705
0.5895
0.437
5206
0.3446
0.3095
0.2767
0.440
5207
0.1341
0.1196
0.1060
0.553
5208
0.5601
0.5003
0.4435
0.492
5209
0.4960
0.4397
0.3853
0.494
5300
0.0854
0.0748
0.0644
0.578
5301
0.0285
0.0255
0.0225
0.495
5302
0.0075
0.0066
0.0058
0.534
5305
0.0399
0.0351
0.0306
0.563
5306
0.0365
0.0324
0.0284
0.577
5307
0.5695
0.5001
0.4328
0.502
5308
0.0791
0.0700
0.0611
0.582
6103
0.0812
0.0721
0.0633
0.601
6104
0.3448
0.3045
0.2655
0.563
6105
0.3678
0.3260
0.2856
0.484
6107
0.1118
0.1004
0.0890
0.639
6108
0.2573
0.2296
0.2026
0.578
6109
0.0908
0.0799
0.0693
0.513
6110
0.3779
0.3335
0.2907
0.514
6120
0.2605
0.2292
0.1986
0.533
6121
0.2996
0.2635
0.2283
0.533
6201
0.3630
0.3213
0.2812
0.501
6202
0.6549
0.5782
0.5038
0.537
6203
0.0996
0.0894
0.0794
0.633
6204
0.1241
0.1098
0.0959
0.583
6205
0.1669
0.1483
0.1304
0.536
6206
0.1758
0.1549
0.1346
0.587
6207
0.9096
0.8145
0.7281
0.490
6208
0.2306
0.2053
0.1814
0.593
6209
0.2496
0.2247
0.2017
0.534
6301
0.0993
0.0875
0.0761
0.493
6303
0.0451
0.0400
0.0349
0.525
6305
0.0847
0.0747
0.0652
0.583
6306
0.2826
0.2477
0.2133
0.569
6308
0.0487
0.0431
0.0377
0.517
6309
0.1628
0.1444
0.1268
0.559
6402
0.2362
0.2090
0.1826
0.584
6403
0.1282
0.1132
0.0988
0.594
6404
0.2781
0.2487
0.2215
0.550
6405
0.4849
0.4292
0.3755
0.506
6406
0.1275
0.1124
0.0978
0.588
6407
0.2436
0.2161
0.1897
0.538
6408
0.4453
0.3972
0.3514
0.486
6409
0.5315
0.4718
0.4149
0.493
6410
0.2735
0.2403
0.2079
0.547
6411
0.0464
0.0416
0.0372
0.534
6501
0.0905
0.0790
0.0678
0.576
6502
0.0243
0.0215
0.0187
0.535
6503
0.0630
0.0550
0.0471
0.550
6504
0.2664
0.2383
0.2114
0.601
6505
0.1505
0.1324
0.1146
0.654
6506
0.1097
0.0972
0.0852
0.556
6509
0.2281
0.2032
0.1792
0.590
6510
0.3357
0.3013
0.2697
0.385
6511
0.2448
0.2176
0.1918
0.557
6512
0.0761
0.0677
0.0599
0.483
6601
0.1554
0.1387
0.1231
0.527
6602
0.4862
0.4357
0.3895
0.522
6603
0.2455
0.2173
0.1897
0.541
6604
0.0720
0.0637
0.0555
0.570
6605
0.2124
0.1884
0.1648
0.539
6607
0.0971
0.0866
0.0766
0.547
6608
0.4283
0.3786
0.3300
0.413
6620
2.5778
2.2419
1.9036
0.584
6704
0.1172
0.1027
0.0885
0.597
6705
0.5939
0.5305
0.4709
0.578
6706
0.2158
0.1953
0.1766
0.506
6707
12.4046
10.7263
9.0735
0.686
6708
7.9276
7.3252
6.8242
0.479
6709
0.2210
0.1958
0.1716
0.570
6801
0.5806
0.4948
0.4080
0.568
6802
0.7042
0.6156
0.5292
0.561
6803
0.4360
0.3879
0.3414
0.359
6804
0.2403
0.2126
0.1857
0.576
6809
3.5552
3.2088
2.8710
0.570
6901
0.0163
0.0163
0.0162
0.746
6902
0.7168
0.6426
0.5749
0.424
6903
4.4373
4.0302
3.6662
0.346
6904
0.8093
0.7077
0.6084
0.488
6905
0.5985
0.5219
0.4455
0.532
6906
0.2374
0.2250
0.2172
0.639
6907
0.7639
0.6729
0.5848
0.556
6908
0.3027
0.2698
0.2383
0.495
6909
0.0974
0.0863
0.0757
0.549
7100
0.0176
0.0155
0.0132
0.546
7101
0.0190
0.0170
0.0151
0.457
7103
0.7345
0.6379
0.5426
0.524
7104
0.0205
0.0182
0.0160
0.519
7105
0.0154
0.0136
0.0120
0.533
7106
0.2500
0.2191
0.1892
0.600
7107
0.2839
0.2532
0.2239
0.577
7108
0.1975
0.1735
0.1501
0.609
7109
0.0928
0.0825
0.0726
0.541
7110
0.3250
0.2932
0.2646
0.423
7111
0.2907
0.2544
0.2187
0.481
7112
0.6463
0.5740
0.5051
0.556
7113
0.3631
0.3220
0.2829
0.556
7114
0.6625
0.5837
0.5077
0.597
7115
0.4742
0.4214
0.3714
0.577
7116
0.3565
0.3207
0.2881
0.450
7117
1.0514
0.9386
0.8325
0.517
7118
1.4321
1.2732
1.1231
0.518
7119
1.3731
1.2056
1.0443
0.520
7120
4.7234
4.1252
3.5405
0.519
7121
5.3466
4.8456
4.3981
0.363
7122
0.3330
0.2988
0.2674
0.515
7200
1.4971
1.3085
1.1244
0.475
7201
1.2082
1.0547
0.9054
0.515
7202
0.0229
0.0203
0.0177
0.520
7203
0.0921
0.0837
0.0753
0.598
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.5238
0.4764
0.4341
0.481
7302
0.7194
0.6527
0.5934
0.468
7307
0.4636
0.4093
0.3577
0.558
7308
0.2321
0.2086
0.1864
0.569
7309
0.2340
0.2075
0.1821
0.591
7400
1.7216
1.5048
1.2930
0.475))
Class
2017
2018
2019
Primary Ratio
101
0.7485
0.6747
0.5739
0.417
103
0.9666
0.8764
0.7541
0.421
104
0.6700
0.6032
0.5120
0.415
105
0.8109
0.7340
0.6285
0.494
106
1.8604
1.6904
1.4603
0.465
107
0.6967
0.6280
0.5339
0.417
108
0.6700
0.6032
0.5120
0.415
112
0.5068
0.4608
0.3980
0.403
201
1.4681
1.3206
1.1188
0.366
202
1.3730
1.2338
1.0434
0.371
210
0.6135
0.5540
0.4724
0.410
212
0.6227
0.5615
0.4778
0.429
214
1.1910
1.0690
0.9014
0.414
217
0.8693
0.7837
0.6668
0.454
219
0.6124
0.5484
0.4606
0.463
301
0.6696
0.6087
0.5257
0.463
302
1.4908
1.3360
1.1241
0.406
303
1.3693
1.2341
1.0502
0.412
306
0.5495
0.4943
0.4184
0.447
307
0.6495
0.5846
0.4954
0.477
308
0.4652
0.4224
0.3638
0.515
403
1.3286
1.1954
1.0128
0.486
502
0.6913
0.6193
0.5207
0.468
504
1.4947
1.3563
1.1689
0.409
507
2.1186
1.9338
1.6836
0.401
508
0.8573
0.7707
0.6525
0.361
509
0.6272
0.5619
0.4718
0.369
510
1.7101
1.5566
1.3487
0.414
511
0.9681
0.8724
0.7406
0.460
512
0.9268
0.8392
0.7195
0.455
513
0.6384
0.5752
0.4887
0.448
514
0.9120
0.8250
0.7050
0.467
516
1.0725
0.9683
0.8263
0.446
517
1.2906
1.1714
1.0101
0.382
518
0.8269
0.7446
0.6311
0.420
519
0.9500
0.8543
0.7234
0.457
521
0.4467
0.4059
0.3503
0.453
601
0.3811
0.3430
0.2904
0.468
602
0.4873
0.4346
0.3620
0.405
603
0.5539
0.4969
0.4184
0.389
604
0.8061
0.7310
0.6286
0.443
606
0.4287
0.3851
0.3251
0.540
607
0.5812
0.5201
0.4368
0.507
608
0.3201
0.2858
0.2385
0.450
701
1.4681
1.3206
1.1188
0.366
803
0.4669
0.4189
0.3530
0.523
901
0.8269
0.7446
0.6311
0.420
1002
0.6140
0.5539
0.4719
0.436
1003
0.5296
0.4767
0.4044
0.492
1004
0.3114
0.2778
0.2315
0.477
1005
6.2942
5.6512
4.7781
0.417
1006
0.1667
0.1499
0.1268
0.528
1007
0.2357
0.2124
0.1806
0.452
1101
0.8929
0.8047
0.6847
0.471
1102
1.2289
1.1050
0.9366
0.412
1103
0.7955
0.7139
0.6026
0.472
1104
0.4789
0.4348
0.3743
0.481
1105
0.6170
0.5543
0.4684
0.495
1106
0.2927
0.2653
0.2276
0.538
1108
0.3485
0.3168
0.2732
0.500
1109
1.2721
1.1477
0.9790
0.443
1301
0.4882
0.4376
0.3684
0.492
1303
0.3082
0.2758
0.2314
0.539
1304
0.0162
0.0146
0.0124
0.506
1305
0.4126
0.3695
0.3105
0.487
1401
0.2174
0.1998
0.1763
0.472
1404
0.6156
0.5546
0.4719
0.512
1405
0.5290
0.4768
0.4051
0.506
1407
0.5343
0.4805
0.4073
0.528
1501
0.6503
0.5822
0.4891
0.490
1507
0.3889
0.3515
0.2999
0.517
1701
0.6012
0.5422
0.4618
0.442
1702
0.9373
0.8432
0.7142
0.322
1703
0.6434
0.5774
0.4874
0.400
1704
0.6012
0.5422
0.4618
0.442
1801
0.3401
0.3063
0.2600
0.418
1802
0.5441
0.4900
0.4160
0.418
2002
0.6175
0.5593
0.4798
0.470
2004
0.4401
0.3959
0.3346
0.552
2007
0.5783
0.5249
0.4523
0.456
2008
0.2979
0.2707
0.2337
0.511
2009
0.3105
0.2816
0.2419
0.522
2101
0.5008
0.4559
0.3944
0.501
2102
0.5599
0.5069
0.4345
0.481
2103
0.9189
0.8197
0.6847
0.563
2104
0.3180
0.2915
0.2548
0.555
2105
0.5345
0.4788
0.4021
0.527
2106
0.4602
0.4164
0.3566
0.502
2201
0.2875
0.2606
0.2242
0.523
2202
0.4658
0.4218
0.3614
0.467
2203
0.4343
0.3948
0.3404
0.525
2204
0.2875
0.2606
0.2242
0.523
2401
0.3739
0.3354
0.2831
0.453
2903
0.5528
0.5035
0.4362
0.508
2904
0.5663
0.5130
0.4398
0.425
2905
0.3874
0.3509
0.3009
0.515
2906
0.4135
0.3784
0.3296
0.483
2907
0.3759
0.3406
0.2920
0.531
2908
0.7728
0.7004
0.6001
0.524
2909
0.3367
0.3093
0.2722
0.455
3101
0.6317
0.5692
0.4833
0.490
3102
0.2285
0.2057
0.1740
0.461
3103
0.2970
0.2695
0.2320
0.438
3104
0.5190
0.4698
0.4022
0.517
3105
0.6847
0.6242
0.5407
0.495
3303
0.3069
0.2775
0.2371
0.521
3304
0.5563
0.5055
0.4361
0.514
3309
0.3402
0.3080
0.2641
0.502
3402
0.3902
0.3526
0.3008
0.506
3403
0.1123
0.1014
0.0862
0.490
3404
0.3728
0.3362
0.2857
0.531
3405
0.2345
0.2119
0.1806
0.492
3406
0.2339
0.2106
0.1786
0.566
3407
0.5908
0.5332
0.4545
0.459
3408
0.2031
0.1814
0.1518
0.544
3409
0.1489
0.1345
0.1150
0.550
3410
0.1489
0.1345
0.1150
0.550
3411
0.4186
0.3762
0.3180
0.472
3412
0.5104
0.4572
0.3843
0.448
3414
0.6158
0.5533
0.4682
0.488
3415
0.7434
0.6705
0.5713
0.477
3501
0.4588
0.4182
0.3622
0.495
3503
0.2597
0.2346
0.2003
0.518
3506
0.6425
0.5805
0.4957
0.444
3509
0.3523
0.3179
0.2707
0.540
3510
0.2936
0.2673
0.2311
0.499
3511
0.6319
0.5740
0.4949
0.463
3512
0.2959
0.2683
0.2298
0.565
3513
0.3682
0.3351
0.2894
0.514
3602
0.0853
0.0770
0.0655
0.533
3603
0.4042
0.3671
0.3163
0.483
3604
0.5747
0.5232
0.4523
0.473
3605
0.3902
0.3526
0.3008
0.506
3701
0.2285
0.2057
0.1740
0.461
3702
0.3007
0.2724
0.2334
0.502
3708
0.4795
0.4361
0.3768
0.469
3802
0.1691
0.1540
0.1334
0.482
3808
0.3233
0.2921
0.2494
0.474
3901
0.1238
0.1123
0.0963
0.581
3902
0.3951
0.3584
0.3080
0.537
3903
0.3081
0.2795
0.2403
0.537
3905
0.1130
0.1029
0.0890
0.566
3906
0.4060
0.3688
0.3180
0.521
3909
0.2234
0.2024
0.1735
0.555
4101
0.2075
0.1874
0.1600
0.519
4103
0.4630
0.4206
0.3629
0.497
4107
0.1648
0.1482
0.1255
0.502
4108
0.1326
0.1198
0.1024
0.533
4109
0.1649
0.1510
0.1320
0.496
4201
0.6307
0.5635
0.4714
0.443
4301
0.7521
0.6844
0.5919
0.525
4302
0.6180
0.5597
0.4799
0.501
4304
0.8942
0.8201
0.7199
0.505
4305
0.9181
0.8217
0.6901
0.497
4401
0.3069
0.2775
0.2371
0.521
4402
0.5520
0.4959
0.4190
0.522
4404
0.3571
0.3235
0.2773
0.496
4501
0.1486
0.1337
0.1134
0.578
4502
0.0521
0.0472
0.0403
0.485
4504
0.0965
0.0872
0.0744
0.589
4802
0.3687
0.3356
0.2906
0.507
4803
0.3432
0.3134
0.2721
0.557
4804
0.5007
0.4575
0.3984
0.518
4805
0.3307
0.3017
0.2619
0.525
4806
0.0978
0.0893
0.0775
0.588
4808
0.3888
0.3535
0.3054
0.463
4809
0.2323
0.2114
0.1828
0.490
4810
0.2048
0.1865
0.1614
0.559
4811
0.4203
0.3850
0.3365
0.517
4812
0.3904
0.3542
0.3047
0.506
4813
0.2007
0.1840
0.1607
0.559
4814
0.1112
0.1024
0.0903
0.557
4815
0.2287
0.2110
0.1869
0.571
4816
0.3113
0.2876
0.2551
0.513
4900
0.0921
0.0829
0.0701
0.452
4901
0.0337
0.0303
0.0255
0.476
4902
0.0833
0.0750
0.0637
0.524
4903
0.1388
0.1244
0.1049
0.535
4904
0.0137
0.0124
0.0105
0.556
4905
0.3162
0.2886
0.2509
0.551
4906
0.0923
0.0827
0.0695
0.543
4907
0.0523
0.0477
0.0411
0.599
4908
0.0765
0.0696
0.0598
0.578
4909
0.0306
0.0279
0.0239
0.578
4910
0.3862
0.3484
0.2966
0.496
4911
0.0452
0.0410
0.0350
0.442
5001
5.9922
5.4424
4.7016
0.358
5002
0.4835
0.4341
0.3661
0.523
5003
1.6646
1.4985
1.2734
0.394
5004
0.7760
0.7132
0.6289
0.402
5005
0.7130
0.6424
0.5463
0.382
5006
0.8863
0.7993
0.6811
0.360
5101
0.7391
0.6624
0.5576
0.443
5103
0.6605
0.5997
0.5161
0.503
5106
0.6605
0.5997
0.5161
0.503
5108
0.6685
0.5991
0.5041
0.534
5109
0.4075
0.3658
0.3079
0.491
5201
0.2495
0.2245
0.1897
0.547
5204
0.7556
0.6783
0.5730
0.423
5206
0.3409
0.3094
0.2664
0.416
5207
0.1270
0.1154
0.0994
0.547
5208
0.5469
0.4955
0.4247
0.482
5209
0.5095
0.4586
0.3882
0.492
5300
0.0813
0.0731
0.0617
0.559
5301
0.0268
0.0242
0.0208
0.490
5302
0.0071
0.0064
0.0054
0.528
5305
0.0377
0.0340
0.0289
0.545
5306
0.0362
0.0326
0.0277
0.582
5307
0.5701
0.5099
0.4278
0.500
5308
0.0778
0.0705
0.0604
0.570
6103
0.0799
0.0726
0.0624
0.585
6104
0.3379
0.3051
0.2601
0.545
6105
0.4142
0.3718
0.3135
0.480
6107
0.1138
0.1040
0.0898
0.637
6108
0.2375
0.2157
0.1853
0.576
6109
0.0897
0.0804
0.0675
0.519
6110
0.3512
0.3150
0.2652
0.520
6120
0.2498
0.2245
0.1898
0.514
6121
0.3333
0.2980
0.2496
0.525
6201
0.3870
0.3484
0.2955
0.493
6202
0.6428
0.5798
0.4929
0.521
6203
0.0951
0.0871
0.0759
0.620
6204
0.1294
0.1169
0.0999
0.571
6205
0.1606
0.1452
0.1240
0.526
6206
0.1822
0.1642
0.1393
0.576
6207
0.8689
0.7875
0.6774
0.489
6208
0.2261
0.2059
0.1782
0.594
6209
0.2433
0.2224
0.1934
0.539
6301
0.1059
0.0953
0.0808
0.473
6303
0.0425
0.0384
0.0325
0.520
6305
0.0828
0.0748
0.0636
0.578
6306
0.2847
0.2559
0.2162
0.554
6308
0.0485
0.0437
0.0371
0.495
6309
0.1723
0.1559
0.1333
0.535
6402
0.2271
0.2057
0.1761
0.571
6403
0.1252
0.1130
0.0962
0.577
6404
0.2731
0.2488
0.2155
0.533
6405
0.4830
0.4347
0.3686
0.501
6406
0.1254
0.1132
0.0962
0.577
6407
0.2397
0.2165
0.1847
0.528
6408
0.4742
0.4292
0.3678
0.478
6409
0.5203
0.4682
0.3969
0.490
6410
0.2731
0.2451
0.2067
0.539
6411
0.0408
0.0371
0.0321
0.538
6501
0.0921
0.0824
0.0692
0.564
6502
0.0235
0.0212
0.0180
0.507
6503
0.0670
0.0596
0.0495
0.536
6504
0.2478
0.2265
0.1968
0.592
6505
0.1475
0.1333
0.1136
0.640
6506
0.1127
0.1017
0.0866
0.552
6509
0.2172
0.1975
0.1701
0.577
6510
0.3003
0.2706
0.2302
0.385
6511
0.2383
0.2161
0.1858
0.544
6512
0.0765
0.0690
0.0590
0.471
6601
0.1552
0.1411
0.1218
0.511
6602
0.4895
0.4456
0.3861
0.509
6603
0.2571
0.2316
0.1964
0.555
6604
0.0682
0.0616
0.0525
0.556
6605
0.2249
0.2028
0.1718
0.549
6607
0.0869
0.0791
0.0684
0.536
6608
0.4075
0.3640
0.3044
0.400
6620
2.5436
2.2688
1.8865
0.572
6704
0.1217
0.1092
0.0920
0.592
6705
0.5904
0.5382
0.4661
0.573
6706
0.2113
0.1933
0.1685
0.512
6707
12.9247
11.6029
9.7842
0.664
6708
8.1066
7.5046
6.6810
0.485
6709
0.2098
0.1900
0.1625
0.548
6801
0.5706
0.5017
0.4073
0.557
6802
0.7085
0.6341
0.5324
0.552
6803
0.4198
0.3752
0.3141
0.374
6804
0.2387
0.2153
0.1830
0.557
6809
3.3970
3.0978
2.6741
0.564
6901
0.0175
0.0174
0.0166
0.787
6902
0.6801
0.6161
0.5296
0.411
6903
4.0915
3.7086
3.1895
0.343
6904
0.8427
0.7526
0.6291
0.473
6905
0.6377
0.5691
0.4744
0.509
6906
0.2495
0.2390
0.2247
0.619
6907
0.7113
0.6425
0.5478
0.539
6908
0.2901
0.2622
0.2238
0.483
6909
0.1013
0.0916
0.0780
0.528
7100
0.0170
0.0151
0.0127
0.537
7101
0.0185
0.0167
0.0142
0.461
7103
0.7816
0.6960
0.5791
0.498
7104
0.0197
0.0178
0.0152
0.500
7105
0.0149
0.0136
0.0116
0.517
7106
0.2552
0.2296
0.1947
0.582
7107
0.3151
0.2846
0.2427
0.564
7108
0.2190
0.1973
0.1675
0.603
7109
0.0861
0.0778
0.0665
0.520
7110
0.3404
0.3093
0.2673
0.412
7111
0.2822
0.2511
0.2083
0.476
7112
0.6411
0.5812
0.4992
0.539
7113
0.3686
0.3328
0.2839
0.547
7114
0.6813
0.6154
0.5250
0.585
7115
0.4734
0.4305
0.3716
0.557
7116
0.3673
0.3325
0.2851
0.456
7117
0.9906
0.8974
0.7694
0.511
7118
1.4155
1.2775
1.0893
0.500
7119
1.4197
1.2754
1.0793
0.489
7120
4.5901
4.1084
3.4501
0.497
7121
6.3024
5.7193
4.9320
0.352
7122
0.3328
0.3033
0.2632
0.514
7200
1.5951
1.4168
1.1738
0.477
7201
1.2905
1.1514
0.9619
0.494
7202
0.0219
0.0196
0.0165
0.527
7203
0.0873
0.0802
0.0699
0.586
7204
0.0000
0.0000
0.0000
0.500
7205
0.0000
0.0000
0.0000
0.500
7301
0.5527
0.5079
0.4470
0.465
7302
0.6644
0.6101
0.5366
0.437
7307
0.4695
0.4235
0.3609
0.555
7308
0.2313
0.2105
0.1816
0.581
7309
0.2294
0.2083
0.1791
0.585
7400
1.8343
1.6293
1.3498
0.477
Expected Loss Rates in Dollars Per Sq. Ft.
of Wallboard Installed
((Class
2016
2017
2018
Primary Ratio
540
0.0173
0.0155
0.0137
0.458
541
0.0068
0.0061
0.0054
0.453
550
0.0271
0.0242
0.0217
0.415
551
0.0113
0.0102
0.0093
0.392))
Class
2017
2018
2019
Primary Ratio
540
0.0161
0.0145
0.0124
0.458
541
0.0068
0.0061
0.0053
0.438
550
0.0264
0.0238
0.0205
0.385
551
0.0103
0.0093
0.0080
0.403
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
WAC 296-17-890Table IV.
Maximum Experience Modifications
For Firms with No Compensable Accidents:
Effective January 1, ((2020))2021
Expected Loss Range
Maximum Experience Modification
((1
-
5,410
 
0.90
5,411
-
6,605
 
0.89
6,606
-
7,285
 
0.88
7,286
-
7,965
 
0.87
7,966
-
8,646
 
0.86
8,647
-
9,326
 
0.85
9,327
-
10,006
 
0.84
10,007
-
10,686
 
0.83
10,687
-
11,366
 
0.82
11,367
-
12,070
 
0.81
12,071
-
12,803
 
0.80
12,804
-
13,565
 
0.79
13,566
-
14,356
 
0.78
14,357
-
15,177
 
0.77
15,178
-
16,026
 
0.76
16,027
-
16,905
 
0.75
16,906
-
17,813
 
0.74
17,814
-
18,751
 
0.73
18,752
-
19,717
 
0.72
19,718
-
20,713
 
0.71
20,714
-
21,738
 
0.70
21,739
-
22,792
 
0.69
22,793
-
23,875
 
0.68
23,876
-
24,988
 
0.67
24,989
-
26,130
 
0.66
26,131
-
27,301
 
0.65
27,302
-
29,057
 
0.64
29,058
-
31,692
 
0.63
31,693
-
35,644
 
0.62
35,645
-
41,572
 
0.61
41,573
and higher
 
0.60))
1
-
5,383
 
0.90
5,384
-
6,572
 
0.89
6,573
-
7,249
 
0.88
7,250
-
7,925
 
0.87
7,926
-
8,602
 
0.86
8,603
-
9,279
 
0.85
9,280
-
9,956
 
0.84
9,957
-
10,632
 
0.83
10,633
-
11,309
 
0.82
11,310
-
12,010
 
0.81
12,011
-
12,741
 
0.80
12,742
-
13,500
 
0.79
13,501
-
14,288
 
0.78
14,289
-
15,105
 
0.77
15,106
-
15,951
 
0.76
15,952
-
16,826
 
0.75
16,827
-
17,730
 
0.74
17,731
-
18,663
 
0.73
18,664
-
19,625
 
0.72
19,626
-
20,615
 
0.71
20,616
-
21,635
 
0.70
21,636
-
22,684
 
0.69
22,685
-
23,762
 
0.68
23,763
-
24,869
 
0.67
24,870
-
26,004
 
0.66
26,005
-
27,169
 
0.65
27,170
-
28,916
 
0.64
28,917
-
31,536
 
0.63
31,537
-
35,467
 
0.62
35,468
-
41,363
 
0.61
41,364
and higher
 
0.60
AMENDATORY SECTION(Amending WSR 19-24-029, filed 11/25/19, effective 1/1/20)
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, ((2020))2021
Class
Accident Fund
Stay at
Work
Medical Aid Fund
((101
1.3901
0.0215
0.5632
103
1.8152
0.0279
0.9236
104
1.2604
0.0195
0.5415
105
1.2880
0.0196
0.8017
106
3.3331
0.0507
2.0099
107
1.4172
0.0219
0.5720
108
1.2604
0.0195
0.5415
112
0.9017
0.0138
0.4801
201
2.9172
0.0454
0.9669
202
3.0964
0.0482
1.0492
210
1.1673
0.0180
0.4971
212
1.2531
0.0194
0.5283
214
2.2923
0.0356
0.8312
217
1.5613
0.0240
0.7752
219
1.2500
0.0193
0.5074
301
1.0292
0.0156
0.6647
302
3.0488
0.0475
1.0082
303
2.6462
0.0409
1.1352
306
1.0127
0.0156
0.4674
307
1.1142
0.0171
0.5669
308
0.6691
0.0101
0.4826
403
2.3195
0.0356
1.1963
502
1.4215
0.0220
0.5891
504
2.4344
0.0373
1.3043
507
3.6057
0.0549
2.1769
508
1.8655
0.0290
0.6737
509
1.3904
0.0217
0.4198
510
2.9710
0.0454
1.6554
511
1.9568
0.0302
0.8544
512
1.5863
0.0243
0.8749
513
1.1969
0.0184
0.5770
514
1.6711
0.0256
0.9076
516
1.8572
0.0285
0.9385
517
2.4678
0.0380
1.1883
518
1.5782
0.0243
0.7018
519
1.6514
0.0254
0.7687
521
0.6497
0.0099
0.4132
601
0.6538
0.0101
0.3184
602
1.0440
0.0163
0.3127
603
1.0483