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Workers Compensation Insurance Premium Disputes

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Experience Rating

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Experience Rating - Introduction

Despite the "open" (competitive) rating nature of the California workers compensation premium system [sections 3.B and 5.B], insurers are required to apply to the "base premium" of each eligible employer 's policy an "experience modification" rate adjustment. The experience modification compares the...

Posted Monday, January 16, 2012

Experience Rating - Legal Authority

The California Experience Rating Plan (CERP) was approved by the insurance commissioner of the state of California pursuant to Article 2 of Chapter 3, Part 3, Division 2 (which begins at Insurance Code 11730). Under California law, all workers compensation insurers are required to apply the single E...

Posted Monday, January 16, 2012

Experience Rating Affects Premiums Prospectively

Experience modifications apply prospectively. Although calculated based on previous years’ losses (and payroll), they apply to a current or upcoming policy. (As of May 2003, the WCIRB issued more than 95 percent of experience modifications 30 days or more before their effective date, despite d...

Posted Monday, January 16, 2012

Experience Rating Subterfuge

Experience rating regulations [see section 5.D] are designed to minimize the potential for experience modification evasion. Two examples of regulations to deter such evasion are the change in status and the immediate family rules [see “‘Ownership’ for Experience Rating” in se]...

Posted Tuesday, January 17, 2012

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Levine Book Levine on California Workers Compensation Premium and Insurance

A Comprehensive Practical and Legal Guide to Premium and Insurance Issues, Strategies, and Disputes